Terms of service

Who these terms are with

ReckonOS is provided by Digital Elixir Ltd, a company incorporated in Nigeria with the Corporate Affairs Commission (RC 1482355), whose address is Suite A2, Saham Plaza, Alexandria Crescent, Wuse II, Abuja, Nigeria (“ReckonOS”, “we”, “us”). These terms are between us and you, the business that opens a ReckonOS workspace. ReckonOS is for business use.

The service

ReckonOS lets you create and send invoices, take payment through payment gateway accounts you own, record costs and expenses, and see estimates of project margin and tax to set aside. The features in each plan are listed on the pricing page.

Your account

Keep your sign-in details safe and turn on two-step sign-in. You are responsible for what happens in your workspace, including what your teammates do.

Trial, billing and renewal

• The trial costs $7 and lasts 7 days with every feature.
• On day 7 the plan you chose starts at its listed price and renews every month or year until you cancel. We email you when the trial starts with the dates, the price and how to cancel, and again the day before it ends.
• Prices and the trial fee are in US dollars in every country, including Nigeria, and are shown without VAT or sales tax. Where tax applies, it is added at checkout and shown before you pay.
• Who takes your payment depends on your billing country, which is the tax country set for your workspace, and on what you choose at checkout:
  • Paddle.com is the merchant of record for payments made through Paddle: Paddle takes the payment, issues the receipt and handles sales tax, and Paddle’s buyer terms apply to the payment.
  • Paystack or Flutterwave take card payments for which Digital Elixir Ltd is the seller. Our receipt names the gateway and the seller.
  • A crypto payment processor (NOWPayments or CoinGate, whichever we use at the time) takes crypto payments, also with Digital Elixir Ltd as the seller.
• On payments through Paystack, Flutterwave or crypto, customers whose billing country is Nigeria pay 7.5% Nigerian VAT (Nigeria Tax Act 2025), shown as a separate line at checkout and on the receipt. Customers outside Nigeria pay no VAT on these payments, which are treated as an exported service.
• Once your first payment clears, your workspace stays with the same card provider. To move it, email us.
• Crypto is prepaid: you pay for a month or a year up front. It cannot be used for the $7 trial, but you can use it to start a full paid period without a trial. We email a payment link 7 days and 1 day before your period ends. If the next period is still unpaid 3 days after it ends, the workspace becomes read-only and your data stays readable and exportable. A crypto payment for less than the amount due does not extend your plan. Payments made in cryptocurrency are not refundable.
• ReckonOS never sees or stores card numbers. Card details are entered on the provider’s own page, and the provider keeps the card to charge renewals.
• You can cancel at any time in Settings > Billing. You keep access until the end of the trial or the period you have paid for, and nothing more is charged.
• Refunds follow our refund and cancellation terms. The 30-day money-back window runs from your first payment, which is the $7 trial fee. Refunds go back through the provider you paid with. Payments made in cryptocurrency are not refundable.
• If a card renewal fails, we retry it and email you. You have 7 days to update your payment method before the workspace becomes read-only.

Your data

Everything you put into your workspace stays yours. We use it only to provide the service, as described in the privacy policy and the data processing agreement. You can download all of it at any time from Settings > Data. When a plan ends, the workspace becomes read-only so you can still view and export your records. If you delete the workspace, it is erased 30 days later unless an admin undoes the deletion before then.

Payments to you

Client payments go through your own gateway accounts, under your own agreements with those providers. ReckonOS does not receive, hold or forward client money, and is not a party to those payments. Gateway fees and any account reviews are between you and the provider.

Tax estimates

ReckonOS applies published tax rules to produce estimates. They are not tax, legal or accounting advice. Check figures with a qualified adviser before you file or pay tax.

Acceptable use

Do not use ReckonOS to break the law, to send invoices for goods or services you do not provide, to get around a payment provider’s rules, or to interfere with the service or other workspaces.

Availability

We work to keep ReckonOS available and your data backed up, but we do not promise uninterrupted service, and we do not currently offer a service-level agreement or service credits.

Liability

Nothing in these terms limits liability that the law does not allow to be limited, such as liability for death or personal injury caused by negligence, or for fraud. Otherwise, we are not liable for indirect or consequential loss, or for loss of profits, revenue, goodwill or data that you could have exported. Our total liability arising from these terms in any 12 months is limited to the amount you paid ReckonOS in those 12 months.

Ending the agreement

You can stop at any time by cancelling your plan or deleting your workspace. We may suspend a workspace that breaks these terms, and will tell you why.

Governing law

These terms are governed by the laws of the Federal Republic of Nigeria, and the courts of Nigeria have jurisdiction over disputes about them. If you are a consumer in the United Kingdom, the European Union or the United States, you keep the protections that the consumer law where you live gives you and that cannot be excluded by agreement, including automatic-renewal and cancellation rules, and you may bring a claim in the courts where you live.

Contact

General: [email protected]. Billing and refunds: [email protected].