Terms of use

Use

You may use Owoode to create documents and calculations for your own business or for clients you act for. You may not use it to create documents intended to deceive a bank, landlord, lender, government agency or any other party.

Accuracy

We check rates and thresholds against the Nigeria Tax Act 2025, the 2024 withholding regulations and NRS notices, and we date every review. Tax law changes and edge cases exist. Outputs are a working guide and not tax, legal or accounting advice. Confirm your position with a qualified adviser before you file or rely on a figure.

Your documents

Documents are generated on your device. You are responsible for their contents, for the accuracy of what you enter, and for keeping records the law requires you to keep.

Generated documents

Invoices, quotations, purchase orders, credit notes, waybills and spreadsheets produced by the tools are your documents. We do not see them, store them or stand behind their contents. Numbering, VAT decisions, TINs and bank details are yours to check before you send. A document from this site is not an NRS-validated e-invoice; validation happens through a system connected to the NRS platform when your turnover tier is live.

Availability

The tools are provided as they are, without warranty. We may change or withdraw a tool at any time. Where a feature is marked coming soon, no date is promised.

Terms of sale (Owoode Pro)

Owoode Pro is a paid upgrade sold by ereQa Technologies Ltd. Card payments are processed by Polar, which acts as merchant of record: it is the seller named on your card receipt and it collects any sales tax or VAT your country charges. Payments in naira and other local payments are processed by Bani or Paystack. Your contract for Pro is with ereQa Technologies Ltd.

What you buy. A personal subscription to the Pro features for the period you paid for, monthly or yearly, tied to the email address you sign in with. It may be used on up to three devices at a time; signing in on a further device ends the oldest sign-in. The account is for you or your own business and may not be resold or shared beyond those devices.

Renewal and cancellation. A subscription renews at the end of each period until you cancel. You can cancel at any time; Pro then stays on until the end of the period already paid for and is not renewed. If the price of a yearly plan changes, we tell you at least 30 days before your next renewal. New buyers pay the price shown on the day they buy. Features added to Pro during your subscription are included at no extra cost.

Refunds. You may ask for a full refund within 14 days of a payment, for any reason, by writing to support@owoode.com from the email address on the account. Pro is switched off once the refund is made. This does not reduce any right to a refund you have under the consumer law of the country you live in.

The free tools. Buying Pro does not change these terms for the free tools, and nothing that is free is withdrawn to make way for Pro.

Governing law

These terms are governed by the laws of the Federal Republic of Nigeria.