1. Agreement
These Terms of Use ("Terms") govern your access to and use of the BillsBridge mobile app, websites, and related services (together, the "Service"). By creating an account or using the Service, you agree to these Terms. If you are using BillsBridge on behalf of a business, you confirm you are authorised to bind that business.
2. Who we are
BillsBridge is operated by n-Qube, based in Accra, Ghana ("BillsBridge", "we", "us"). We provide tools that help merchants create invoices, run product campaigns, and collect payments from their customers over WhatsApp and the web.
3. Your account
To use the Service you must register an account and provide accurate information about you and your business. You are responsible for activity on your account and for keeping your login secure.
- You must be at least 18 years old and operating a lawful business.
- Keep your phone number, business details, and settlement account up to date.
- Tell us promptly if you suspect unauthorised access to your account.
4. Using BillsBridge
BillsBridge lets you build invoices and campaigns from your catalog, send them to customers on WhatsApp, and track payment status. You are responsible for the products you sell, the prices you set, the accuracy of your invoices, and fulfilling orders with your customers.
5. Payments & fees
Payments are processed by our payment partner, Paystack. When a customer pays an invoice, funds are settled to the account you connect, subject to Paystack's processing times and requirements.
- Your BillsBridge subscription is billed in Ghana Cedi (GH₵) according to the plan you choose.
- A transaction fee applies to payments you collect; the current rate is shown in the app before you go live.
- You are responsible for any taxes that apply to your sales.
- Refunds to customers are handled by you in line with your own business policy.
6. WhatsApp messaging
The Service delivers your invoices, receipts and campaigns through WhatsApp. Your use of WhatsApp is also subject to WhatsApp's and Meta's own terms. You agree to message only customers who expect to hear from you, to send only business communications related to your shop, and not to send spam or prohibited content.
7. Your content
You keep ownership of your catalog, product photos, business name and customer information ("Your Content"). You grant BillsBridge a limited licence to host and process Your Content solely to provide the Service — for example, to display a product on a pay page or include it in a message you send.
8. Acceptable use
You agree not to use BillsBridge to:
- Sell illegal, counterfeit, or prohibited goods or services.
- Defraud customers, launder money, or evade applicable law.
- Send unsolicited messages or harvest contacts without consent.
- Interfere with, reverse-engineer, or attempt to disrupt the Service.
We may suspend accounts that breach these rules to protect customers, partners, and the platform.
9. Availability & support
We work hard to keep BillsBridge available and reliable, but the Service is provided "as is" and we do not promise it will be uninterrupted or error-free. We provide support through the channels listed on our Support page.
10. Liability
To the extent permitted by law, BillsBridge is not liable for indirect or consequential losses, lost profits, or loss of data arising from your use of the Service. Nothing in these Terms excludes liability that cannot be excluded under Ghanaian law.
11. Termination
You can stop using BillsBridge and close your account at any time. We may suspend or end access if you breach these Terms or if required for legal, security, or compliance reasons. On termination, you may request export or deletion of your data as described in our Privacy Policy.
12. Governing law & changes
These Terms are governed by the laws of the Republic of Ghana, and disputes are subject to the courts of Ghana. We may update these Terms from time to time; we will post the new version here and update the "last updated" date. Continued use after changes means you accept them.
13. Contact
Questions about these Terms? Email support@billsbridge.co or reach us through the Support page. BillsBridge, Accra, Ghana.