Loco General Terms of Service

1. Account registration

You must be legally capable of entering a binding contract and, where you use the Services for a business, authorized to act for that business. You must provide complete and accurate registration information and keep it updated.

You are responsible for account credentials, passkeys, PINs, and the activity of owners, administrators, managers, and team members you authorize. Account roles and permissions should be assigned only to trusted individuals. Notify us promptly if you suspect unauthorized access.

2. Use of the Services

Subject to these Terms, Loco grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Services for your lawful internal business operations during the term of your account or subscription.

You are responsible for compatible devices, internet access, configuration, staff training, and compliance with laws that apply to your business. Features may differ by device, plan, country, or integration.

3. Your business data

As between you and Loco, you retain your rights in product, inventory, transaction, customer, employee, and other content you submit to the Services (“Business Data”). You grant Loco a worldwide, non-exclusive license to host, copy, transmit, display, modify, and otherwise process Business Data to provide, maintain, secure, support, and improve the Services.

You represent that you have all rights and permissions needed for Loco to process Business Data as described in these Terms and the Privacy Notice. You are responsible for the accuracy, legality, and quality of Business Data and for obtaining any required customer or staff notices and consents.

4. Acceptable use

You may not use the Services to:

• violate law, regulation, sanctions, or another person's rights;
• submit fraudulent, deceptive, unlawful, or harmful transactions or content;
• gain unauthorized access to accounts, systems, data, or networks;
• introduce malware, overload systems, or interfere with service availability;
• reverse engineer, copy, resell, or commercially exploit the Services except where expressly permitted;
• scrape or extract data through unauthorized automated means; or
• use the Services to develop or train a competing product without written permission.

We may investigate suspected violations and restrict activity where reasonably necessary to protect users, Loco, or third parties.

5. Intellectual property

The Services, including software, interfaces, designs, documentation, trademarks, and content provided by Loco, are owned by Loco or our licensors and protected by intellectual property laws. Except for the limited right to use the Services under these Terms, no rights are transferred to you.

If you provide ideas or feedback, you allow us to use them without restriction or compensation, but you are not required to provide feedback.

6. Security

We use safeguards designed to protect the Services and information processed through them, but no system is completely secure. You must use reasonable security practices, including strong authentication, current devices and software, restricted access, and prompt removal of former team members.

7. Subscriptions and fees

Some Services require a paid subscription. Prices, billing intervals, included features, and applicable limits are shown when you subscribe or in an order form. Unless stated otherwise, fees are charged in advance and are non-refundable except where required by law.

Subscriptions renew for the same billing interval until canceled. You authorize us and our billing providers to charge the payment method on file. If payment fails, we may retry the charge, request another method, limit paid features, or suspend the subscription after reasonable notice.

You may cancel through available account settings or by contacting support. Cancellation stops the next renewal and ordinarily takes effect at the end of the current paid period.

8. Payments and transactions

Loco may provide tools to record sales, payment methods, invoices, refunds, and related activity. Availability of payment processing or settlement may depend on third-party financial or payment providers and may be subject to their separate terms.

You are responsible for transaction accuracy, lawful products and services, customer authorization, refund policies, required receipts, chargebacks, and the security of any external payment devices or provider accounts you connect.

9. Taxes

Loco may provide configurable tax calculations and reports, but these tools do not constitute tax advice. You are responsible for determining tax obligations, configuring rates and exemptions, reviewing calculations, issuing compliant documents, and filing and paying taxes to the appropriate authorities.

10. Third-party services

The Services may link to or integrate with third-party products, payment providers, app stores, websites, or devices. Your use of a third-party service is governed by that provider's terms and privacy practices. Loco is not responsible for third-party services, acts, omissions, availability, or data handling.

11. Changes to the Services

We continually develop the Services and may add, modify, or remove features; change technical requirements; release updates; or stop supporting older versions. We will provide reasonable notice when a material change is likely to significantly reduce core paid functionality, unless urgent legal, security, or operational circumstances prevent notice.

12. Suspension and termination

You may terminate these Terms by closing your account and ceasing use of the Services, subject to outstanding payment and retention obligations. We may suspend or terminate access if you materially breach these Terms, fail to pay fees, create security or legal risk, misuse the Services, or if required by law.

Following termination, your license ends and you must stop using the Services. Provisions that by their nature should survive, including payment, ownership, disclaimers, liability, indemnity, dispute, and general provisions, remain effective.

13. Disclaimers

To the maximum extent permitted by law, the Services are provided “as is” and “as available.” Loco disclaims implied warranties of merchantability, fitness for a particular purpose, non-infringement, and quiet enjoyment. We do not warrant that the Services will be uninterrupted, error-free, or suitable for every legal, accounting, tax, or operational requirement.

14. Limitation of liability

To the maximum extent permitted by law, Loco and our affiliates, officers, employees, and suppliers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, goodwill, opportunities, or data, arising from or related to the Services.

To the maximum extent permitted by law, our total aggregate liability arising from the Services or these Terms will not exceed the fees you paid to Loco for the affected Services during the twelve months before the event giving rise to the claim. Nothing in these Terms excludes liability that cannot lawfully be excluded.

15. Indemnity

To the extent permitted by law, you will defend, indemnify, and hold harmless Loco and our affiliates, officers, employees, and suppliers from third-party claims, losses, and reasonable costs arising from your Business Data, products or services, violation of these Terms or law, or infringement of another party's rights.

16. Governing law and disputes

Before filing a formal claim, you and Loco agree to make a reasonable good-faith effort to resolve the dispute by written notice and discussion. These Terms are governed by the laws of the United Republic of Tanzania, without regard to conflict-of-law principles. Unless applicable law requires otherwise, courts with jurisdiction in Tanzania will have exclusive jurisdiction.

17. General provisions

These Terms, the Privacy Notice, and any applicable order form or additional terms are the entire agreement about the Services. If additional terms conflict with these Terms, the additional terms control for the relevant Service. You may not assign these Terms without our written consent; we may assign them as part of a reorganization, financing, merger, acquisition, or transfer of the Services.

If a provision is unenforceable, it will be modified only as much as necessary and the remaining provisions will continue. A delay in enforcing a right is not a waiver. Electronic notices and acceptance satisfy written and signature requirements where permitted by law.

We may update these Terms to reflect changes in law, the Services, or business practices. We will post updated Terms and provide additional notice for material changes where required. Continued use after the effective date constitutes acceptance of the updated Terms.

18. Contact us

Questions about these Terms can be sent to legal@loco.co.tz. For product or account assistance, visit our support page.