Introduction
This document constitutes a legally binding Master Software License, Terms of Service, and Anti-Piracy Declaration (“Agreement”) between Josmait Technology (“Developer”, “Licensor”, “we”, “us”, or “our”), a software development and technology enterprise operating from Konongo, Ashanti Region, Ghana, and any individual, company, partnership, institution, or other legal entity (“Licensee”, “Customer”, “you”, or “your”) that:
- Purchases, subscribes to, installs, deploys, accesses, or uses any part of the JosmaPOS software platform;
- Signs up for a trial, demo, or evaluation instance;
- Is granted administrative, cashier, manager, or any other access to a JosmaPOS deployment; or
- Otherwise interacts with any of the modules listed in Section 5 of this document.
By any of the actions above, the Licensee acknowledges having read, understood, and agreed to be bound by every clause of this Agreement in its entirety.
Definitions
For the purposes of this Agreement, the following terms carry the meanings assigned below:
- “Software” means the JosmaPOS Enterprise Edition platform, including all source code, compiled code, database schemas, SQL scripts, configuration files, API integrations, documentation, user interface designs, graphics, icons, layout structures, business logic, algorithms, and any accompanying materials — whether delivered as hosted SaaS, on-premise installation, or source-code license.
- “Modules” means each individual functional component of the Software, including but not limited to those enumerated in Section 5.
- “Tenant” means a single licensed business entity operating one or more branches under a single subscription.
- “Branch” means a physical or logical outlet, store, warehouse, kiosk, or point of operation belonging to a Tenant.
- “User” means any individual granted login credentials under a Tenant's account.
- “Source Code” means the human-readable form of the Software.
- “Deployment” means any live or test instance of the Software running on a server, cloud environment, local machine, or device.
- “Derivative Work” means any modification, adaptation, translation, decompilation, reverse-engineering, extension, fork, wrapper, plugin, theme, or integration based wholly or partially on the Software.
- “Confidential Information” means all non-public information disclosed by either party.
- “Trial Period” means the thirty (30) day evaluation window described in Section 8.
- “Setup Fee” means the one-time installation and onboarding charge described in Section 8.
- “Subscription Plan” means either the Standard Plan or the Pro Plan as described in Section 8.
Acceptance of Terms
2.1 This Agreement becomes effective the moment any of the following occurs:
- The Licensee clicks “I Agree”, “Accept”, “Continue”, or any equivalent button in a sign-up or installation flow;
- The Licensee signs a separate commercial agreement or invoice referencing this document;
- The Licensee installs, deploys, or executes the Software on any server or device;
- The Licensee accesses any module of the Software through a browser or API.
2.2 If the Licensee does not agree to every clause of this Agreement, the Licensee must immediately:
- Cease all use of the Software;
- Delete every copy of the Software, including backups, from every server, device, cloud account, or storage medium under the Licensee's control;
- Notify Josmait Technology in writing at josmaitconsult@gmail.com confirming such deletion.
2.3 Continued use of the Software after any modification to this Agreement constitutes acceptance of the modified terms.
Grant of License
3.1 Subject to full payment of all applicable fees and strict compliance with this Agreement, Josmait Technology grants the Licensee a non-exclusive, non-transferable, non-sublicensable, revocable, and limited license to use the Software strictly for the Licensee's internal business operations, solely within the number of Tenants, Branches, and Users for which the Licensee has paid.
3.2 The license is granted on a per-tenant basis. Each Tenant is entitled to its own isolated data store. Cross-tenant access is prohibited and technically prevented.
3.3 The Licensee may NOT:
- Copy, distribute, sell, rent, lease, lend, sublicense, or make the Software available to any third party;
- Deploy the Software for any entity other than the licensed Tenant;
- Use the Software to provide bureau, agency, outsourcing, or SaaS resale services;
- Remove, obscure, or alter any copyright notice, trademark, or watermark;
- Reverse-engineer, decompile, disassemble, or attempt to derive the Source Code;
- Modify the Software to circumvent licensing, subscription, or tenant-isolation mechanisms;
- Use the Software in violation of the laws of the Republic of Ghana or any applicable international law.
Restrictions and Prohibited Conduct
4.1 The Licensee agrees NOT to:
- Duplicate the Software for personal, commercial, or resale purposes;
- Rebrand the Software under any name other than JosmaPOS;
- Extract database schemas or migration logic for use in competing products;
- Replicate user interface designs, module layouts, or business logic;
- Publish screenshots or documentation revealing internal architecture;
- Share login credentials between Users or Tenants;
- Bypass any usage limits or subscription enforcement;
- Upload malicious code, backdoors, or exploits;
- Use the Software for money laundering, tax evasion, or fraud;
- Store payment card data in violation of PCI-DSS or personal data in violation of the Ghana Data Protection Act, 2012 (Act 843).
4.2 Any violation of this Section constitutes a material breach, entitling Josmait Technology to immediate termination.
Module Scope
The Software consists of the following functional modules. Each module is licensed as part of the unified platform and is subject to the same terms, restrictions, and protections under this Agreement.
| # | Module | Function / Purpose |
|---|---|---|
| 1 | Point of Sale Terminal | Live checkout interface enabling cashiers to build sales carts, apply discounts, calculate taxes, and complete multi-payment transactions. |
| 2 | Held Sales | Enables cashiers to temporarily park an in-progress sale and recall it later. |
| 3 | POS Drafts | Persists incomplete sales carts across sessions. |
| 4 | Sales Returns | Records customer returns, calculates refunds, restocks inventory, and produces return receipts. |
| 5 | Mobile Money Transactions | Captures, reconciles, and reports mobile money payments. |
| 6 | My Transactions | Provides each cashier with a personal history of transactions processed. |
| 7 | Product Catalog | Central registry for products, SKUs, barcodes, categories, and pricing tiers. |
| 8 | Expiry & Batch Monitoring | Tracks batches and expiry dates, raising alerts for near-expiry or expired stock. |
| 9 | Stock Ledger | Immutable record of every stock movement. |
| 10 | Branch Transfers | Workflow for moving stock between branches. |
| 11 | Stock Adjustments | Manual corrections, write-offs, and physical count discrepancies. |
| 12 | Supplier Directory | Supplier records with payment terms and balance tracking. |
| 13 | Purchase Orders | Procurement workflow: requisition, approval, order, fulfilment. |
| 14 | Goods Received Notes | Records incoming deliveries with batch/expiry capture. |
| 15 | Supplier Returns | Return-to-vendor transactions with stock and balance adjustments. |
| 16 | Customer Directory | CRM hub for contacts, purchase history, credit status, and segmentation. |
| 17 | Credit Sales Tracking | Records credit sales, monitors balances, enforces credit limits. |
| 18 | Loyalty Programme | Points, reward tiers, redemption rules, and campaigns. |
| 19 | Expense Management | Captures and approves operating expenses by category. |
| 20 | Cash, Bank & MoMo Accounts | Registry of all money-holding accounts with full transaction ledger. |
| 21 | SMS Gateway | Sends transactional and promotional SMS, tracks delivery. |
| 22 | Branch Management | Configures multi-branch operations and per-outlet parameters. |
| 23 | Staff & Access Control | User accounts, roles, granular permissions, and RBAC. |
| 24 | Audit Trail | Complete tamper-evident log of user and system actions. |
| 25 | Reports & Analytics | Reporting on sales, profit, inventory, taxes, returns, staff, and cash flow. |
| 26 | System Settings | Central configuration of tenant-wide preferences. |
| 27 | My Subscription | View plan, upgrade or downgrade, review invoices, and pay. |
| 28 | Subscription Plans | Administrative interface for managing subscription tiers. |
| 29 | Tenant Subscriptions | Oversight console for all tenant subscriptions and statuses. |
| 30 | Subscription Lockout Screen | Lockout interface when a subscription is overdue. |
5.1 All 30 modules constitute a single integrated Software product. Attempting to separate, extract, or independently re-license any module is a violation of this Agreement.
5.2 The Developer reserves the right to add, modify, deprecate, or merge modules in future releases without notice.
Intellectual Property Rights
6.1 All rights, title, and interest in the Software remain the sole and exclusive property of Josmait Technology. Nothing in this Agreement transfers ownership of any intellectual property to the Licensee.
6.2 Protected property includes, but is not limited to:
- Source code, database schemas, and migration scripts;
- User interface designs, layouts, colour schemes, iconography, and typography;
- Business logic, algorithms, calculation formulas, and workflow sequences;
- Documentation, user manuals, administrator guides, and support materials;
- Logos, wordmarks, and brand identifiers of Josmait Technology;
- The names “JosmaPOS”, “JPOS”, and any related branding.
6.3 The Licensee acknowledges that the Software contains valuable trade secrets of Josmait Technology.
6.4 Any improvements, extensions, customizations, bug fixes, or derivative works created by the Licensee become the sole property of Josmait Technology unless a separate written agreement specifies otherwise.
6.5 The Licensee shall preserve all copyright, trademark, and proprietary notices within the Software.
Data Ownership and Privacy
7.1 All transactional data, customer records, product information, sales data, employee data, and other business records entered into the Software by the Licensee remain the property of the Licensee.
7.2 Josmait Technology is the Data Processor; the Licensee is the Data Controller within the meaning of the Ghana Data Protection Act, 2012 (Act 843).
7.3 The Developer shall not access, copy, disclose, or use the Licensee's business data except:
- To perform scheduled maintenance, backups, or troubleshooting;
- To respond to a support request from the Licensee;
- To comply with a lawful order from a court or regulator;
- To detect and prevent fraud, abuse, or security incidents.
7.4 The Developer will not sell, rent, trade, or share Licensee data with third parties for marketing or commercial purposes.
7.5 Third-party integrations (payment gateways, SMS providers, cloud hosting, email services) operate under their respective terms of service.
7.6 Upon termination, the Licensee may request an export of their data in a machine-readable format.
Trial, Billing, and Subscription Plans
All monetary amounts stated in this Section are denominated in Ghana Cedis (GHS) and are exclusive of any applicable taxes, levies, or statutory charges.
8.1 — Free Trial Period
8.1.1 Every new Tenant is entitled to a thirty (30) day free trial commencing on the date the trial instance is provisioned.
8.1.2 During the Trial Period, all thirty (30) modules described in Section 5 are fully unlocked and accessible without restriction.
8.1.3 The Trial Period is granted once per Tenant. It may not be reset, extended, or duplicated.
8.1.4 At the end of the Trial Period, if the Licensee has not selected and paid for a Subscription Plan, access will be restricted and all Users will be redirected to the Subscription Lockout Screen.
8.1.5 Trial data will be preserved for fourteen (14) days after the Trial Period ends. After this grace period, the Developer may permanently delete the trial data without further notice.
8.2 — Setup Fee
8.2.1 A one-time Setup Fee of GHS 1,000.00 (One Thousand Ghana Cedis) is payable by every new Tenant prior to activation of a paid Subscription Plan.
8.2.2 The Setup Fee covers:
- Initial installation and deployment;
- Tenant configuration, branding, and branch provisioning;
- Creation of default subscription accounts;
- Onboarding of administrator accounts;
- Initial training session for up to three (3) key personnel;
- Migration assistance for opening balances and product catalogues.
8.2.3 The Setup Fee is non-refundable once installation or configuration work has commenced.
8.2.4 The Setup Fee is separate from, and not deducted from, any Subscription Plan fees.
8.3 — Subscription Plans
Two (2) subscription tiers are offered:
- ✓ Point of Sale & All Core Modules
- ✓ Inventory, Suppliers, Purchase Orders
- ✓ Reports, Staff & Audit
- × Mobile Money Transactions
- × Credit Sales Tracking
- × Mobile Money Payment Processing
- ✓ All 30 Modules Unlocked
- ✓ Mobile Money Transactions
- ✓ Credit Sales Tracking
- ✓ Mobile Money Payment Processing
- ✓ Priority Support Access
- ✓ No Feature Restrictions
8.3.1 Standard Plan — Restricted Modules
Under the Standard Plan, the following modules and features are disabled:
- Mobile Money Transactions module — cannot be used to record, reconcile, or report mobile money payments.
- Credit Sales Tracking module — cannot be used to create, monitor, or manage credit sales or customer debt.
- Mobile Money Payment processing — the POS terminal will not accept mobile money as a payment method.
8.3.2 Pro Plan — Full Access
The Pro Plan grants unrestricted access to every module and feature described in Section 5.
8.3.3 Upgrades and Downgrades
- Upgrades from Standard to Pro take effect immediately upon payment of the pro-rated difference.
- Downgrades from Pro to Standard take effect at the start of the next billing cycle. Restricted modules become inaccessible but data is retained.
- The Licensee may not downgrade below the Standard Plan.
8.4 — Billing and Payment
8.4.1 Subscription fees are billed monthly in advance on the calendar day corresponding to the Licensee's subscription start date.
8.4.2 Accepted payment methods include mobile money, bank transfer, and any other method published by the Developer.
8.4.3 Invoices are issued electronically to the email address on file.
8.4.4 Subscription fees are non-refundable, except where required by law.
8.4.5 All fees are exclusive of VAT, NHIL, GETFund levy, withholding tax, or any other applicable statutory charge.
8.5 — Grace Period and Suspension
8.5.1 A grace period of seven (7) days is granted after the due date of any subscription invoice.
8.5.2 If payment is not received by the end of the grace period, access is restricted and all Users are redirected to the Subscription Lockout Screen.
8.5.3 Reactivation requires settlement of all outstanding amounts, including any reactivation fee.
8.5.4 Data is retained for ninety (90) days after suspension. After this period, the Developer may permanently delete the data.
8.6 — Price Changes
8.6.1 The Developer reserves the right to change the Setup Fee or Subscription Plan prices at any time with thirty (30) days' written notice.
8.6.2 Price changes do not apply retroactively to already-paid billing periods.
8.6.3 Continued use of the Software after the effective date of a price change constitutes acceptance of the new prices.
Support, Maintenance, and Updates
9.1 The Developer will provide reasonable technical support during normal business hours (Monday–Saturday, 08:00–18:00 GMT).
9.2 Support channels are email (josmaitconsult@gmail.com) and any other channel specified by the Developer.
9.3 Support does not cover:
- Issues caused by Licensee modifications to the Software;
- Third-party infrastructure failures;
- Data loss caused by Licensee actions without backups;
- Training of new Users beyond initial onboarding;
- Custom feature requests outside the licensed modules.
9.4 Updates, patches, and new versions may be released from time to time.
9.5 Scheduled maintenance may temporarily interrupt service with advance notice where practicable.
Anti-Piracy and Enforcement
10.1 Piracy, unauthorized distribution, and license circumvention are serious violations of this Agreement and of Ghanaian copyright law.
10.2 The following acts constitute piracy:
- Distributing, uploading, or sharing the Software on any website, forum, torrent, cloud storage, or file-sharing platform;
- Selling or offering for sale copies of the Software to third parties;
- Using the Software beyond the licensed Tenant, Branch, or User count;
- Circumventing or attempting to circumvent subscription enforcement mechanisms;
- Removing or altering license validation, tenant identifiers, or subscription checks;
- Rebranding the Software for resale or public distribution;
- Extracting and redistributing the Source Code, database schema, or documentation;
- Assisting, encouraging, or facilitating any third party to commit any of the above.
10.3 The Licensee acknowledges that the Software contains forensic watermarking and hidden tracing identifiers.
10.4 Upon detection of piracy, Josmait Technology shall be entitled to:
- Immediate termination of the Licensee's license without refund;
- Disablement of every deployment associated with the Licensee;
- Public disclosure of the Licensee's identity and the nature of the violation;
- Recovery of all legal costs and reasonable investigative expenses;
- Pursuit of both civil and criminal remedies under the laws of the Republic of Ghana, including the Copyright Act, 2005 (Act 690).
10.5 Any breach of this Section causes Josmait Technology irreparable harm, entitling the Developer to seek injunctive relief.
10.6 Reports of piracy may be sent to josmaitconsult@gmail.com.
Warranty Disclaimer
11.1 The Software is provided “AS IS” and “AS AVAILABLE” without warranty of any kind.
11.2 Josmait Technology disclaims all warranties, including merchantability, fitness for a particular purpose, non-infringement, uninterrupted operation, compatibility, and accuracy of calculations.
11.3 The Licensee assumes full responsibility for verifying calculations, complying with tax law, maintaining backups, and training Users.
11.4 No advice from Josmait Technology shall create any warranty not expressly stated.
Limitation of Liability
12.1 To the maximum extent permitted by law, Josmait Technology's total cumulative liability shall not exceed the total subscription fees actually paid by the Licensee in the twelve (12) calendar months immediately preceding the claim.
12.2 In no event shall Josmait Technology be liable for loss of profit, loss of data, business interruption, reputational harm, third-party claims, or indirect, incidental, special, consequential, or punitive damages.
12.3 The Developer shall not be liable for failures caused by events beyond its reasonable control.
Indemnification
13.1 The Licensee agrees to indemnify, defend, and hold harmless Josmait Technology and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses arising out of the Licensee's use of the Software, breach of this Agreement, violation of law, or third-party claims.
Term and Termination
14.1 This Agreement remains in effect for as long as the Licensee maintains an active subscription.
14.2 Either party may terminate this Agreement:
- By written notice at least thirty (30) days before the end of the current subscription period;
- Immediately by Josmait Technology for material breach, including non-payment or piracy;
- Immediately by either party if the other becomes insolvent or ceases operations.
14.3 Upon termination, all licenses cease; the Licensee must cease all use of the Software and delete all copies. Outstanding fees become immediately payable. Sections 6, 7, 10, 11, 12, 13, and 15 survive termination.
14.4 The Developer will retain business data for ninety (90) days following termination, after which it may be permanently deleted.
Governing Law and Dispute Resolution
15.1 This Agreement shall be governed by the laws of the Republic of Ghana.
15.2 Disputes shall first be resolved through good-faith negotiation within thirty (30) days.
15.3 If negotiation fails, disputes shall be submitted to mediation in Ghana.
15.4 If mediation fails, disputes shall be resolved by binding arbitration under the Arbitration Act, 2010 (Act 798). The seat shall be Kumasi, Ghana.
15.5 Josmait Technology may seek urgent injunctive relief to prevent irreparable harm.
15.6 The Licensee submits to the exclusive jurisdiction of the courts of the Republic of Ghana.
General Provisions
16.1 Entire Agreement: This Agreement supersedes all prior agreements and understandings.
16.2 Amendment: Josmait Technology may amend this Agreement at any time.
16.3 Severability: Invalid provisions do not affect the remaining provisions.
16.4 Waiver: Failure to enforce a right shall not waive it.
16.5 Assignment: The Licensee may not assign this Agreement without written consent.
16.6 Notices: All notices shall be in writing to the addresses in the Preamble.
16.7 Force Majeure: Neither party is liable for delays from events beyond its control.
16.8 No Partnership: This Agreement does not create a partnership or agency.
16.9 Headings: Headings are for convenience only.
Acknowledgment and Acceptance
By installing, accessing, or using any part of the JosmaPOS Enterprise Edition platform, the Licensee acknowledges and agrees that:
- The Licensee has read and understood this entire Agreement;
- The Licensee accepts all terms, conditions, restrictions, and obligations herein;
- The Licensee understands that violation of the anti-piracy provisions may result in both civil and criminal liability;
- The Licensee consents to the collection and processing of data as described in Section 7;
- The Licensee agrees to be bound by the dispute resolution mechanism in Section 15;
- The Licensee waives any right to a jury trial or class-action lawsuit to the maximum extent permitted by law.
Acceptance & Signature
By signing below, the Licensee confirms acceptance of the JosmaPOS Enterprise Edition Master License Agreement in its entirety.
Contact
For all legal, licensing, billing, and piracy-related matters:
Email: josmaitconsult@gmail.com
Software: JosmaPOS Enterprise Edition (JPOS)