Terms & Conditions

Last updated: March 7, 2026

1. Acceptance of Terms

By creating an account, downloading, accessing, or using Taxblabla in any capacity ("the Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. If you do not agree to any part of these terms, you must immediately discontinue use of our Service. Your continued use of the Service constitutes ongoing acceptance of these Terms as they may be amended from time to time.

Ownership Notice: Taxblabla is owned and managed by NAIJATAXBUDDY NIG LTD.

3. No Liability for Accuracy

While we strive to provide useful estimates based on current Nigerian tax laws, WE MAKE NO WARRANTIES, REPRESENTATIONS, OR GUARANTEES — whether express, implied, statutory, or otherwise — regarding the accuracy, completeness, reliability, timeliness, or suitability of any information, calculation, estimate, or content provided through the Service.

Nigerian tax laws, regulations, guidelines, and interpretive rulings may change at any time without notice. While we endeavor to update our calculations promptly, there may be delays, omissions, or errors. You are solely responsible for verifying all current tax requirements with official government sources and qualified professionals.

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. We expressly disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

4. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE NIGERIAN AND INTERNATIONAL LAW:

• NAIJATAXBUDDY NIG LTD, its parent, subsidiaries, affiliates, officers, directors, employees, agents, contractors, and licensors shall NOT be liable for any penalties, interest, fines, additional taxes, assessments, or any other costs or expenses you may incur if our estimates differ from your actual tax liability.
• We shall NOT be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or economic damages arising from or in connection with your use of, or inability to use, the Service, including but not limited to loss of revenue, profits, data, business opportunities, or goodwill.
• We are NOT responsible for any decisions, actions, or inactions you undertake based on information, estimates, or content from our Service.
• Our aggregate total liability for all claims arising from or related to these Terms or the Service shall NOT exceed the lesser of: (a) the amount you paid for our services in the preceding 12 months, or (b) ₦10,000.
• This limitation applies regardless of the theory of liability, whether in contract, tort (including negligence), strict liability, breach of warranty, or otherwise, even if we have been advised of the possibility of such damages.

5. Indemnification

You agree to fully indemnify, defend, and hold harmless NAIJATAXBUDDY NIG LTD, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, demands, damages, obligations, losses, liabilities, costs, debts, and expenses (including but not limited to reasonable legal fees and court costs) arising from or related to:

• Your use of or access to the Service
• Your breach or violation of these Terms
• Your violation of any applicable law, regulation, or the rights of any third party
• Any reliance on estimates, calculations, or information provided by the Service
• Any tax-related penalties, fines, assessments, or liabilities you incur
• Any content, data, or information you submit through the Service
• Any dispute between you and any tax authority, government body, employer, or third party

This indemnification obligation survives termination of your account and these Terms.

6. User Responsibilities

• You must provide accurate, current, and complete information for estimates to be meaningful. We are not responsible for inaccurate results caused by incorrect or incomplete input.
• You are solely responsible for maintaining the confidentiality and security of your account credentials. You accept liability for all activities that occur under your account.
• You agree not to use the Service for any unlawful purpose, including but not limited to tax evasion, fraud, money laundering, or any activity that violates Nigerian law.
• You acknowledge that any transaction data you provide is for estimation purposes and may not represent your complete financial situation.
• You are responsible for independently verifying all estimates with qualified professionals before taking any action with legal, financial, or tax consequences.
• You shall not reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service.
• You shall not use the Service to transmit malware, spam, or any harmful content.
• You shall not attempt to gain unauthorized access to any part of the Service, other users' accounts, or our systems and networks.

7. Data Protection (NDPA 2023 Compliance)

In compliance with the Nigeria Data Protection Act (NDPA) 2023:

• Data Controller: NAIJATAXBUDDY NIG LTD is the data controller for personal data collected through our Service.
• Lawful Basis: We process your data based on your explicit consent, the performance of our contractual obligations to you, legitimate interests, and compliance with legal obligations.
• Purpose Limitation: Your data is collected solely for providing tax estimation services, improving our Service, and complying with applicable laws. We will not use it for other purposes without your consent.
• Data Minimization: We collect only the data necessary to provide our services.

Your Rights Under NDPA 2023:

• Right to access your personal data
• Right to rectify inaccurate data
• Right to erasure ("right to be forgotten")
• Right to data portability
• Right to withdraw consent at any time
• Right to object to or restrict processing
• Right not to be subject to solely automated decision-making

You may exercise these rights through the app settings or by contacting our Data Protection Officer. For full details on how we handle your data, please refer to our Privacy Policy.

Data Retention: We retain your data only for as long as necessary to provide services or as required by law. You may request deletion at any time.

Security: We implement appropriate technical and organizational measures to protect your data against unauthorized access, alteration, disclosure, or destruction, including AES-256 envelope encryption with Google Cloud KMS and TLS 1.2/1.3 for data in transit.

8. Privacy Promise

• Your financial data is PRIVATE and used solely for generating estimates for YOUR benefit.
• We do not voluntarily share with tax authorities, except when legally required or when you instruct us to.
• We do NOT share your data with employers, banks, credit bureaus, or any external parties without your explicit consent.
• We do NOT sell, trade, or rent your personal data.
• You control your data. Delete your account anytime to remove all your information.

9. AI and Automated Processing

• Our Service may use artificial intelligence (AI) to parse emails, documents, and messages, and to categorize transactions.
• AI is NEVER used to calculate final tax amounts. All tax estimation logic uses deterministic rules based on Nigerian tax law.
• AI-generated suggestions are preliminary and require your explicit confirmation before affecting estimates or records.
• Under the NDPA 2023, you have the right not to be subject to decisions based solely on automated processing. You may request human review of any AI-generated categorization.
• We make no guarantees regarding the accuracy, completeness, or reliability of AI-processed content. You are responsible for verifying all AI-generated outputs.

10. Service Availability

• We strive to maintain service availability but do NOT guarantee uninterrupted, error-free, or secure access to the Service at all times.
• We may modify, update, suspend, or discontinue any features, functionality, or the entire Service at any time, with or without notice, and without liability.
• We are NOT liable for any loss, damage, or inconvenience resulting from service unavailability, data loss, data corruption, downtime, or technical issues.
• Scheduled and unscheduled maintenance may temporarily affect service availability.

11. Plans & Access

• Feature availability depends on the plan tier active on your account.
• Eligible accounts may receive promotional lifetime access at no cost.
• We may update plan names, limits, or feature bundles with notice in the app or on the website.
• Access to premium features is controlled through account entitlements across the Taxblabla platform.

12. Intellectual Property

All content, features, functionality, software, designs, trademarks, trade names, service marks, logos, and intellectual property of Taxblabla are owned by NAIJATAXBUDDY NIG LTD and protected by Nigerian and international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, distribute, sell, license, or create derivative works without our prior written permission.

You retain ownership of any data or content you submit through the Service. By submitting content, you grant us a limited, non-exclusive license to use, process, and store such content solely for the purpose of providing the Service to you.

13. Account Termination

We reserve the right to suspend or terminate your account, without prior notice or liability, for any reason, including but not limited to:

• Violation of these Terms or any applicable law
• Fraudulent, abusive, or illegal activity
• Repeated abuse of service limits or platform resources
• Extended periods of inactivity
• Our sole discretion to discontinue the Service

Upon termination, your right to access the Service ceases immediately. We may delete your account data in accordance with our data retention policy. Sections that by their nature should survive termination shall survive, including but not limited to: Disclaimer, Limitation of Liability, Indemnification, Intellectual Property, and Governing Law.

14. Third-Party Content & Links

The Service may contain links to third-party websites, services, or content that are not owned or controlled by Taxblabla. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of or reliance on any such third-party content.

15. Force Majeure

Taxblabla shall not be liable for any failure to perform or delay in performing any obligation under these Terms where such failure or delay arises from circumstances beyond our reasonable control, including but not limited to: natural disasters, acts of God, pandemics, epidemics, war, terrorism, civil unrest, government actions or orders, power outages, internet or telecommunications failures, cyberattacks, or any other force majeure event.

16. Governing Law & Dispute Resolution

These Terms are governed by and shall be construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising from or in connection with these Terms or your use of the Service shall be resolved through:

1. Good faith negotiation between the parties for a period of not less than 30 days
2. Mediation through a mutually agreed mediator in Lagos, Nigeria
3. If mediation fails, the courts of Lagos State, Nigeria shall have exclusive jurisdiction

17. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement & Waiver

These Terms, together with our Privacy Policy, constitute the entire agreement between you and NAIJATAXBUDDY NIG LTD regarding the use of the Service. These Terms supersede all prior agreements, understandings, and communications, whether written or oral.

No failure or delay by Taxblabla in exercising any right or remedy under these Terms shall be construed as a waiver of that right or remedy. A waiver of any provision shall not constitute a waiver of any other provision.

19. Changes to Terms

We reserve the right to modify, amend, or replace these Terms at any time at our sole discretion. Material changes will be communicated through the app, via email, or by posting the updated Terms with a revised "Last updated" date. Your continued use of the Service after any changes constitutes your acceptance of the new Terms. If you disagree with any changes, your sole remedy is to discontinue use of the Service and delete your account.

20. Contact Information

For questions about these Terms, to exercise your NDPA 2023 rights, or for general inquiries, contact us at:

• General Support: [email protected]
• Legal Inquiries: [email protected]
• Data Protection Officer: [email protected]
• Address: Cybervill Estate, 27 Legacy St, Unit MT3A, Lekki Phase I, Lekki 106104, Lagos, Nigeria