Terms of Service

ChatLedger is a software platform that helps businesses manage WhatsApp customer conversations, send quotes, take payments, track orders, and report on sales. It connects to the WhatsApp Business Platform operated by Meta Platforms Ireland Ltd. Optional features include payment collection via Stripe (with Paystack offered as a regional alternative in certain markets), automated replies generated by an AI Support module powered by Anthropic, and product analytics via PostHog.

ChatLedger is currently offered in private beta to invited Customers. Features, plans, pricing, and availability may change as the product matures. The latest list of sub-processors and the data they handle is in our Privacy Policy.

• You must provide accurate, current information when signing up.
• You are responsible for safeguarding your phone, email, and any credentials used to access ChatLedger.
• You are responsible for all activity under your account, including actions taken by staff you add.
• You must notify us promptly if you suspect unauthorised access.

You agree not to use ChatLedger to:

• send unsolicited bulk messages, spam, or any content prohibited by the WhatsApp Business Solution Terms or Meta's Commerce Policy;
• impersonate another person or business;
• distribute malware, phishing links, or content that is illegal under applicable law in your jurisdiction or ours;
• attempt to access another customer's data, reverse engineer the service, or interfere with its operation;
• resell access to ChatLedger without our written agreement;
• process the personal data of any individual without a lawful basis.

Violations may result in immediate suspension and may also be reported to Meta, who enforces its own policies independently of us.

You retain ownership of all data about your customers. We process that data on your instructions to operate the service, as described in our Privacy Policy. You are the data controller; we are the data processor.

You are responsible for telling your customers what data you hold about them, why, and giving them a way to exercise their data rights. We can help with this — contact us.

To use the messaging features of ChatLedger, you connect a WhatsApp Business number through Meta's Embedded Signup. By doing so:

• You authorise ChatLedger to act as your Tech Provider for that number.
• You agree to Meta's WhatsApp Business Solution Terms in addition to these Terms.
• You acknowledge that the number, once connected, can no longer be used in the WhatsApp Business app on a phone.
• You can disconnect the number at any time, which we will pass through to Meta.

AI Support is an optional add-on that drafts or automatically sends replies on your behalf using Anthropic's language models. Whether you turn it on or off is up to you. When AI Support is enabled:

• You are responsible for the configuration (business description, products, policies, FAQ) and for any reply AI Support sends to your customers — sent replies are your messages for all purposes, including under the WhatsApp Business Solution Terms.
• AI Support is provided on an "as is" basis. We do not guarantee the accuracy, completeness, suitability, or legality of any AI-generated reply. You should review draft replies in assist mode and configure clear escalation rules in autopilot mode.
• AI Support consumes prepaid AI credits. Credits are non-refundable except as required by law and expire 90 days after purchase. Monthly included credits reset at each billing cycle.
• You can disable AI Support, pause it on a single conversation, or restrict it to specific hours at any time from your Settings.

• Subscription fees: billed monthly in advance per the plan you select. Pricing is shown in your region's currency on the pricing page. We may change prices on 30 days' notice.
• Customer payments: when your customers pay you through ChatLedger, funds are routed via Stripe (or, where you select it, Paystack as a regional alternative). If you use a ChatLedger-managed processor account, we deduct a platform fee (specified in the plan you select) and the processor settles the remainder to the bank account you have registered. If you use your own processor account, no platform fee is taken on transactions.
• Customer conversations: unlimited on every plan. We do not meter or bill conversations between your team and your customers.
• AI-handled conversations: each plan includes a monthly allowance of conversations the AI Support feature may participate in. One AI-handled conversation = a conversation in which the AI sent at least one reply during the calendar month, counted once per conversation per month regardless of how many replies it sent. When the allowance and any prepaid top-up credits are used, the AI pauses and hands conversations to your team — customer messages are never blocked, your team can always reply, and there is no overage billing. Top-up credit bundles (1 credit = 1 AI-handled conversation, valid 90 days) can be purchased anytime.
• Staff seats: each plan includes a set number of staff seats. Additional seats are available as an add-on at the price shown on the pricing page, billed monthly alongside your subscription.
• WhatsApp message fees — fair use: ChatLedger absorbs Meta's per-message fees for customer-initiated service-window messages, which is the bulk of normal in-chat sales. For outbound template-initiated messages (marketing or utility templates Meta charges per-send for), each plan includes a flat fair-use allowance shown on the pricing page. Beyond the allowance, Meta's per-message rate passes through at zero markup, billed alongside your subscription at month-end.
• Refunds: we do not refund partial-month subscription fees. If you believe you have been charged in error, contact chatledger@casialab.com.
• Cancellation: you may cancel at any time from settings. Your service continues until the end of the paid period. Workspace deletion follows the lifecycle described in our data deletion policy: a 30-day grace window during which you can undo, after which everything is permanently removed.

We aim to keep ChatLedger running reliably but do not guarantee uninterrupted service. We rely on third-party services (Meta WhatsApp Business Platform, Stripe, Paystack, Supabase, Railway, Anthropic, and others) whose outages may affect us. We do not currently offer a paid SLA at this stage of the product. If a material outage occurs that affects you, contact us and we will work to make it right.

ChatLedger and all of its software, branding, and content are owned by Casia Growth Lab Ltd. or our licensors. We grant you a limited, non-exclusive, non-transferable right to use the service for the duration of your subscription. You may not copy, modify, or redistribute the platform without our written agreement.

Anything you upload (your business data, customer data, message content) remains yours. You grant us a limited licence to host, process, and transmit it solely to provide the service to you.

You may terminate your account at any time. We may suspend or terminate your account if you breach these Terms (especially section 3), if Meta, Stripe, Paystack, or any other required sub-processor requires us to, or if continued service would expose us to legal or reputational risk. Where reasonable, we will give you notice and a chance to fix the issue first.

The service is provided "as is." To the maximum extent permitted by applicable law, we disclaim all implied warranties, including merchantability and fitness for a particular purpose. We do not warrant that the service will be uninterrupted, error-free, or meet every business requirement you have.

To the maximum extent permitted by law, our total liability to you for all claims arising under these Terms in any 12-month period is limited to the subscription fees you actually paid us in that period. We are not liable for indirect, consequential, or punitive damages, or for lost profits, lost revenue, or lost data, except where such exclusion is prohibited by law.

You agree to defend and indemnify ChatLedger against third-party claims arising out of your breach of these Terms, your unlawful use of the service, or your violation of any rights of a third party (including your customers).

These Terms are governed by the laws of the Federal Republic of Nigeria, the jurisdiction in which Casia Growth Lab Ltd. is incorporated. Any dispute arising from these Terms shall be resolved by the courts of Lagos State, Nigeria, unless we mutually agree to arbitration. Nothing in this section limits any mandatory consumer-protection right you have under the laws of the country or region in which you reside.

We may update these Terms as the product evolves. Material changes will be notified to you via in-product notification and email at least 14 days before they take effect. Continuing to use the service after the effective date means you accept the new Terms.

Questions about these Terms? Email chatledger@casialab.com.