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Lista Bookkeeping App, Inc. operates a web/mobile application, “Lista” (the “App”) available on Google Play
Store, iOS and other similar platforms and also operates a website (the “Website”). The App and the Website shall be together referred to as the “Platform”. These terms and conditions (“Terms”) govern the use of or access to the Platform and the Services (as defined below).
By using the Services, you agree that you have read, understood, and are bound by these Terms, and that you comply with the requirements listed herein. If you do not agree to all of these Terms or comply with the requirements herein, please do not access the Platform or use the Services.


Lista reserves the right at any time to modify these Terms by posting the new/updated version, and to add new or additional terms or conditions on use of the Services. Such modifications and additional terms and conditions will be communicated to you, and unless expressly rejected (in which these Terms shall terminate), will be effective immediately and will be incorporated into these Terms. Your continued use and/or non- deletion of the Platform shall indicate your agreement to such changes. In the event you refuse to accept such changes, these Terms will terminate.

Accordingly, we encourage you to kindly continue to review the Terms whenever accessing or using the Platform so as to be abreast with the changes that we may be carrying out to these Terms.


These Terms constitute a binding and enforceable legal contract between Lista and a User (as defined below) or any end user of the Services (collectively, “you”). You represent and warrant that you (a) have full legal capacity and authority to agree and bind yourself to these Terms, and (b) are 18 (eighteen) years of age or older. If you represent an entity, organization, or any other legal person, you confirm and represent that you have the necessary power and authority to bind such entity, organization, or legal person to these Terms.


These Terms also include our Privacy Policy, available at (“Privacy Policy”) and any internal guidelines, supplementary terms, policies, or disclaimers made available or issued by us from time to time. By continuing to access or use the Platform or any Service on the Platform, and by clicking on the tick box, you signify your acceptance of the Terms.

Pursuant to the Outsourcing Agreement, the User, upon securing the consent of its customers, will share, provide, or disclose to Lista personal and sensitive personal information, in its possession and control, of its Customers for the purpose of processing an online digital ledger book/record book and payment links/reminders.

The Platform, currently for free, (i) provides an online digital ledger book/record book wherein the users (“Users”), can record their ledger entries with their respective customers; and (ii) also allows Users to generate a payment link which can be sent to their respective customers, and the customers could use the payment link and make the payment to the Users in settlement of their obligations towards the Users (collectively, “Services”).
For the purposes of this clause, Services would include any other future services Lista provides/proposes to provide.


  1. To avail the Services, a User would be required to create a profile/sign-up on the Platform (“Profile”) using his/her email ID and contact number, among other details. In addition to setting up username and password to create the Profile, the User will be required to furnish certain details, including but not limited to contact numbers and details of its customers.

  2. The User warrants that all information furnished in connection with its Profile are obtained with the consent of its customers, and shall remain accurate and true in all respects.

  3. The User further agrees and undertakes to promptly update its details on the Platform in the event of any change or modification of such details.

  4. The User is solely responsible for maintaining the security and confidentiality of its username and password, and agrees to immediately notify Lista in writing, at, of any disclosure or unauthorized use of its Profile or any other breach of security with respect to its Profile.

  5. The User expressly agrees to be liable and accountable for all activities that take place through its Profile in furtherance of the use of Service or otherwise.

  6. Lista expressly excludes any liability for any unauthorized access to a User’s Profile.

  7. The User agrees to receive communications from Lista regarding: (i) information relating to transactions recorded on the Platform; (ii) requests for payment; (iii) information about Lista and the Services; (iv) promotional offers and services from Lista and its third party partners, and (v) any other matter in relation to the Services.

  8. Lista explicitly disclaims liability for any and all losses and damages arising from your failure to comply with this section.


  1. Lista may require Users to upload certain information and documents that may be necessary to ascertain their eligibility to use certain features of the Services including but not limited to their identification documents and biometric data (“KYC Documents”).

  2. The User hereby authorizes Lista and any third-party service provider it may engage with or interact with in connection with using the Platform to process KYC Documents and ascertain the User’s eligibility. Any processing undertaken by Lista shall be in accordance with its Privacy Policy and these Terms. It is hereby clarified that as far as the permission of the KYC Documents by a third-party service provider is concerned, the same shall be governed by the privacy policy of such third party service provider.

  3. The User agrees that it may be required to submit additional documents as and when required by Lista or any of its third party service providers and if, in such an event, any additional information, data, or documentation is required (collectively, “Top-Up Documents”), the User hereby agrees to share such Top-Up Documents promptly upon request, and further, authorizes Lista to process such Top-Up Documents.

  4. The User agrees and warrants to provide valid, true, complete, and up-to-date KYC Documents and Top-Up Documents. The User further acknowledges that any incorrect or misleading information provided shall constitute a material breach of these Terms, and the User’s access to certain features of the Services may be limited or denied in such event.

  5. The list of the KYC Documents and Top-Up Documents may be provided to the User at the time of creating the Profile/signing-up or at a later stage.


  1. The Users may upload information relating to transactions with their customers or relating to their businesses, including the sale of goods or services, costs, amounts paid and payable, and details of goods and services, on the Platform (such information is referred to as “Transaction Information”). Transaction Information may be exchanged between the Users and their customers through telephonic calls, text message, WhatsApp, email, or other electronic mediums that would depend on the contact details of Users and their customers provided on the Platform.

  2. At the time of creating or uploading the first Transaction Information with respect to their customers, the User warrants that it shall inform such customers of its use of the Platform to record such Transaction Information to future transactions. In addition to the consent obtained upon accessing the Platform, the User, by clicking the tick box, warrants that it has actually obtained its customer’s consent to:​​

    • (a) The creation of a profile of the customer on the Platform, which will require sharing such customer’s personal information and sensitive personal information, such as, but not limited to, phone number and contact details with Lista;

    • (b) receive communications from Lista regarding: (A) information relating to their transactions recorded on the Platform; (B) requests for payment; (C) information about Lista and the Services; (D) promotional offers and services from Lista and its third party partners, and (E) any other matter in relation to the Services;

    • (c) use the app’s Optical Character Recognition Reader (OCR) to gather data from the Users’ receipts. Data extracted from the receipts include, among others, expense item, expense amount, transaction date, and type of expense;

    • (d) Use the app’s SMS Parsing functionality which shall scan the Users’ text messages (SMS) and extract data particularly for automatic tracking of Money In Money Out transactions. Data collected includes, among others, expense amount, expense category, transaction date, merchant name, and bank name. The SMS Parsing functionality scans the SMS of providers of services and/or products including but not limited to Credit or Debit Card Issuing Institutes, Banks, mobile carriers, utility companies & retail outlets. Lista assures its Users that there are no personal SMS read and scanned by the SMS Parsing functionality.

  3. If such customers fail to provide consent, or withdraw consent, the User shall immediately cease to use the Services in relation to such customers.

  4. The User shall be solely responsible for obtaining such consent from its customers, and Lista shall assume that such consent, previously required, is sought and received by the User upon the User’s provision of details of such Transaction Information relating to any of such customers at any time during the use of the Platform.



  1. The Services may include services, content, documents, and information owned by, licensed to, or otherwise made available by a third party (“Third Party Services”) or contain links to Third Party Services. Users understand that Third Party Services are the responsibility of the third party that created or provided it and acknowledge that use of such Third-Party Services is solely at their own risk.

  2. Lista makes no representations and hereby expressly excludes all warranties and liabilities arising out of or pertaining to such Third-Party Services, including their accuracy or completeness. Further, all intellectual property rights in and to Third Party Services are the property of the respective third parties.

  3. Lista may enable payments in the future via payment service providers (“PSP”) partners and the User should take care not to share his personal pin or OTP with any third party intentionally or unintentionally. Lista never solicits information such as OTP over a call or otherwise. Lista shall not be liable for any fraud due to the sharing of such details by the User. The providers providing Third Party Services/PSP partners shall not be liable for any fraud due to sharing of such details by the User. If any of such fraudulent transactions occur and where the User shares his debit/credit card, Lista may share relevant information of such transaction if the victim approaches Lista via proper channels including customer support number and


The User hereby represents and warrants that all information that is provided by the User through or in relation to the Services is valid, complete, true, and correct on the date of agreeing to these Terms and shall continue to be valid, complete, true, and correct throughout the duration of the User’s use of the Platform. Lista does not accept any responsibility or liability for any loss or damage the User may suffer or incur if any information, documentation, material, or data provided to avail the Services is incorrect, incomplete, inaccurate, or misleading, or if the User fails to disclose any material fact.


  1. The User shall be solely responsible for ensuring compliance with applicable laws and shall be solely liable for any liability that may arise due to a breach of its obligations in this regard.

  2. The User shall extend all cooperation to Lista in its defending of any proceedings that may be initiated against it due to a breach of the User’s obligations or covenants under these Terms.

  3. While Lista uses commercially reasonable efforts to provide Users with a daily backup of their Transaction Information, Users should regularly and independently save, backup, and archive such Transaction Information.

  4. The User shall not use the Services in any manner except as expressly permitted in these Terms. Without limiting the generality of the preceding sentence, the User may not:

    • (a) ​Infringe either directly or indirectly any third-party proprietary rights, including but not limited to copyrights, patents, trademarks, or trade secrets, of any party;

    • (b) except as may be provided hereunder, use in any manner including copying, displaying, distributing, modifying, publishing, reproducing, storing, transmitting, posting, translating, creating any derivative works from, or license the Services;

    • (c) use the Services to transmit any data or send or upload any material that contains viruses, trojan horses or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware;

    • (d) use any robot, spider, other automated device, or manual process to monitor or copy the Platform or Services or any portion thereof;

    • (e) use the Services in furtherance of / to engage in any activity which may be grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner; or unlawfully threatening or unlawfully harassing its customers; -;

    • (f) engage in the systematic retrieval of content from the Platform or Services to create or compile, directly or indirectly, a collection, compilation, database or directory; or

    • (g) violate applicable laws in any manner.

  5. Users who are expected to conduct proper research to ensure that the goods and services they send payment links for are in compliance with all applicable laws and we encourage users to cross-check before generating payment link for prohibited content may result in the suspension or removal of user’s account.

  6. The User shall not use the Services for / in furtherance of any sale or supply of prohibited products or services including but not limited to:

    • (a) sale of regulated goods;​

    • (b) sale of counterfeit, replicas and pirated goods and goods infringing any intellectual property rights including pirated recordings or copies of unauthorized copyrighted materials whether in electronic or physical form or any other medium which may not be in existence at present;sale of tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products;

    • (c) sale of liquor or any narcotic drugs and psychotropic substances;

    • (d) sale / supply of any good or service which may not be in public interest;

    • (e) gambling or other prohibited activities; and

    • (f) sale / supply of good or service which results in non-compliance of any

      applicable law.

  7. ​Any taxes due on the transactions of Users shall be for their account. Lista is providing free service to help Users with their transactions, but Users are wholly responsible for any consequences arising from such.​​​



  1. All rights, title, and interest in and to the Platform and Services, including all intellectual property rights arising out of the Platform and Services, are owned by or otherwise lawfully licensed by Lista. Subject to compliance with these Terms, Lista grants the User a non-exclusive, non-transferable, non-sub licensable, royalty-free, revocable, and limited license to use the Platform and Services in accordance with these Terms and its written instructions issued from time to time.

  2. The User should assume that everything the User sees or reads on the Platform is protected under the Philippines Law, and other intellectual property laws of Philippines and may not be used except with the prior written permission of Lista.

  3. Lista may freely use, copy, disclose, publish, display, distribute without any payment of royalty, acknowledgement, prior consent, or any other form of restriction arising out of the User’s intellectual property rights.

  4. Except as stated in these Terms, nothing in these Terms should be construed as conferring any right in or license to Lista’s or any third party’s intellectual rights.

  5. The contents of this Platform, including but not limited to the text and images herein and their arrangements, unless otherwise noted, are copyright-protected in the whole and every part of this Platform and the same belongs to Lista and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or in or on any media to any person without the prior written consent of Lista.



  1. These Terms shall remain in effect unless terminated in accordance with the terms hereunder.

  2. Lista may terminate a User’s access to or use of the Services, or any portion thereof, immediately and at any point, at its sole discretion, if the User violates or breaches any of its obligations, responsibilities, or covenants under these Terms.

  3.  Upon termination these Terms shall terminate, except for those clauses that expressly or are intended to survive termination or expiry.

  4. Notwithstanding anything to the contrary contained in the Terms, upon termination of a User’s access to or use of the Services, all amounts or outstanding monies due by you in relation to your use of or access to the Services shall become immediately payable.



  1. The use oft he Services is at your sole risk.

  2. Lista shall not be liable, unless proven to be guilty of fraud or gross negligence, for any errors in its Services (e.g., errors in the entries on the online digital ledger book/record book, and errors in the payment links) due to wrong or outdated information provided by the User.

  3. You acknowledge and agree that Lista is not engaged in the provision, grant, or disbursement of any financial product. Lista is not and will not be responsible for any claim or for any damages suffered, whether by the Users, the customers of the Users or any other person or party, that are related, directly or indirectly, to or arise out of the same including any payments made by the User or by the customers of the User using the payment link generated using the Platform. The User further agrees and undertakes to retain proof of sale documentation (in electronic or physical form) in connection with each payment link it generates or sends to customers.

  4. To the extent permitted by applicable law, the Services are provided on an “as is” and “as available” basis. Lista does not warrant that operation of the Services will be uninterrupted or error free or that the functions contained in the Services will meet your requirements.

  5. To the fullest extent permissible under applicable law, Lista expressly disclaims all warranties of any kind, express or implied, arising out of the Services, including warranties of merchantability, fitness for a particular purpose, satisfactory quality, accuracy, title and non-infringement, compatibility, applicability, usability, appropriateness, and any warranty that may arise out of course of performance, course of dealing, or usage of trade.

  6. You hereby accept full responsibility for any consequences that may arise from your use of the Services, and expressly agree and acknowledge that Lista shall have absolutely no liability with respect to the same.

  7. To the fullest extent permissible by law, Lista, its affiliates, and its related parties each disclaim all liability to you for any loss or damage arising out of or due to:

    • (a) your use of, inability to use, or availability or unavailability of the Services,

      including any Third Party Services;

    • (b) the occurrence or existence of any defect, interruption, or delays in the

      operation or transmission of information to, from, or through the Services, communications failure, theft, destruction or unauthorized access to Lista’s records, programs, services, server, or other infrastructure relating to the Services; or

    • (c) the failure of the Services to remain operational for any period of time.

  8. Notwithstanding anything to the contrary contained herein, neither Lista nor any of its affiliates or related parties shall have any liability to you or any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under, directly or indirectly, or relating, in any manner whatsoever, to these Terms or the Services. To the maximum extent permitted by law, you agree to waive, release, discharge, and hold harmless Lista, its affiliated and subsidiary companies, its parent companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages,liabilities, expenses and causes of action arising out of the Services.

  9. Lista currently is not a payment aggregator or payment gateway-it is enabling payments for its users via third-party payments service providers. Any charges levied by Lista for usage are service charges. In case you need an invoice for thecharges levied please email to


You shall indemnify, defend at Lista’s option, and hold Lista, its parent companies, subsidiaries, affiliates, and their officers, associates successors, assigns, licensors, employees, directors, agents, and representatives, harmless from and against any claim, demand, lawsuits, judicial proceeding, losses, liabilities, damages and costs (including, without limitation, from all damages, liabilities, settlements, costs and attorneys’ fees) due to or arising out of your access to the Services, use of the Services, violation of these Terms, any and all applicable laws, rules or regulations, or any infringement by any third party who may use your account with Lista, of these Terms, any and all applicable laws, rules or regulations.



  1. You agree that Lista and any third-party service providers it engages, may, in accordance with its Privacy Policy, collect and use your information and technical data and related information.

  2. Lista may use information and data pertaining to your use of the Services for analytics, trends’ identification, and purposes of statistics to further enhance the effectiveness and efficiency of the Platform.

  3. Subject to applicable laws, Lista may be directed by law enforcement agencies or the government and related bodies to disclose data in relation to Users in connection with criminal proceedings. You understand and agree that in such instances, Lista shall have the right to share such data with relevant agencies or bodies.


You shall maintain the records of all payment transactions on the Platform independently of the Platform (by way physical copies, etc.) and Lista reserves the right to seek copies of such records for their own use including record keeping.


Lista reserves the right to charge convenience fee for the Services and non-payment may result in denial of Services.


Lista reserves the right at any time to add, modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without cause. Lista shall not be liable for any such addition, modification, suspension or discontinuation of the Services.


These Terms shall be governed by and construed and enforced in accordance with the laws of Philippines. Subject to other provisions in this Clause, courts in Makati City shall have exclusive jurisdiction over all issues arising out of these Terms or the use of the Services.



  1. Severability - If any provision of these Terms is determined by any court or other competent authority to be unlawful or unenforceable, the other provisions of these Terms will continue in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect (unless that would contradict the clear intention of the clause, in which case the entirety of the relevant provision will be deemed to be deleted).

  2. Non-waiver of Rights - Failure, omission, or delay on the part of Lista to exercise its rights under these Terms, or any offer of compromise made, shall not be construed as a waiver of its rights, unless the same is expressly indicated in writing. Lista reserves all rights to pursue all legal or judicial remedies to pursue its claims and enforce its rights.

  3. Assignment - You shall not license, sell, transfer or assign your rights, obligations, or covenants under these Terms in any manner without Lista’s prior written consent. Lista may grant or withhold this consent in its sole discretion and subject to any conditions it deems appropriate. Lista may assign its rights to any of its affiliates, subsidiaries, or parent companies, or to any successor in interest of any business associated with the Services without any prior notice to you.

  4. Notices - All notices, requests, demands, and determinations for Lista under these Terms (other than routine operational communications) shall be sent to

  5. Third Party Rights - No third party shall have any rights to enforce any terms contained herein.

  6. Translations - Lista may provide you with translated versions of these Terms solely to assist you with understanding these Terms in greater detail. The English version of these Terms shall be controlling in all respects. In the event of any inconsistency between the English version of these Terms and any translated version, the terms of the English version shall prevail.

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