Terms of Sale

Last updated: November 9, 2026 · Version 1.0

PREAMBLE

These Terms of Sale (the "Terms") govern exclusively the conditions under which DANY, sole proprietor operating under the trade name MyCashBill, NIU P118816334425R, domiciled in Douala, Cameroon (the "Publisher"), sells to the User (the "Customer") the paid subscriptions (Pro plan and add-ons) to the MyCashBill application (the "Service").

These Terms concern only the commercial relationship between the Publisher and the Customer. Free use of the Service is governed by the Terms of Service (ToS).

The Customer declares subscribing to these Terms within the scope of their professional activity. Accordingly, the Customer expressly acknowledges not benefiting from consumer protections under Cameroonian law, particularly regarding the right of withdrawal, legal warranty of conformity and unfair terms.

ARTICLE 1 — PURPOSE

These Terms define the conditions for the sale of paid subscriptions to the MyCashBill Service: plans and pricing, subscription and payment methods, duration and renewal, termination and suspension conditions, warranties and limitations of liability.

ARTICLE 2 — COMMERCIAL OFFER

2.1 — Available plans

• Pro subscription: 2,000 FCFA / 30 days
• 7-day pack: 500 FCFA / 7 days (if available)
• 90-day pack: 5,000 FCFA / 90 days (if available)
• Annual pack: 18,000 FCFA / 365 days (if available)
• Add-on Extra device: +500 FCFA / month
• Add-on White-label: +3,000 FCFA / month

Current prices are displayed at https://mycashbill.app/en/upgrade.

2.2 — Changes to plans and prices

The Publisher may modify at any time the plans, features and prices. Modifications do not apply to already-paid periods.

2.3 — Withdrawal of a plan

The Publisher may withdraw a plan at any time. Ongoing subscriptions remain valid until their term.

ARTICLE 3 — ORDER AND SUBSCRIPTION

3.1 — Subscription process

Subscription is made from https://mycashbill.app/en/upgrade. The Customer selects the plan, chooses their payment method, and validates the transaction.

3.2 — Acceptance of Terms

Any subscription implies full and unreserved acceptance of these Terms.

3.3 — Order confirmation

Validation of the order constitutes an order form within the meaning of Cameroonian law.

3.4 — Invoice

A subscription invoice is generated automatically after each successful payment, accessible at https://mycashbill.app/en/subscriptions.

ARTICLE 4 — PRICING AND PAYMENT

4.1 — Currency and taxes

Prices are expressed in CFA francs (FCFA/XAF). The Customer is solely responsible for any applicable taxes in their country.

4.2 — Payment provider

Payments are processed exclusively by Notch Pay, a licensed payment aggregator in Cameroon.

The Publisher never stores the Customer's banking data.

4.3 — Accepted payment methods

Mobile Money and credit card (Visa, Mastercard), depending on the corridors activated by Notch Pay.

4.4 — No automatic renewal

The Pro subscription is NOT automatically renewable. Renewal is exclusively manual.

4.5 — Payment failure

In case of payment failure, the subscription is not validated.

4.6 — Late payment

Any late payment results in immediate suspension of access to Pro features.

ARTICLE 5 — DURATION AND RENEWAL

5.1 — Duration

30 calendar days from the date of effective payment (or according to the subscribed plan).

5.2 — Manual renewal

Renewal is exclusively manual.

5.3 — Expiration

Upon expiration: Pro access suspended, switch to free plan, data retention according to policy.

5.4 — No compensation for expiration

Expiration entitles to no compensation, no refund.

ARTICLE 6 — REFUNDS

6.1 — General principle: no refund

NO REFUND is granted after the start of the subscribed period, except in the cases exhaustively listed in Article 6.2.

6.2 — Limited refund cases

• 6.2.1 — Duplicate payment: refund within 30 days.
• 6.2.2 — Technical billing error attributable to the Publisher: refund within 30 days.
• 6.2.3 — Prolonged Service unavailability (more than 15 consecutive days): pro rata refund.

6.3 — Cases expressly excluded from refund

Change of mind, partial use, non-use, dissatisfaction, suspension for breach, account closure, loss of documents, Mobile Money fees, force majeure, technical provider failure, misuse, expiration not renewed, unwanted renewal, data loss.

6.4 — Claim procedure

Request to support@mycashbill.app within 7 days of the disputed payment, with invoice number, proof of payment and reason.

6.5 — Refund methods

By the same payment method, in CFA francs, within 30 days after acceptance.

6.6 — No refund upon account closure

ARTICLE 7 — RIGHT OF WITHDRAWAL

7.1 — No right of withdrawal

The Customer expressly acknowledges waiving any right of withdrawal. As the Service is performed immediately after payment, no withdrawal period applies.

7.2 — Confirmation of waiver

By validating their subscription, the Customer confirms having been informed of the immediate performance of the Service, of their waiver of the right of withdrawal, and of the impossibility of requesting a refund for change of mind.

ARTICLE 8 — SUSPENSION AND TERMINATION

8.1 — Suspension by the Publisher

In case of breach of ToS/Terms, fraudulent use, non-payment, or request from an authority. No refund.

8.2 — Termination by the Customer

Stopping the subscription at any time by not renewing. No refund of the current period.

8.3 — Effect of termination

Pro access suspended, switch to free plan, retention according to policy, survival of liability clauses.

ARTICLE 9 — WARRANTIES

9.1 — No warranty

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

9.2 — Use at Customer's risk

The Customer uses the Service at their own risk and under their sole responsibility.

ARTICLE 10 — LIABILITY

10.1 — Liability cap

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

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

10.2 — Exclusion of indirect damages

The Publisher expressly excludes all liability for indirect or immaterial damages.

10.3 — Force majeure

The Publisher cannot be held liable for force majeure events.

10.4 — Gross negligence and fraud

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

10.5 — Claim limitation period

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

ARTICLE 11 — INDEMNIFICATION

The Customer 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 use of the Service, generated content, breach of Terms/ToS, dispute with an end customer, or violation of law. This clause survives termination.

ARTICLE 12 — INTELLECTUAL PROPERTY

The Service and its components remain the exclusive property of DANY. Subscription confers no ownership rights on the Customer, only a personal, non-exclusive, non-transferable right of use, for the duration of the subscription.

ARTICLE 13 — PERSONAL DATA

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

For any request: support@mycashbill.app

ARTICLE 14 — 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 15 — MODIFICATION OF TERMS

The Publisher may modify these Terms at any time. Modifications do not apply to ongoing subscriptions for the already-paid period. They apply to subsequent renewals. Continued use constitutes acceptance.

ARTICLE 16 — GOVERNING LAW AND JURISDICTION

These Terms are governed by Cameroonian law.

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

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

ARTICLE 17 — GENERAL PROVISIONS

17.1 — Severability

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

17.2 — Entire agreement

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

17.3 — Non-waiver

Failure to invoke a clause shall not be construed as a waiver.

17.4 — Assignment

The Customer may not assign their rights without the Publisher's prior written consent.

17.5 — Language

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

ARTICLE 18 — FINAL ACKNOWLEDGEMENT BY CUSTOMER

The Customer expressly acknowledges having read and understood all of these Terms, unreservedly accepted all their provisions, been informed of the professional nature of their subscription, of the absence of right of withdrawal, of the absence of refund outside the limited cases of Article 6, of the non-automatic nature of renewal, of the absence of warranty of Service availability, that the Publisher's liability is strictly capped at 10,000 FCFA, that the competent jurisdiction is exclusively that of Douala, Cameroon, and accepted that the Publisher may modify the Terms at any time.

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