These Terms of Service ("Terms") govern access to and use of the Global Chains ERP platform, websites, APIs, webhooks, mobile web experiences, and related services (collectively, the "Service") offered by Global Finance and its operating entity ("Global Chains ERP," "we," "us," or "our"). The Service provides software infrastructure for financial and business operations, including without limitation: smart invoicing and receivables; payables and vendor management; approvals and workflow; treasury, wallet, and payment-orchestration features; integrations with payment processors (including Paystack for subscriptions and billing where configured); M-Pesa and other regional payment flows where enabled; multi-currency displays and reconciliation tooling; optional blockchain, smart-contract, or digital-asset-related functionality (e.g. via wallet connectors, on-chain transactions, or partner settlement rails); webhooks and automation; document and logo uploads; PDF ingestion where offered; email notifications; optional WhatsApp Business API integrations; optional web push notifications; workspace and multi-organization administration; roles and permissions; client and vendor directories; ledger-oriented or export features; and administrative tools for platform operators where applicable.
Not legal advice: These Terms are a legal-style agreement template. They do not create an attorney–client relationship. Regulated financial, payroll, tax, and sanctions rules vary widely. Obtain advice from qualified counsel for your entity, industry, and jurisdictions.
Last updated: May 10, 2026
By accessing or using the Service—whether as an individual or on behalf of an organization—you agree to these Terms and our Privacy Policy. If you use the Service for an organization, you represent that you have authority to bind that organization. You consent to receive electronically all agreements, notices, and disclosures we provide in connection with the Service.
The Service is software. Unless we expressly state otherwise in a separate signed agreement and hold the relevant licenses, we are not a bank, credit union, broker-dealer, money transmitter, e-money institution, custodian, trust company, or virtual asset service provider. We do not provide investment, legal, tax, or accounting advice. Any "treasury," "wallet," or "payment" feature is a tooling layer that may interface with Third-Party Services or self-custody configurations you choose.
Depending on how you configure and market your use, regulators may characterize your activities as regulated. You are solely responsible for licensing, registration, disclosures, KYC/AML program design, recordkeeping, and reporting applicable to you and your counterparties.
You may not use the Service if you:
We may refuse service, verify identity, block transactions, or cooperate with authorities. An AML/KYC Compliance Notice may describe additional verification steps.
You are responsible for maintaining the confidentiality of passwords, API keys, webhook secrets, wallet seed phrases (if applicable), and devices. You must promptly notify us of unauthorized access. You must configure roles so that sensitive actions (treasury movements, payroll, exports, approvals) are limited to appropriate Users. You are responsible for the accuracy of Customer Data and for reconciling outputs with bank statements, tax filings, and regulatory obligations.
Paid plans may be billed through Paystack or other processors we designate. Fees, taxes, renewal dates, and failed-payment handling are disclosed at purchase. Processor terms apply to card or bank debits. We may change prices with reasonable notice where permitted. Taxes are your responsibility unless we are legally required to collect them.
The Service interoperates with Third-Party Services. Your use of those services is subject to their terms and privacy policies. We are not responsible for outages, errors, fees, settlement delays, or losses caused by Third-Party Services, including payment networks, mobile-money operators, blockchain validators, RPC providers, email relays, or messaging platforms (including Meta/WhatsApp when you connect it).
Features may include wallet connections, multi-sig or Safe-style workflows, treasury dashboards, and webhooks from settlement partners (for example, providers that confirm funding or payout states). Unless a separate agreement explicitly states we hold funds in our own regulated accounts for your benefit:
Card, ACH, SEPA, mobile money, crypto, or other rails are subject to network rules. Chargebacks, recalls, and disputes are between you, counterparties, and the relevant processor or bank. We do not guarantee settlement times. You are responsible for refunds, chargebacks, and tax characterization.
Where M-Pesa or similar integrations are enabled, you must comply with operator rules, consent requirements, and local telecommunications and payments law. We are not liable for operator downtime, STK push failures, or reconciliation mismatches caused by third parties.
You are responsible for the content you publish through hosted links, tokens, or public pages; for obtaining lawful bases to contact counterparties; and for the security of shareable URLs. You must not use public flows to phish, deceive, or collect data without appropriate notice. We may throttle, block, or take down abusive flows.
API and webhook use must follow our documentation and reasonable usage limits. You must secure endpoints and secrets. We may suspend keys, throttle traffic, or block abusive automation (including scraping, credential stuffing, or attempts to overload the Service). Dedicated API Terms may apply to enterprise integrations.
You must not upload unlawful content or malware. You represent you have rights to upload Customer Data. We may scan, block, or remove content to protect the Service. PDF or document parsing may be imperfect; you remain responsible for verifying extracted data.
AI-assisted or automated features may produce errors, omissions, or unsafe recommendations. You must review outputs before relying on them. The Service does not provide legal, tax, or investment advice. You assume all risk for automated workflows you enable (including payouts, approvals, or categorization).
If you process employee or contractor data, you are responsible for lawful processing, notices, consents, data minimization, and cross-border transfers to us and subprocessors. We process such data only to provide the Service.
References to "immutable" records describe technical properties of certain storage or chain designs where implemented; they are not guarantees of legal admissibility, tax treatment, or regulatory recognition. Forks, reorganizations, or protocol changes may affect history.
In addition to Section 4, you agree not to:
As between you and us, you retain ownership of Customer Data. You grant us a worldwide, royalty-free license to host, process, transmit, display, and create backups of Customer Data to provide and secure the Service, comply with law, and as described in the Privacy Policy. We own the Service, software, documentation, and our branding. If you provide feedback, you grant us a perpetual, irrevocable license to use it without restriction or compensation.
We implement logical segregation and access controls designed to separate Customer workspaces. No architecture eliminates all risk of misconfiguration or insider threat. Each Customer must manage Users and secrets appropriately.
We may offer preview or beta features "as is." They may change or be withdrawn at any time and may not meet production reliability or security standards.
Unless a separate enterprise agreement specifies an SLA, the Service is provided as available. Scheduled maintenance, provider outages, internet disruptions, chain halts, or force majeure events may cause interruptions. We do not guarantee uninterrupted or error-free operation.
To the maximum extent permitted by law, the service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including merchantability, fitness for a particular purpose, title, accuracy of data, and non-infringement.
To the maximum extent permitted by law, in no event will we be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, goodwill, data, business interruption, failed payroll, tax penalties, regulatory fines, or loss of digital assets, arising out of or related to the service or these terms, even if advised of the possibility, and whether in contract, tort, strict liability, or otherwise.
To the maximum extent permitted by law, our aggregate liability for all claims arising out of or relating to the service or these terms will not exceed the greater of (a) the fees paid by you to us for the service in the twelve (12) months preceding the claim, or (b) one hundred u.s. dollars (usd $100) if no fees applied. Some jurisdictions do not allow certain limitations; in those cases our liability is limited to the fullest extent permitted.
We do not insure your balances, digital assets, or business outcomes. You are responsible for insurance and risk management appropriate to your operations.
You will defend, indemnify, and hold harmless Global Chains ERP and its affiliates, directors, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) Customer Data; (b) your use of the Service; (c) your violation of law or these Terms; (d) disputes between you and Users, counterparties, employees, or regulators; or (e) your tax, payroll, or sanctions compliance—except to the extent caused by our willful misconduct.
We may suspend or terminate access for breach, risk, legal requirement, non-payment, or abuse. Upon termination, your right to use the Service ceases. We may delete or retain data as described in the Privacy Policy and applicable law. Provisions that by their nature should survive (including IP, disclaimers, limitations, indemnity, governing law) will survive.
The Service may be subject to export control laws. You may not use or export the Service in violation of those laws. If you are a government entity, additional terms may apply; the Service is a commercial item.
Unless your executed order form or enterprise agreement provides otherwise, these Terms are governed by the laws of the Republic of Kenya, without regard to conflict-of-law principles. The courts located in Kenya have exclusive jurisdiction, subject to injunctive relief in any competent court. If you require arbitration, a class-action waiver, or a different venue, that must be stated in a separate signed agreement.
We are not liable for failures due to events beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, internet failures, supplier outages, government actions, pandemics, or blockchain network failures.
You may not assign these Terms without our consent. We may assign in connection with a merger, acquisition, or sale of assets. There are no third-party beneficiaries except as expressly stated.
If any provision is unenforceable, the remainder remains in effect. Failure to enforce a provision is not a waiver. These Terms, the Privacy Policy, and any executed enterprise addenda constitute the entire agreement regarding the Service and supersede prior oral or written understandings on that subject.
The English language version controls in the event of conflict with translations.
We may modify these Terms. We will post updates and, where required, provide additional notice. Continued use after the effective date may constitute acceptance where permitted by law.
Legal notices and questions:
Email: legal@globalfinance.com
Address: [Your Business Address]