Terms of Service

Last updated: November 9, 2026 · Version 1.0

PREAMBLE

These Terms of Service (the "Terms") define the conditions under which DANY, sole proprietor, operating under the trade name MyCashBill, NIU P118816334425R, domiciled in Douala, Cameroon (the "Publisher"), makes available to users (the "User") the MyCashBill application accessible at https://mycashbill.app (the "Service").

The User acknowledges that acceptance of these Terms is a sine qua non condition of their access to the Service. By checking the acceptance box during registration, or by using the Service in any manner whatsoever, the User acknowledges having read, understood and unreservedly accepted all of these Terms.

ARTICLE 1 — DEFINITIONS

• "Service": the MyCashBill SaaS application, accessible via web (PWA), enabling the User to generate, store and share commercial documents.
• "Publisher": DANY, natural person publishing the Service.
• "User": any natural or legal person having created an account and accessing the Service.
• "User Content": any information entered by the User in the Service.
• "Document": any file generated by the Service at the User's request.
• "End Customer": the recipient of Documents generated by the User.

ARTICLE 2 — NATURE OF THE SERVICE

2.1 — A technical tool, not a service

MyCashBill is a SOFTWARE TOOL for generating commercial documents. It is in no way:

• a legal, tax, accounting, commercial or financial advisory service;
• accounting software;
• an electronic archiving service with evidentiary value (SAE);
• an accounting firm or statutory auditor;
• a tax compliance certifier;
• a financial intermediary, payment institution or escrow agent.

2.2 — Total absence of financial intermediation

The Publisher does not intervene in financial flows between the User and their End Customers. It does not hold, escrow or transfer any funds. It charges no commission on the User's transactions.

2.3 — No verification by the Publisher

The Publisher does not verify the legality, compliance or accuracy of any information entered, Documents generated, the User's tax status, or the legality of their activity.

ARTICLE 3 — ACCEPTANCE OF TERMS

Access to and use of the Service are subject to full, complete and unreserved acceptance of these Terms. This acceptance is materialized by the mandatory checkbox during registration, the effective creation of an account, or use of the Service in any capacity.

In case of refusal of the Terms, the User must immediately cease all use of the Service.

ARTICLE 4 — REGISTRATION AND USER ACCOUNT

4.1 — Account creation

The User creates an account by providing a phone number and a 6-digit PIN. The information provided must be accurate, complete and up to date.

4.2 — Account security

The User is solely responsible for the confidentiality of their PIN, the confidentiality of their recovery codes, all actions performed from their account, and the security of devices on which they log in.

Any connection made with the User's credentials is deemed to have been made by the User.

4.3 — Account uniqueness

The User undertakes to create only one account per phone number.

ARTICLE 5 — AGE AND LEGAL CAPACITY

The User represents that they are at least 18 years old, have full legal capacity to contract, and act on their own behalf or have the necessary powers if acting for a legal entity.

ARTICLE 6 — SERVICE DESCRIPTION

The User acknowledges that the Service is strictly limited to generating commercial Documents from data they enter, temporarily storing these Documents on the Publisher's servers, and enabling their sharing through third-party channels.

The Publisher provides no guarantee of availability, continuity, long-term archiving, permanent accessibility or legal compliance of the Documents generated.

ARTICLE 7 — NO ADVICE AND NO TAX RESPONSIBILITY

The User acknowledges and expressly accepts that MyCashBill provides no advice of a legal, tax, accounting, commercial or financial nature, does not substitute for a regulated professional, and that the User is solely responsible for the compliance of their Documents with applicable obligations, for calculating their taxes and for the accuracy of their legal notices.

ARTICLE 8 — USER RESPONSIBILITY FOR CONTENT

8.1 — User Content

The User is solely and exclusively responsible for all User Content they enter, upload or generate, including data relating to their End Customers, descriptions, prices, taxes, legal notices, their logos and signatures, the legality of their activity, and compliance with third-party rights.

8.2 — Data compliance warranty

The User warrants holding the necessary rights and consents to collect and process their End Customers' data, that the Documents generated infringe no third-party rights, and that their activity is legal in their country of operation.

8.3 — Document retention

The User is solely responsible for the legal retention of their Documents (legal retention period: 10 years). They must personally download and archive each Document generated.

MyCashBill is NOT an electronic archiving service with evidentiary value (SAE).

ARTICLE 9 — PROHIBITED USES

The User undertakes never to use the Service to generate false or fraudulent documents, facilitate money laundering, tax fraud or any other offence, impersonate a third party, infringe third-party rights, distribute illegal content, circumvent legal obligations, compromise the Service's security, mass extract data, resell the Service without authorization, or use the Service contrary to Cameroonian law.

Any violation results in immediate suspension or termination of the account, without notice or refund, without prejudice to legal proceedings.

ARTICLE 10 — INTELLECTUAL PROPERTY

10.1 — Publisher's property

All elements of the Service are the exclusive property of DANY, protected by the Cameroonian Intellectual Property Code and OHADA texts.

10.2 — User's property

User Content and generated Documents belong to the User. The Publisher claims no rights over such content. The User grants the Publisher a limited, non-exclusive technical license strictly necessary for the provision of the Service.

ARTICLE 11 — PERSONAL DATA

The processing of personal data is governed by the Privacy Policy accessible at https://mycashbill.app/en/legal/privacy.

The User acknowledges that the Publisher is Data Controller for account data, Technical Processor for End Customers' data entered by the User (who is the sole Data Controller thereof), and that the User warrants having the necessary consents.

ARTICLE 12 — SERVICE AVAILABILITY (NO WARRANTY)

12.1 — "As is" service

The Service is provided "as is" and "as available", without any express or implied warranty.

12.2 — No availability warranty

The Publisher guarantees no level of availability, performance or continuity.

12.3 — No retention warranty

The Publisher guarantees no permanent retention of Documents or User Content.

12.4 — No compatibility warranty

The Publisher does not guarantee compatibility with all browsers, devices or operating systems.

ARTICLE 13 — PRICING AND PAYMENT

13.1 — Plans

Plans are displayed at https://mycashbill.app/en/upgrade.

13.2 — Payment

Payments are processed by Notch Pay, a licensed payment aggregator. The Publisher never stores the User's banking data.

13.3 — No automatic renewal

The Pro subscription is NOT automatically renewable.

13.4 — Price changes

The Publisher may change prices at any time. Changes do not apply to already-paid periods.

13.5 — Refunds

Refund conditions are defined in the Refund Policy accessible at https://mycashbill.app/en/legal/refund.

ARTICLE 14 — SUSPENSION AND TERMINATION

14.1 — Unilateral suspension

The Publisher reserves the right to suspend, restrict or terminate without notice any account in case of breach, fraudulent use, suspicion of criminal activity, non-payment, request from an authority, or conduct damaging to the reputation of MyCashBill.

14.2 — No refund in case of suspension

Any suspension for breach entitles to no refund.

14.3 — Termination by User

The User may delete their account at any time.

14.4 — Effect of termination

Upon termination, the User must immediately cease all use of the Service. The liability, indemnification and jurisdiction clauses survive termination.

ARTICLE 15 — LIMITATION OF LIABILITY

15.1 — Liability cap

To the fullest extent permitted by applicable law, the total and cumulative liability of DANY towards a User is strictly limited to the lower of the following two amounts:

• (a) the total amount actually paid by the User during the twelve (12) months preceding the triggering event of the damage;
• (b) an absolute cap of ten thousand (10,000) CFA francs.

For users of the free plan, this cap is zero (0) CFA francs.

15.2 — Exclusion of indirect damages

The Publisher expressly excludes all liability for indirect or immaterial damages, including loss of turnover, loss of customers, loss of opportunity, damage to image, loss of data, service interruption, input error, dispute with an end customer, tax sanctions and any damage resulting from User action contrary to the Terms.

15.3 — No result warranty

The Publisher provides no result warranty.

15.4 — Force majeure

The Publisher cannot be held liable for non-performance or delay resulting from a force majeure event.

15.5 — Gross negligence and fraud

The limitations above do not apply in case of gross negligence or wilful misconduct by the Publisher, fraud, privacy breach or violation of a mandatory legal provision.

15.6 — Claim limitation period

Any claim must be addressed in writing within six (6) months from the triggering event. After this period, the claim shall be inadmissible.

ARTICLE 16 — INDEMNIFICATION

The User undertakes to indemnify, defend and hold harmless DANY against any claim, complaint, legal action, sanction, fine, financial loss, legal costs or attorney fees arising directly or indirectly from the User's use of the Service, their User Content, any breach of these Terms, any dispute with an End Customer or third party, or any violation of applicable law.

This indemnification clause survives termination.

ARTICLE 17 — FORCE MAJEURE

The Publisher shall not be liable for any failure or delay resulting from a force majeure event under Cameroonian law and OHADA texts.

ARTICLE 18 — NON-WAIVER

The Publisher's failure to invoke any clause at any given time shall not be construed as a waiver to invoke it later.

ARTICLE 19 — MODIFICATION OF TERMS

The Publisher reserves the right to modify these Terms at any time, without notice. Major changes will be notified to registered Users. Continued use of the Service after modification constitutes acceptance of the new Terms.

ARTICLE 20 — GOVERNING LAW AND JURISDICTION

These Terms are governed by Cameroonian law.

In case of dispute, the User is invited to first contact the Publisher at support@mycashbill.app to seek an amicable solution within thirty (30) days.

Failing amicable agreement, the dispute shall be brought exclusively before the competent courts of Douala, Cameroon. The User acknowledges the exclusive jurisdiction of these courts and expressly waives any other forum.

ARTICLE 21 — GENERAL PROVISIONS

21.1 — Severability

If any clause is declared null, the other clauses shall remain in full force.

21.2 — Entire agreement

These Terms, together with the Legal Notice, Privacy Policy, Terms of Sale and Refund Policy, constitute the entire agreement.

21.3 — No third-party beneficiary

These Terms confer no rights on any third party.

21.4 — Assignment

The User may not assign their rights and obligations without the Publisher's prior written consent.

21.5 — Language

These Terms are written in French and English. In case of divergent interpretation, the French version shall prevail.

ARTICLE 22 — FINAL ACKNOWLEDGEMENT BY USER

The User expressly acknowledges having read and understood all of these Terms, unreservedly accepted all their provisions, been informed that MyCashBill is a technical tool and not a legal, tax or accounting advisor, been informed that they are solely responsible for the compliance of their Documents, been informed that they indemnify DANY, been informed that the Publisher's liability is strictly capped at 10,000 FCFA, been informed that the competent jurisdiction is exclusively that of Douala, Cameroon, and accepted that the Publisher may modify the Terms at any time.

The User declares having had sufficient time to read and understand these Terms, and having had the opportunity to consult legal counsel before acceptance.