Terms of Service

1. Acceptance of Terms

By accessing and using Octrivium ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Octrivium provides cloud-based accounting software designed for South African small and medium-sized enterprises (SMEs). Our Service includes:

• Financial accounting and bookkeeping tools
• VAT calculations and SARS compliance features
• Payroll processing and IRP5 generation
• Invoicing and expense tracking
• Financial reporting and analytics
• Bank reconciliation tools

3. User Accounts

3.1 Registration

To use the Service, you must create an account with accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Responsibility

You are responsible for all activities that occur under your account. You must notify us immediately of any unauthorized access or security breaches.

4. Credit System and Payment

4.1 Pay-As-You-Go Model

Octrivium operates on a credit-based system. There are no monthly subscriptions or recurring fees. You purchase credits for invoices and payroll processing, and use them whenever you need them.

4.2 Credit Bundles

4.3 Refunds

Unused credits can be refunded within 30 days of purchase. Once a credit is used (invoice generated or payroll processed), it cannot be refunded. We do not provide refunds for credits older than 30 days, except where required by law.

4.4 Payment Processing

5. Data and Privacy

5.1 Your Data

You retain all rights to the financial data you enter into the Service. We process your data solely to provide the Service and as described in our Privacy Policy.

5.2 Data Security

We implement industry-standard security measures to protect your data, including encryption, secure data centers, and regular security audits.

5.3 Data Backup

We perform regular backups of your data. However, you are responsible for maintaining your own backup copies of critical financial information.

6. Acceptable Use

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the Service or servers
• Upload malicious code, viruses, or harmful content
• Resell, redistribute, or sublicense the Service without written permission
• Use the Service to store or transmit infringing or unlawful material

7. Intellectual Property

The Service, including all software, designs, text, graphics, and other content, is owned by Octrivium and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or reverse engineer any part of the Service.

8. Tax and Accounting Disclaimer

Octrivium provides tools to help you manage your accounting and comply with SARS requirements. However:

• We do not provide tax, legal, or financial advice
• You are responsible for the accuracy of all data entered into the system
• You should consult with qualified accountants or tax professionals for specific advice
• We are not liable for any errors in tax calculations or SARS submissions
• You are responsible for ensuring compliance with all applicable laws and regulations

9. Service Availability

We strive to provide 99.9% uptime, but we do not guarantee uninterrupted access to the Service. We may perform scheduled maintenance, which will be communicated in advance when possible.

10. Limitation of Liability

To the maximum extent permitted by law, Octrivium shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from your use of the Service.

Our total liability for any claims arising from these Terms or the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify and hold Octrivium harmless from any claims, losses, or damages arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

12. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes via email or through the Service. Your continued use after changes take effect constitutes acceptance of the modified Terms.

13. Termination

We may suspend or terminate your account if you violate these Terms or for any other reason at our discretion. Upon termination, you will lose access to your account and data. You may export your data before termination.

14. Governing Law

These Terms are governed by the laws of South Africa. Any disputes shall be resolved in the courts of South Africa.

15. Contact Information

For questions about these Terms, please contact us at: