mysmartaccesscard by Tekroin

You must be at least 16 years old to create an account. Users under 18 must have parental or guardian consent.

You must provide accurate, truthful, and complete information during registration.

You are responsible for maintaining the security and confidentiality of your login credentials.

You must not share your account with others or allow unauthorised access to your account.

Accounts are non-transferable. You may not sell, transfer, or assign your account to another person.

mysmartaccesscard reserves the right to reject, suspend, or terminate any account at its sole discretion.

Upload false, fraudulent, or misleading information about yourself or your organisation.

Impersonate any person, institution, or entity.

Attempt to gain unauthorised access to any part of the system, its servers, databases, or related infrastructure.

Use automated bots, scrapers, or other automated tools to access the Platform.

Reverse engineer, decompile, or attempt to extract source code from the Platform.

Use the Platform for any unlawful purpose or in violation of any applicable law.

Harass, abuse, or harm any other user of the Platform.

Businesses are responsible for how they use the data of their staff, members, students, or customers collected through the Platform.

Businesses must obtain all necessary consents from individuals they register on the Platform, as required by the Nigeria Data Protection Act (NDPA) 2023 and any other applicable laws.

Businesses must ensure they have a lawful basis for processing personal data of linked users before linking them to their account.

Businesses must not use the Platform to discriminate against or harm any linked individual.

mysmartaccesscard is not liable for how businesses use or misuse data collected through the Platform.

Businesses are solely responsible for informing their members or staff about how their data is being processed via mysmartaccesscard.

Access to certain Platform features requires an active paid subscription.

Subscription fees are displayed within the Platform and may be revised with advance notice.

All payments made on the Platform are non-refundable except where expressly stated or required by applicable law.

Subscriptions auto-renew unless cancelled before the renewal date. You may cancel at any time through your dashboard.

Wallet top-up balances are non-withdrawable, non-transferable, and may only be used for Platform services.

mysmartaccesscard reserves the right to suspend access if subscription payments fail or are disputed.

All transactions are processed in Nigerian Naira (NGN) via Paystack.

₦2 per product barcode generated — charged each time a new product is added and a unique Code128 barcode is auto-generated for it.

₦1 per item sold — charged for each unit of product sold through the barcode sales scanner (based on quantity, not number of transactions).

Usage charges accumulate throughout the calendar month and are added to your monthly subscription bill.

Charges reset to zero at the start of each new calendar month (tracked as YYYY-MM). No rollover of unused credits.

You may not downgrade from Professional Business to Basic Business while outstanding usage charges for the current billing month remain unpaid. The outstanding balance must be cleared before the downgrade can be processed.

mysmartaccesscard reserves the right to adjust Professional Business pricing with reasonable advance notice.

All inventory, product, and sales transaction data generated under Professional Business is stored in Firestore and is subject to the same data protection obligations as all other Platform data.

mysmartaccesscard operates a referral programme where users can earn commissions for referring new paying customers.

Referral commissions are calculated at 30% of the referee's first confirmed payment and 20% of all subsequent confirmed renewals.

Commissions are only valid on payments manually confirmed by the Platform.

Commissions are forfeited if fraud, manipulation, or abuse of the referral system is detected. mysmartaccesscard may delay or withhold payouts pending investigation.

Payouts are processed manually and are not automatic. Processing times may vary.

mysmartaccesscard reserves the right to modify, suspend, or terminate commission structures at any time.

Each user is issued a unique QR code that serves as their digital identity on the Platform. This code must not be shared, duplicated, or manipulated.

Users are responsible for securing their QR code and preventing unauthorised use.

Scanning another person's QR code without their knowledge and consent may constitute a violation of these Terms and applicable privacy laws.

Businesses that use the QR scanning feature are responsible for ensuring scans are performed only by authorised personnel.

NFC (Near Field Communication) tap is an additional check-in method available on supported devices. NFC tags issued or linked through the Platform are bound to a single user account and must not be transferred, cloned, or tampered with.

Businesses that deploy NFC readers or NFC-enabled check-in points are responsible for the security of those devices and for ensuring taps are performed only in authorised locations by the intended user.

Professional Business accounts are additionally issued product barcodes (Code128 format) for inventory and sales management. These barcodes identify products, not persons, and are entirely separate from the QR and NFC identity systems.

Product barcodes generated through the Platform are the intellectual property of the business that created them and may be printed, downloaded, and used on physical product packaging.

The barcode sales scanner (used for Professional Business) accesses the device camera solely to read product barcodes. No photos, video, or personal identity data are captured during a barcode scan session.

Turning it on. A business owner can turn on AI & API in the dashboard at no cost. Using it takes prepaid credits at the prices shown in the dashboard. 1 credit is ₦1.

Credits. Credits are taken only when a request succeeds; failed requests are refunded automatically. Free monthly credits, where a plan includes them, are used first and do not roll over. Like wallet top-ups, credits are non-refundable, non-withdrawable and non-transferable.

Keys, sheet links and connections. You are responsible for keeping them private. Anyone who has one can read what it allows until you delete it. You can delete any of them at any time in your dashboard.

Jobs. If you allow an AI app to do jobs (such as approving overtime or leave, or sending a school message), each job is your decision: the app must show you what it will do and you must confirm it.

AI answers. AI apps can make mistakes. Check anything important, such as pay or discipline decisions, against your dashboard. mysmartaccesscard is not responsible for what an AI app says or does with the information.

Other companies' apps. AI apps such as Claude or ChatGPT, and tools such as Google Sheets, are run by other companies under their own terms and privacy policies.

Parents, staff and members. They can connect only if their business switches this on. The business pays for their questions and may set a monthly limit or switch it off at any time.

Fair use. We may limit or suspend a key or connection that is abused or overloads the Platform.

All content, design, software, trademarks, and technology on the Platform are the exclusive property of mysmartaccesscard by Tekroin.

You may not copy, reproduce, distribute, or create derivative works from any Platform content without prior written permission.

User-submitted content (such as profile information) remains your property, but you grant mysmartaccesscard a non-exclusive licence to use it for the purpose of providing the service.

Loss of data caused by user or business actions, including accidental deletion.

Business decisions made based on information collected through the Platform.

Financial or reputational losses arising from misuse of the Platform by any party.

Service interruptions, downtime, or data loss caused by factors outside our reasonable control (including force majeure events).

Any indirect, special, consequential, or incidental damages.

You may delete your account directly from within the app: open the account menu (top-left), scroll to "Delete Account", and confirm your password. Your data is removed immediately.

You may also request account deletion by emailing support@mysmartaccesscard.com.

mysmartaccesscard may suspend or terminate your account without prior notice if these Terms are violated, fraudulent activity is detected, or if required by law.

Upon termination, your access to the Platform will be revoked immediately. Data may be retained for up to 90 days after termination for legal or operational purposes.

These Terms may be updated at any time. The updated version will be effective from the date of publication on the Platform.

Significant changes will be communicated via in-app notification or email where practicable.

Continued use of the Platform following any update constitutes your acceptance of the revised Terms.