Terms of use

1. Purpose and applicable documents

These general terms of use (the "Terms") govern access to and use of the tresoria.ma website and the Tresoria application (app.tresoria.ma), published by Tresoria, a company being registered in Morocco, based in Casablanca ("Tresoria").

Use of the application requires taking out a subscription. The relationship between Tresoria and the customer is governed, in the following order of priority, by: the subscription contract signed in the application (plan, prices, billing frequency), these Terms, and the privacy policy, which forms part of them. Mere use of the tresoria.ma website, without a subscription, is governed only by sections 1, 15, 16, 20 and 22.

2. Definitions

• Customer: the business that takes out a subscription.
• Owner: the person who took out the subscription on behalf of the Customer and who administers it.
• User: any person to whom the Customer grants access to the application, with a role and permissions.
• Company: each legal entity of the Customer managed within the subscription.
• Customer Data: all data and all documents that the Customer and its Users record in or import into Tresoria, or that Tresoria receives for them (statements, transactions, invoices, third parties, documents).
• Service: all the functions of the application accessible according to the subscribed plan.

3. The Service

Tresoria helps the Customer manage its treasury. Depending on the plan and the modules subscribed, the Service makes it possible in particular to: monitor the treasury position and the treasury plan; import bank statements and receive transactions through connectors; categorise and reconcile transactions; track commitments, supplier and customer invoices, payment schedules, payments, cheques and bills of exchange; send reminders to customers and open a payment portal for them; receive notifications in the application, by e-mail or by WhatsApp; obtain suggestions produced by an artificial intelligence.

Tresoria develops the Service over time. A function marked as recent or in testing may change or be withdrawn.

4. Accounts and access

• The Owner creates the subscription and invites the Users; the Owner assigns them a role and permissions, and may withdraw them at any time.
• Each User has personal access. Their credentials are confidential: the User does not share them, and the Customer is answerable for the actions performed with its Users' access.
• The Customer notifies Tresoria without delay (contact@tresoria.ma) of any unauthorised use or any loss of credentials.
• Tresoria may require two-factor authentication, lock an account after several failed login attempts, and end an inactive session.

5. Subscription, billing and payment

• The subscription takes effect upon signature of the contract and is renewed by tacit renewal, according to the chosen billing frequency.
• Prices are those of the subscribed plan, expressed exclusive of taxes; VAT is added at the applicable rate.
• Usage beyond the Companies, Users and bank accounts included in the plan is invoiced each month, in arrears, at the plan's unit prices and pro rata to the days of usage, as specified in the contract.
• Invoices are payable by bank transfer, on their due date.
• In the event of late payment, Tresoria may, after a reminder that has remained unanswered, suspend access to the Service (section 17). Customer Data is kept during the suspension.
• A trial period may be offered; at its end, without a subscription, access is suspended and the data is kept.

6. Obligations of the Customer

• Enter and import accurate data, and check what the Service calculates or suggests before relying on it for a decision.
• Hold the rights and mandates necessary to import its statements and to give Tresoria access to its connectors (SFTP or API credentials for its servers or those of its bank).
• Comply with the law for the third-party data it records (suppliers, customers, beneficiaries, contacts), in particular Law No. 09-08: it informs these persons and responds to their requests; Tresoria helps it to do so.
• Use the Service in accordance with the law and these Terms: no unlawful content, no attempt to access other customers' data, no circumvention of limits or security measures, no sending of unsolicited messages.
• Remain solely responsible for the payments it issues or has executed, as well as for its accounting, tax and legal declarations and obligations.

7. Customer Data

Customer Data belongs to the Customer and remains accessible to it throughout the subscription. Tresoria processes it on behalf of the Customer, in accordance with its instructions and for the sole purpose of providing the Service, as described in the privacy policy.

The Owner may at any time request, from the application, a complete export of a Company's data; the archive is available for 7 days.

Tresoria does not sell Customer Data, does not use it for advertising and discloses it only to the service providers necessary for the Service, listed in the privacy policy.

8. Artificial intelligence

Certain functions rely on an artificial intelligence model from a service provider (reading statements and invoices, suggestions of categories, rules and reconciliations, detection of recurring payments). These results are suggestions: they may be incomplete or inaccurate, and the User checks them before validating them. Tresoria does not guarantee their accuracy and is not liable for a decision taken solely on their basis.

The plan sets an allowance for artificial intelligence usage; beyond it, credits may be purchased. The Customer may also use its own key with the provider; it then accepts that provider's terms and bears the cost.

9. Messages sent on behalf of the Customer (e-mail, Gmail, WhatsApp)

• The Service sends, at the Customer's request or according to its settings, e-mails to its own customers and suppliers (invoices, reminders, statements). The Customer chooses the recipients and the content, and is answerable for them. It writes only to persons with whom it has a business relationship, and honours any request to stop.
• The Customer may send through Tresoria's sending address, through its own mail server, or through its Gmail account. By connecting Gmail, it authorises Tresoria to send e-mails from that account, and only that; it may withdraw this authorisation at any time.
• WhatsApp notifications are addressed only to Users who have chosen them, from a Tresoria number. Each User may stop them at any time ("STOP", or from their profile). Their use complies with the WhatsApp Business messaging policy and Meta's terms.
• Tresoria may suspend a sending method in the event of abuse, complaints from recipients or a request from the messaging provider.

10. Payment portal for the Customer's customers

The Customer may open a portal for its own customers to view their invoices and statements, upload a proof of payment or propose a date. The Customer decides on access to it and is answerable for its use. The Customer's customers log in to it with a one-time code sent by e-mail.

11. Connectors

A Customer that activates a connector entrusts Tresoria with the necessary credentials, which are stored encrypted. Tresoria uses them solely to retrieve or deliver the files provided for by the connector. The Customer warrants that it is authorised to grant this access and notifies Tresoria of any change. Tresoria is not liable for any unavailability or error of the servers of the Customer or of its bank.

12. Support and access by Tresoria staff

The Customer may report a problem from the application or write to contact@tresoria.ma. To assist the Customer, a member of Tresoria staff may request access to its workspace: this access is opened only after the agreement of the Owner or of an administrator, for a limited period, and each action is recorded. To handle an incident, Tresoria's founders may access a customer's workspace without prior agreement; each access is recorded. Staff are bound by confidentiality.

13. Availability, maintenance and backups

Tresoria implements reasonable means so that the Service is continuously available, without guaranteeing uninterrupted availability. Maintenance operations may interrupt it briefly; Tresoria endeavours to announce them and to carry them out during off-peak hours.

The database is backed up every night; backups are encrypted, kept for 14 days and hosted in Morocco. Unless otherwise provided in the contract, no quantified service level is guaranteed.

14. Security

Tresoria protects the Service and Customer Data through the measures described in its privacy policy. The Customer protects its access and its workstations. Each party informs the other without delay of any security incident that concerns it.

15. Intellectual property

The software, the application, the website, the Tresoria trademark, the logos and the content are the property of Tresoria. During the subscription, Tresoria grants the Customer a personal, non-exclusive and non-transferable right to use the Service for its internal needs. Any reproduction, resale or decompilation is prohibited. Customer Data remains the Customer's property (section 7).

16. Liability

• Tresoria is bound by an obligation of means.
• The balances, forecasts, indicators and suggestions of the Service are decision-support aids; they depend on the data provided by the Customer and replace neither the Customer's own verification nor the advice of its advisers.
• Tresoria is not liable for indirect damages (loss of revenue, customers or opportunity), nor for the consequences of inaccurate data provided by the Customer, of the unavailability of a third-party service (bank, messaging, artificial intelligence provider) or of use not in accordance with these Terms.
• Except in the case of gross or intentional misconduct, Tresoria's total liability is limited to the sums paid by the Customer for the Service during the twelve months preceding the event giving rise to that liability.
• The information published on the tresoria.ma website (figures, examples, projections) is indicative.

17. Suspension

Tresoria may suspend all or part of the access to the Service in the event of non-payment after a reminder, of use contrary to the law or to these Terms, or of a risk to the security of the Service or of other customers. Except in an emergency, the Customer is notified in advance. Customer Data is kept during the suspension, and access is restored as soon as the cause has ceased.

18. Termination and end of the subscription

• Each party may end the subscription at its expiry date, by notifying the other party in writing (including by e-mail) before that expiry date, in accordance with the notice period provided for in the contract.
• In the event of a serious breach by one party that is not remedied within 30 days of a formal notice, the other party may terminate the subscription.
• At the end of the subscription, the usage due up to the end date is invoiced; sums that have fallen due remain payable.
• The Owner may export the data before the end. The Owner may request the closure of the account from the application: after acceptance, Customer Data is erased 30 days later, except for what the law requires to be kept (subscription billing, audit log), as described in the privacy policy.

19. Confidentiality

Each party keeps confidential the information of the other party of which it becomes aware in connection with the subscription, during the subscription and for 5 years after its end, unless required by law to disclose it.

20. Changes to the Terms

Tresoria may amend these Terms. The version in force is published on this page, with its date. Any amendment that affects the rights or obligations of the Customer is announced to the Customer at least 30 days before it takes effect; if the Customer refuses it, the Customer may terminate the subscription before that date, at no cost.

21. Force majeure

Neither party is liable for a delay or failure to perform due to an event of force majeure within the meaning of Moroccan law. If the event lasts more than 60 days, either party may terminate the subscription.

22. Governing law and disputes

These Terms are governed by Moroccan law. The parties first seek an amicable solution. Failing that, any dispute falls within the jurisdiction of the competent courts of Casablanca.

Contact: contact@tresoria.ma.