Terms of Service

Effective date: May 13, 2026 · Last updated: May 13, 2026

1. Acceptance of Terms

By creating an account or using the Yona API, you agree to these terms. If you are using Yona on behalf of an organization, you represent that you have authority to bind that organization. If you do not agree to these terms, do not use the service.

2. Description of Service

Yona provides API infrastructure for e-invoicing in Nigeria. The service includes: invoice creation, UBL 2.1 validation, cryptographic signing, submission to the relevant tax authority, status tracking, webhook notifications, seller/buyer management, and billing/credit management.

We operate as a licensed access point and system integrator. We are an infrastructure provider — we do not provide accounting, tax advisory, or legal services.

3. Account Registration

• You must provide accurate business information including a valid TIN (Tax Identification Number) for production access.
• You are responsible for maintaining the security of your API keys and account credentials.
• You must enable two-factor authentication for production accounts.
• Notify us immediately at security@elyonar.ng if you suspect unauthorized access.

4. API Usage & Rate Limits

API access is governed by your subscription plan. Each plan includes a monthly credit allocation (1 credit = 1 invoice submitted to the tax authority). Unused credits do not roll over unless specified in your plan. Rate limits are enforced per API key. Exceeding rate limits returns HTTP 429 responses.

You must not:

• Attempt to circumvent rate limits
• Use the API for purposes other than e-invoicing
• Share API keys across organizations
• Submit fraudulent invoice data

5. Sandbox and Production Environments

6. Billing and Payments

• Subscription fees are billed monthly or annually in advance.
• Credit purchases are non-refundable once credits have been consumed.
• Payment is processed by third-party providers (Stripe, Paystack).
• Failed payments may result in service suspension after a grace period.
• All amounts are displayed in your selected currency (NGN, USD, GBP, EUR).
• Nigerian businesses will be charged applicable VAT.

7. Invoice Data and Compliance

You represent that all invoice data submitted through Yona is accurate and reflects genuine business transactions. You are responsible for compliance with all applicable Nigerian tax laws.

Yona submits invoices to the relevant tax authority on your behalf as a licensed intermediary, but ultimate tax liability remains with you. We retain invoice data for a minimum of 6 years as required by Nigerian tax law.

8. Data Ownership

You retain ownership of all invoice data, seller/buyer records, and business information you submit through the API. We do not claim ownership of your data. We process your data solely to provide the service. See our Privacy Policy for details on data handling.

9. Service Availability

We target 99.9% API uptime but do not guarantee uninterrupted service. Scheduled maintenance will be communicated in advance.

We are not liable for downtime caused by tax authority system unavailability, internet connectivity issues, or force majeure events.

10. Intellectual Property

The Yona API, SDK, documentation, and brand assets are owned by Yona Technologies Ltd. You may use our SDK (@useyona/einvoice-js) under its published license. You may not reverse-engineer, decompile, or create derivative works of our API infrastructure.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Yona's total liability for any claim arising from or related to the service shall not exceed the amount you paid to Yona in the 12 months preceding the claim.
• We are not liable for indirect, incidental, special, consequential, or punitive damages.
• We are not liable for tax authority rejections caused by inaccurate data you submit.
• We are not liable for tax penalties or assessments resulting from your tax obligations.

12. Indemnification

You agree to indemnify Yona against claims arising from:

• Your violation of these terms
• Inaccurate invoice data you submit
• Your failure to comply with Nigerian tax law
• Unauthorized use of your API keys

13. Suspension and Termination

We may suspend your account immediately if we detect:

• Fraudulent invoice submissions
• Violation of these terms
• Non-payment beyond the grace period
• Use of the API that threatens system integrity

You may terminate your account at any time by contacting support@elyonar.ng. Upon termination, we retain invoice data for the legally required retention period (6 years). Unused credits are not refundable upon termination.

14. Multi-Organization and Partner Usage

If you use Yona's multi-organization features (B2B2B model), you are responsible for ensuring your sub-organizations comply with these terms. Credit pool configurations between parent and child organizations are governed by the settings you configure.

15. Modifications to Terms

We may modify these terms with 30 days' written notice via email. Material changes affecting pricing or data handling require affirmative consent. Continued use after the notice period constitutes acceptance.

16. Governing Law and Dispute Resolution

These terms are governed by the laws of the Federal Republic of Nigeria. Disputes shall first be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to arbitration under the Arbitration and Mediation Act of Nigeria. The seat of arbitration shall be Lagos, Nigeria.

17. Severability

If any provision of these terms is found unenforceable, the remaining provisions continue in full force.

18. Contact