Terms of Service

Last Updated: August 14, 2026

By downloading, accessing, or using the VSLA Records App (the "App") provided by BenDevsPro, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the App.

1. Nature of the Service

The App is a localized, digital ledger calculator designed to assist Village Savings and Loan Associations (VSLAs) in tracking their financial records. The App does not hold, process, or transfer real fiat currency, Mobile Money, or physical cash.

2. Limitation of Liability for Physical Funds

BenDevsPro provides software, not financial services. We are not a bank, custodian, or fiduciary. The accurate safeguarding of physical cash lockboxes remains the sole responsibility of the VSLA committee. BenDevsPro shall not be held liable for any discrepancies between the digital ledger and physical cash, theft of physical funds, embezzlement, or data entry errors made by App users.

3. Data Loss & Cryptographic Responsibility

The App utilizes end-to-end and local encryption to protect your data. If a group loses their Admin Passwords, Support PINs, or physical Quorum Keys, the data may become permanently irrecoverable. BenDevsPro does not possess "Master Keys" to bypass this encryption and cannot be held responsible for data loss resulting from forgotten credentials, lost devices, or improper backup management.

4. Irreversible Group Deletion & Local Backups

The App includes a feature to permanently delete a group's financial ledger. To prevent accidental data loss, this action is protected by a strict, multi-step confirmation process. By completing this process, you explicitly acknowledge that the action is a deliberate, irreversible decision. BenDevsPro will never categorize a completed deletion sequence as an "accident."

Upon confirmation, the App permanently erases the local database and automatically deletes your group's Disaster Recovery backup from our cloud servers. The data will be lost forever unless you have manually generated a Local Backup file (.enc). Local Backup files are secured with a custom password created by the Admin at the time of backup. BenDevsPro does not store these backup passwords. If you delete your group and lose your local backup password, your data cannot be recovered. BenDevsPro accepts no liability for data deleted through this deliberate process.

5. Strict Warnings Regarding Offline Data Restoration

The App allows for the generation and restoration of offline backup files. Users assume all risks associated with restoring offline backups. If you restore an outdated offline backup file, it will permanently overwrite and delete any newer transactions recorded on your device since that backup was created.

BenDevsPro strongly advises against relying solely on offline backups for device recovery. If your device is lost or damaged and you attempt to restore the App using an old offline file, your financial ledger will be inaccurate unless you proactively generated a new backup file immediately after every single VSLA meeting.

Cloud Synchronization Recommendation: To ensure data integrity and prevent the accidental overriding of recent records, BenDevsPro strongly encourages users to maintain an active internet connection to synchronize their data to the cloud. Cloud synchronization is the only method guaranteed to restore your most current financial data in the event of device failure or loss.

6. Appropriate Use

You agree to use the App in compliance with all local laws and regulations governing financial associations in your jurisdiction. You may not attempt to reverse engineer, decompile, or bypass the security features of the App.

7. "As Is" Warranty

The App is provided "AS IS" and "AS AVAILABLE," without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

8. Indemnification

You agree to indemnify and hold harmless BenDevsPro, its developers, and affiliates from any claims, damages, liabilities, costs, or expenses arising from your use of the App, improper data restoration, or your group's internal financial disputes.

9. Contact Information

For support or legal inquiries, contact: bendevspro@gmail.com