Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern access to and use of the AnKara invoicing platform ("AnKara", "the Service"), operated by Barah Technologies Ltd ("we", "us"). By creating an account, setting up a business profile, or otherwise using AnKara, you ("Business User", "you") agree to be bound by these Terms and by AnKara's Data Protection Policy and Privacy Policy, which are incorporated by reference.

You must be at least 18 years old and authorised to act on behalf of the business you register. If you do not agree to these Terms, you must not use the Service.

2. Description of the Service

AnKara allows Business Users to create, customise, and send invoices to their own clients ("Invoice Recipients") by email and WhatsApp, including:

• one-off and recurring invoices with configurable billing frequency;
• automated payment reminders sent ahead of and following an invoice due date;
• tax and discount calculations applied to invoice line items;
• PDF invoices carrying your business branding: your chosen brand colour, your logo if you upload one, and a business stamp generated from your profile details; and
• integrated invoice payment via a third-party payment gateway (Selcom), where this feature is made available.

3. Important Notice: AnKara Invoices Are Not TRA Fiscal Receipts

AnKara invoices are business billing documents. They are not fiscal receipts or fiscal invoices issued through an Electronic Fiscal Device (EFD), Virtual Fiscal Device (VFD), or the Tanzania Revenue Authority's Electronic Fiscal Device Management System (EFDMS).

Under the Tax Administration Act, 2015 and the Income Tax (Electronic Fiscal Devices) Regulations, 2012, VAT-registered businesses and other designated taxpayers in Tanzania are required to issue fiscal receipts through a TRA-approved EFD or VFD for taxable sales, and a buyer may only claim input VAT from a receipt bearing a valid TRA verification code.

An invoice generated through AnKara does not carry a TRA verification code or QR code and cannot be used to support an input-VAT claim. Business Users remain solely responsible for complying with their own fiscalisation obligations under Tanzanian tax law, including issuing a separate TRA-compliant fiscal receipt where one is legally required, independent of any invoice generated through AnKara.

4. Account Registration and Business Profile

You must provide accurate and complete information when creating your AnKara account and business profile, including your business name, contact details, TIN, and bank details used to populate invoices. You are responsible for keeping this information up to date, for maintaining the confidentiality of your sign-in credentials, and for all activity carried out under your account.

5. Your Responsibilities as a Business User

As the party who determines what client data is entered into AnKara and for what purpose it is used, you act as a data controller in respect of the personal data of your own Invoice Recipients that you input into the platform. You are responsible for:

• having a lawful basis to collect and process your clients' personal data (names, contact details, and, where applicable, payment information) before entering it into AnKara;
• ensuring your clients are aware that their data will be processed through AnKara for the purpose of invoicing and payment collection;
• obtaining any consent required under the Personal Data Protection Act, Cap. 44, including standalone consent before enabling payment collection involving a client's financial transaction data;
• the accuracy of all invoice content, including amounts, tax calculations, and recipient details; and
• ensuring you have the right to use any logo, name, or other material you upload, and that the details shown in your business stamp are accurate. The stamp generated by AnKara is a digital rendering of the details you provide and is not an official seal issued by any authority.

AnKara acts as a data processor in respect of Invoice Recipient data that you submit to the platform, processing it solely to provide the Service in accordance with your instructions and AnKara's Data Protection Policy. If an Invoice Recipient asks us to exercise their data protection rights, we will pass the request to you, and you agree to respond to it as required by law.

6. Acceptable Use

You must not use AnKara to:

• send messages or invoices to people who are not your genuine clients, or send unsolicited or bulk promotional messages;
• issue fraudulent, misleading, or unlawful invoices, or impersonate another business;
• upload content you do not have the right to use, or content that is unlawful or offensive; or
• attempt to access another user's account or data, or interfere with the security or operation of the Service.

We may suspend accounts that breach this section, in particular where messages sent through AnKara put our email or WhatsApp sending channels at risk.

7. Recurring Invoices and Automated Communications

Where you enable recurring invoicing, you authorise AnKara to automatically generate and send new invoice instances and payment reminders to the relevant Invoice Recipient according to the frequency and contract period you configure, without further action or approval from you for each instance, until the recurrence is cancelled, the contract end date is reached, your plan's invoice allowance for the current billing period is exhausted, or your account is deleted.

Where your plan's invoice allowance is exhausted before a scheduled recurring invoice is due, generation of that instance will be automatically paused and you will be notified. Recurring invoicing will resume automatically once your billing period renews or you upgrade to a plan with sufficient remaining allowance, as described in Section 9.

8. Payment Processing

Subscription fees are paid by mobile money through Selcom, a payment service provider licensed by the Bank of Tanzania under the National Payment Systems Act, 2015. When you pay, a payment request is sent to the mobile number you enter, and the payment is only made once you approve it on your phone. AnKara is not a payment system provider, does not hold or transmit funds itself, and never receives your mobile money PIN.

Where invoice payment by your clients is made available, that payment is likewise processed by the gateway provider under its own terms; AnKara's role is limited to initiating the payment request and receiving confirmation of payment status from the provider.

Standalone consent for the processing of financial transaction data (which is sensitive personal data) is obtained before any payment is initiated, through a separate consent checkbox, as described in AnKara's Data Protection Policy.

9. Fees, Plans, and Invoice Allowances

Subscription plans are billed annually in advance, in Tanzanian Shillings. The price and invoice allowance of each plan are shown in the app before you pay. Subscriptions do not renew automatically; to continue using a paid plan after its twelve-month billing period, you must make a new payment. We may change plan prices for future billing periods on reasonable prior notice; a change does not affect a billing period you have already paid for.

Each subscription plan includes a defined number of invoices that may be created and sent within a twelve-month billing period ("invoice allowance"). Invoice allowance is consumed by each invoice you create, including each individual instance generated automatically under a recurring invoice arrangement.

Where you reach your plan's invoice allowance before your billing period ends, you will be notified within the Service and further invoice creation, including scheduled recurring invoices, will be paused until you either upgrade to a higher plan or your billing period renews. AnKara is not liable for any delay to your own invoicing or billing caused by reaching your plan's invoice allowance.

A Custom plan with a bespoke invoice allowance or uncapped usage may be arranged by contacting AnKara directly; such arrangements are governed by the terms separately agreed at the time.

10. Refunds

Subscription fees are non-refundable, except where:

• you were charged more than once for the same subscription;
• you were charged but your plan was not activated because of a fault on our side; or
• a verified error in the AnKara platform prevented you from using the Service during your billing period.

Refund requests must be sent to [email protected] within 30 days of the payment, with the payment reference. Approved refunds are paid to the mobile money number used for the payment within 20 business days. Deleting your account, or not using your full invoice allowance, does not entitle you to a refund.

11. Electronic Communications and Records

You agree that invoices, notices, and other communications delivered by AnKara electronically (including by email and WhatsApp) constitute valid records for the purposes of the Electronic Transactions Act, 2015, and that such delivery satisfies any requirement for written communication between you and your Invoice Recipients, to the extent permitted by law.

12. Cancellation and Refund Rights of Invoice Recipients

Where an Invoice Recipient is a consumer within the meaning of the Electronic Transactions Act, 2015 and pays for goods or services electronically through a link generated by AnKara, that consumer may be entitled to statutory cancellation and refund rights under Part VI of that Act. Business Users are responsible for honouring any such rights in their dealings with their own clients; AnKara is not a party to the underlying transaction between a Business User and its Invoice Recipient.

13. Data Protection

AnKara processes personal data in accordance with the Personal Data Protection Act, Cap. 44, and AnKara's Data Protection Policy, which forms part of these Terms. Barah Technologies Ltd is registered, or is in the process of registering, with the Personal Data Protection Commission as a data controller.

14. Intellectual Property

All rights, title, and interest in the AnKara platform, including its software, design, and branding, remain the property of Barah Technologies Ltd and its licensors. You are granted a limited, non-exclusive, non-transferable licence to use the Service for your own business invoicing purposes.

You keep ownership of your logo, business details, and invoice content. You grant us a limited licence to store, process, and display them solely to provide the Service, for example to place your logo on your invoices.

15. Service Availability

AnKara is provided on an "as available" basis. While reasonable efforts are made to maintain uptime and reliability, including for scheduled recurring invoice and reminder processing, AnKara does not guarantee uninterrupted or error-free operation and is not liable for delays or failures caused by third-party service providers (including hosting, email, messaging, PDF-generation, or payment providers) or events outside its reasonable control.

16. Limitation of Liability

To the maximum extent permitted by law, AnKara's liability for any claim arising from or relating to the Service is limited to the fees, if any, paid by you for the Service in the twelve months preceding the claim. AnKara is not liable for indirect, incidental, or consequential loss, including loss of business, revenue, or data, save to the extent such liability cannot be excluded by law.

17. Account Deletion and Termination

You may delete your account at any time in the app (Settings, then Delete Account), or without the app by following the instructions at https://invoice-ankara.com/delete-account. Deletion stops all scheduled recurring invoices and reminders and permanently deletes your business profile, logo, clients, and invoices, subject to the retention of anonymised payment records described in the Data Protection Policy. Deletion cannot be undone. You are responsible for keeping copies of any invoices you need for your own tax and accounting records before deleting your account.

We may suspend or terminate access to the Service where you breach these Terms, where required by law, or where necessary to protect the security or integrity of the platform. Where reasonably possible, we will give you notice and a reasonable opportunity to save your records before your account is closed. Upon termination, personal data will be retained or deleted in accordance with AnKara's Data Protection Policy.

18. Changes to These Terms

AnKara may amend these Terms from time to time. Material changes will be notified through the platform or by email. Continued use of the Service after such notice constitutes acceptance of the amended Terms.

19. Governing Law

These Terms are governed by the laws of the United Republic of Tanzania. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Tanzania, without prejudice to any right of complaint to the Personal Data Protection Commission in respect of data protection matters.

20. Contact

Operator: Barah Technologies Ltd

Support and refunds: [email protected]

Privacy and account deletion: [email protected]

Website: https://invoice-ankara.com