Terms and Conditions

Last updated: January 2026

Service Provider:

SNCIS Invest UG (haftungsbeschränkt)

Gürtelstrasse 17, 10247 Berlin, Germany

Email: hello@blocksofchange.com

1. Agreement to Terms

By accessing and using Blocks of Change ("Service"), you accept and agree to be bound by these terms and conditions. If you do not agree to abide by these terms, please do not use this Service.

2. Service Description

Blocks of Change is a mobile-first SaaS platform that helps small and medium-sized African businesses manage their operations, including:

  • Sales tracking
  • Expense management
  • Customer management
  • Invoice generation
  • Payment tracking
  • Business analytics and reporting

3. Account Registration

To use this Service, you must register for an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your password and account. You agree to accept responsibility for all activities that occur under your account.

We reserve the right to suspend or terminate your account if we suspect illegal activity or violation of these terms.

4. Acceptable Use

You agree not to use the Service for:

  • Any illegal or fraudulent activity
  • Money laundering or financial crime
  • Violation of others' intellectual property rights
  • Distribution of malware or harmful code
  • Reverse engineering or attempting to access source code
  • Unauthorized access to our systems

5. Your Data

Data Ownership:

You retain full ownership of all business data you enter into the Service (sales, expenses, customer information, etc.). We are merely the data processor and storage provider.

Your Responsibility:

You are responsible for the accuracy of your data and for maintaining regular backups. We are not liable for errors in your data or loss of data caused by your actions.

Accuracy of Reports:

While we strive for accuracy, AI-generated reports and business insights are provided "as-is" for informational purposes. You should independently verify this information, especially for financial or legal decisions.

6. Fees and Payment

Current Pricing:

Blocks of Change is currently in a pilot phase and is offered free of charge.

Future Pricing:

If we introduce fees in the future, we will notify you 30 days in advance. You may terminate your account before charges begin.

7. Intellectual Property

All content, features, and functionality of the Service are the exclusive property of Blocks of Change and are protected by international copyright and intellectual property laws.

You receive a limited, non-exclusive, non-transferable license to use the Service solely for your business purposes.

8. Disclaimer of Warranties

The Service is provided "as-is" without any warranties of any kind, either express or implied. We do not guarantee:

  • Uninterrupted or error-free operation
  • Freedom from defects or bugs
  • That the Service will meet your specific requirements
  • Accuracy of AI-generated reports or insights

9. Limitation of Liability

To the fullest extent permitted by law, Blocks of Change shall not be liable for:

  • Indirect, incidental, or consequential damages
  • Lost profits or loss of data
  • Service outages or technical failures
  • Inaccuracies in generated reports

Our total liability to you is limited to 100 EUR per year, per user, regardless of the cause of action.

10. Data Security and Backup

We implement industry-standard security measures to protect your data. However, no online service is 100% secure, and you use the Service at your own risk.

We recommend you regularly export and backup your important business data locally.

11. Tax and Legal Compliance

Blocks of Change currently supports businesses in Kenya, Nigeria, and Ghana. The platform helps with VAT calculations and transaction tracking, but:

  • You are responsible for compliance with local tax laws
  • You must ensure correct transaction categorization
  • You must file appropriate tax returns with your country's tax authority
  • We do not provide tax or legal advice

12. Service Modifications and Termination

Changes to Service:

We may modify, add, or remove features. If changes significantly harm your ability to use the Service, you may terminate your account.

Service Termination:

If we must discontinue the Service, we will provide 60 days' notice and make reasonable efforts to prevent data loss.

Account Termination:

You can delete your account at any time. We will delete your data within 30 days, except where retention is legally required.

13. Privacy

Your use of the Service is governed by our Privacy Policy. Please review it carefully.

14. Governing Law

These Terms and Conditions are governed by the laws of Germany. Any disputes shall be resolved in the courts of Berlin, Germany.

15. Contact Us

If you have questions about these Terms and Conditions, please contact us at:

Email: hello@blocksofchange.com


Last updated: January 2026