Terms & Conditions

1. Acceptance of Terms

By accessing or using any service provided by Taash ("we", "our", or "us"), you ("user", "you", or "your") agree to comply with and be legally bound by these Terms and Conditions. If you do not agree, you must discontinue the use of our services immediately.

2. Nature of Service

Taash provides AI-powered tools to assist users with:

• Expense tracking and categorisation
• Tax deduction estimation
• Savings advisory
• Generation of tax summaries and reports
• Document uploads and receipt tracking

Important: We do not file taxes on your behalf nor issue official tax certificates. Filing is your sole responsibility, unless separately contracted via our CPA partner network.

3. User Eligibility

You must:

• Be at least 18 years old
• Be a registered freelancer, creator, or SME operator
• Have the legal capacity to enter into binding agreements

We reserve the right to suspend or terminate any account that breaches these eligibility criteria.

4. User Responsibilities

You agree to:

• Provide accurate personal and financial data
• Review AI categorisation outputs and confirm accuracy
• Maintain control and confidentiality of your login credentials
• Comply with all relevant tax laws applicable to your jurisdiction

You are solely responsible for your tax filing and compliance. Taash provides insights, not certified tax filing.

5. AI-Powered Features Disclaimer

Our AI models provide tax estimates and categorisations based on:

• NTA 2025
• NRS tax reforms
• Publicly available tax rules
• Your transaction history and uploads

Disclaimer: AI-based deductions or summaries are only as accurate as the data provided by you and should not be considered as legal or official tax advice.

6. Receipt Uploads & Categorisation

Users may upload photos of receipts and invoices for categorisation.

By uploading a document, you:

• Grant Taash the right to analyse the data using AI
• Acknowledge that the AI suggestions are advisory
• Confirm that you're responsible for final classification

7. Subscription & Payments

We offer:

• Free usage with limited features
• Pay-as-you-go features using TaashCoins
• Optional paid subscriptions

All payments are processed securely. Refunds are subject to case-by-case review.

8. TaashCoins – Tokenised Feature Access

Certain features require TaashCoins:

• 10 coins for ready-to-file tax summaries
• 5 coins for monthly expense reports
• 3 coins for CAC-compliant invoice generation
• 15 coins for reverse logistics (SMEs only)
• 2 coins per smart tax estimate

Coins are non-refundable and non-transferable.

9. Data Privacy and NDPR Compliance

We adhere to the Nigeria Data Protection Regulation (NDPR). For more on how we collect and protect your data, see our Privacy Policy.

10. Open Banking & Third-Party Integrations

We integrate with financial data aggregators like Mono, Okra, and others.

You agree to:

• Provide consent before linking your account
• Allow us to access only read-only financial data
• Accept that we do not initiate or store financial transactions

11. Limitation of Liability

To the extent permitted by law, Taash is not liable for:

• Losses from inaccurate AI categorisation
• Penalties from improper tax filings
• Delays in CPA responses or document generation
• Errors in user-inputted data

12. Legal Status of Our Outputs

We issue:

• ✔ Deduction Summary
• ✔ Expense Ledger
• ✔ Quarterly Tax Prep Report
• ✔ Income Summary
• ✔ Receipt Attachment Reports
• ✔ Smart Estimate Sheets

We do not issue:

• ✘ Tax Clearance Certificates
• ✘ FIRS/SIRS Payment Acknowledgements
• ✘ PIT Assessment Notices

These are exclusively issued by the appropriate tax authorities.

13. Termination

We may suspend or terminate access if:

• Terms are violated
• Fraud is suspected
• Regulatory compliance requires it

Users may delete their accounts at any time.

14. Intellectual Property

All content, UI designs, code, and tools within the platform are the intellectual property of Taash Technologies Inc. Reproduction without permission is prohibited.

15. Governing Law

These Terms are governed by the laws of the State of Delaware, United States. Where services apply in Nigeria, supplementary interpretation may apply under local tax regulations and NDPR.

16. Changes to Terms

We reserve the right to update these Terms at any time. Continued use after updates constitutes acceptance of changes.

17. Contact

If you have questions or concerns regarding these Terms, contact: