Vemula Software Technology (Private) Limited · Version 2.0 · Effective 30 September 2026
These Terms are a simple agreement between you (the vendor using the app) and Vemula Software Technology (Private) Limited (“VeMula”, “we”, “us”). They are written in plain language. By creating an account, selecting “I agree”, or otherwise using the app, you agree to them.
Part A — Terms of Use. Part B (our Privacy Policy) forms part of these Terms.
1 · What VeMula is
1. VeMula is a business record-keeping app for vendors and small shops. It helps you track stock, record sales, keep a credit book (tabs), send receipts, and see reports about your business. VeMula is a software tool that records what you tell it. It does not run your business for you and is not a bank, lender, payment wallet, accountant, tax adviser or legal adviser.
2 · Your account and registration
2. You must provide information that is true, accurate and kept up to date.
3. One account is intended for one store. If you permit staff or another person to use your account, you remain responsible for activity carried out through that account, subject to applicable law.
4. You must keep your phone, SIM, PIN, OTPs and other authentication credentials secure and must not disclose them to another person, including VeMula support staff.
5. If you suspect that your phone, SIM, PIN or account has been lost, stolen, compromised or used without authority, you must notify VeMula as soon as reasonably possible so that appropriate protective steps can be taken.
6. If you forget your PIN or are locked out, use the in-app reset process or contact VeMula support. We may need to verify your identity before restoring access.
7. VeMula may require additional information where reasonably necessary for account security, fraud prevention, legal compliance or regulatory requirements.
3 · Your records belong to you
8. The business records you put into VeMula — including products, sales, stock movements, receipts and customer tabs — remain yours. VeMula does not acquire ownership of those business records merely because it stores or processes them.
9. You may export a copy of your records using the export facilities made available in the app.
10. If your subscription becomes unpaid, VeMula will pause saving your records to the cloud rather than delete or withhold them. The app continues to work on your phone, and you can still view and export your records.
11. If you delete your account, personal information and business records will be handled according to Part B and any legal retention obligations.
12. VeMula will not sell your business records or use them for unrelated commercial purposes.
13. VeMula may process records as necessary to provide, secure, maintain and improve the service, subject to Part B and applicable data-protection law.
4 · Payment for the service
14. VeMula charges a subscription payable weekly, monthly or yearly through EcoCash or other payment methods made available in the app. Current prices and applicable taxes or charges will be shown before payment.
15. Payments may be processed by licensed or authorised third-party payment providers. Where a provider processes EcoCash or another mobile-money payment, VeMula does not request or store your wallet PIN unless the provider’s lawful process expressly requires otherwise.
16. You approve payment through the payment method’s own authentication process. VeMula does not have authority to take funds from your wallet without the payment authorisation required by the payment provider.
17. Payment records may include your phone number or other account identifier, amount, date and payment reference, as supplied by the payment provider.
18. If a payment is late, a grace period applies: 2 days on the weekly plan, 5 days on the monthly plan and 21 days on the yearly plan, unless the app states otherwise. After the grace period, saving your records to the cloud pauses until payment is made. The app continues to work on your phone, and your records remain available to view and export.
19. VeMula may change prices for future subscription periods. We will give at least 14 days’ notice through the app or another appropriate electronic communication before a price change takes effect, unless a shorter period is required or permitted by law.
20. Subscription payments are for the service period made available and are not refundable except where required by law, required by the payment provider’s rules, or where VeMula expressly agrees to a refund.
21. You remain responsible for taxes properly payable by you in relation to your business. VeMula will charge or collect taxes that it is legally required to charge or collect.
5 · Free trial
22. If VeMula offers a free trial or pilot, the applicable period will be clearly stated before charging begins. We will not take a subscription payment without the payment authorisation required by the applicable payment method. Any trial may be subject to reasonable eligibility conditions.
6 · Our software and brand
23. The VeMula app, source code, object code, design, interface, logo, trademarks and other intellectual property belonging to VeMula remain the property of VeMula or its licensors. Subject to these Terms and while your account is active, VeMula gives you a limited, personal, non-exclusive, non-transferable licence to use the app for your own business.
24. You may not copy, reverse engineer, modify, sell, rent, sublicense or commercially exploit the software except where applicable law expressly permits it. You may not use the VeMula name or logo without written permission. Your business records remain yours under clauses 8 to 13.
7 · Acceptable use and prohibited conduct
25. You must not:
- use VeMula for an unlawful purpose or to facilitate unlawful trade;
- attempt to gain unauthorised access to VeMula, another user’s account, systems or data;
- interfere with or disrupt the service, introduce malicious code, or circumvent security controls;
- copy, resell, lease or commercially exploit the app except as authorised;
- use receipts, reminders or other communication features to harass, threaten, impersonate, defraud or unlawfully pressure another person; or
- upload or transmit material that you do not have the right to use or disclose.
26. We may suspend or restrict an account where reasonably necessary to protect users, the service, our systems or to comply with law. Except where immediate action is required for security, fraud, legal or regulatory reasons, we will give reasonable notice and an opportunity to resolve the issue where practicable.
8 · Service limits, records and third-party systems
27. VeMula reports and calculations depend on the information entered by you. If entries are inaccurate, incomplete or deleted, the resulting reports may also be inaccurate. You remain responsible for checking important figures and maintaining appropriate business records.
28. VeMula is not professional accounting, tax, financial or legal advice. Reports are not tax returns or statutory filings.
29. The credit-book feature is your record of amounts you say customers owe you. It does not create a loan contract between VeMula and your customers, and VeMula is not responsible for collecting debts owed to you.
30. The service may be interrupted by network failure, power failure, device problems, maintenance, security incidents, third-party service failure or events beyond our reasonable control. Offline records will be synchronised when connectivity is restored where the app supports this, but you remain responsible for protecting your device and making sensible backups or exports.
9 · Security and unauthorised use
31. You are responsible for keeping your authentication credentials confidential and for taking reasonable care of the device on which VeMula is used. VeMula will not ask you to disclose your PIN or OTP through support channels.
32. If you report a lost or compromised device, SIM, PIN or account, VeMula may temporarily restrict access while identity and security checks are carried out. Activity occurring before VeMula receives reasonably sufficient notice of compromise may be treated according to the circumstances, applicable law and the evidence available; this clause does not exclude any right or remedy that cannot lawfully be excluded.
33. VeMula will maintain appropriate technical and organisational security measures, including access controls and encryption measures appropriate to the nature and risks of the information processed.
10 · Transaction and record confirmations
34. Where VeMula generates an electronic receipt, confirmation, audit record, log or similar record, that record may be used as evidence of the activity recorded, subject to applicable law and the right of either party to prove that the record is inaccurate or incomplete.
35. You are responsible for checking the recipient, amount, customer details and other information before confirming a transaction or communication. Where a third-party payment provider is used, its transaction confirmation and records may also apply to the payment itself.
11 · Fees, charges, taxes and refunds
36. Any VeMula subscription fee, payment-provider charge or tax applicable to the service will be disclosed or made available before or at the time it becomes payable, subject to applicable law.
37. No provision of these Terms is intended to exclude a refund, remedy, cancellation right or other protection that cannot lawfully be excluded. If a payment is duplicated or collected in error, VeMula will investigate and, where appropriate, correct or refund the amount in accordance with applicable law and the payment provider’s procedures.
12 · Complaints and customer support
38. You may raise a complaint or service issue through the support channel published in the app or by email at hello@vemula-app.com. We will acknowledge and investigate complaints within a reasonable period and will provide a response or update.
39. Nothing in this complaints process prevents you from exercising a right to complain to a competent regulator or other authority where the law gives you that right.
13 · Confidentiality
40. Each party will treat non-public information received from the other party as confidential and will not disclose it except to its employees, contractors, processors or professional advisers who need it for the permitted purpose and are subject to appropriate confidentiality obligations, or where disclosure is required by law, court order, regulatory requirement, or is otherwise lawfully authorised.
41. Confidentiality obligations do not apply to information already lawfully known to the recipient, publicly available other than through breach, or independently developed without use of confidential information. These obligations continue after termination to the extent appropriate to the nature of the information.
14 · Our liability
42. To the extent permitted by Zimbabwean law, VeMula is not liable for indirect, special or consequential loss or loss of profits arising from use of the service.
43. VeMula does not exclude or limit liability to the extent such exclusion or limitation would be unlawful, including where applicable for fraud, wilful misconduct or other liability that cannot legally be excluded.
15 · Ending, suspension and closure
44. You may stop using VeMula at any time and may request or use the available account-deletion process. Export your records first if you want to retain a copy.
45. VeMula may suspend or close an account where reasonably necessary for serious breach, fraud, security, legal or regulatory requirements, non-payment, or protection of the service and other users. Where immediate action is not required, we will give reasonable notice where practicable.
46. If VeMula permanently closes the service, we will give at least 30 days’ notice where reasonably practicable so that users can export their records, unless law or circumstances outside our reasonable control make that impossible.
47. Termination does not affect accrued rights or obligations. Data will be retained or deleted in accordance with Part B and applicable legal retention requirements.
16 · Changes to these Terms
48. We may update these Terms from time to time. We will provide a clear summary of material changes in the app or by another appropriate electronic communication before they take effect, unless a change must take effect sooner for legal, regulatory, security or operational reasons.
49. If you continue using VeMula after the effective date of a change, that use will constitute acceptance of the revised Terms where the law permits. You may stop using the service and export your records if you do not accept a material change, subject to any outstanding contractual obligations.
17 · Future features, lending and partners
50. VeMula may in future offer optional features with third parties, including a feature that helps a vendor apply for credit or a stock loan from a licensed financial or microfinance institution using sales history.
51. Such features will be clearly identified as optional. VeMula will not disclose business records to a lender or other partner for a new optional purpose unless there is a lawful basis for the disclosure and, where required by law, the user gives specific, informed consent through the app. Any loan or other financial product will be a separate contract between the vendor and the relevant licensed provider. VeMula is not the lender unless expressly stated otherwise.
52. If automated profiling or scoring is introduced, VeMula will provide the disclosures and safeguards required by applicable data-protection law and will not represent VeMula as the lender or decision-maker where it is not.
18 · Notices and electronic communications
53. We may send service notices, account alerts, payment reminders, security notifications and changes to these Terms through the app, SMS, email, WhatsApp support channels or other contact details you provide.
54. You are responsible for keeping your contact details accurate. An electronic notice will be treated as delivered when it is made available through the relevant channel in a manner reasonably capable of being accessed, subject to applicable law.
55. Electronic records of communications, transactions and account activity may be retained and used for support, security, audit and legal purposes.
19 · Governing law, disputes and general terms
56. These Terms are governed by the laws of Zimbabwe. We encourage you to contact VeMula first so that complaints and disputes can be resolved promptly. If a dispute cannot be resolved, either party may use a court or other lawful dispute-resolution process with jurisdiction in Zimbabwe.
57. Nothing in these Terms prevents a consumer, data subject or other person from exercising a statutory right or approaching a competent regulator or court.
58. If any provision is held invalid or unenforceable, the remaining provisions continue in force to the extent permitted by law.
59. If VeMula is sold, reorganised or transfers the service, these Terms may be assigned to the successor, subject to applicable law and the protection of users’ rights and records. VeMula will not use a transfer of the business as a means of defeating the data-ownership and privacy commitments in these Terms.
20 · Compliance with Zimbabwean law
60. VeMula will operate the service subject to applicable Zimbabwean law, including the Cyber and Data Protection Act [Chapter 12:07], applicable data-protection regulations and POTRAZ requirements, and the Consumer Protection Act [Chapter 14:44] where applicable.
61. VeMula will maintain any data-controller licensing, registration, notification and Data Protection Officer arrangements required by law before and during processing for which those requirements apply. Where a third-party processor handles personal information for VeMula, VeMula will use appropriate contractual and security controls required by law.
62. Where another law or regulatory requirement imposes a mandatory obligation that conflicts with a provision of these Terms, the mandatory legal requirement prevails to the extent of the conflict.
Also at vemula-app.com/terms · Questions: hello@vemula-app.com