Terms of service

These terms will cover your use of Salary Muse: the website at salarymuse.com, the free calculators and the workspaces we set up for companies.

1. Who we are

Salary Muse is provided by [to confirm: the legal entity, its registration number and registered address in Ghana].

2. What Salary Muse does

• It works out payroll for companies that employ people in Ghana: PAYE, SSNIT, Tier 2 and Tier 3, payslips, and the GRA and SSNIT files that follow from approved payroll.
• It prepares returns and payment files. You upload the returns on the GRA and SSNIT portals and pay staff from your own bank or mobile money account. Salary Muse never holds your money.
• The free calculators on this website are a guide, not tax advice.

3. Your account and your workspace

• Each company gets its own workspace, at its own address, with its own database.
• The person who creates the workspace looks after who else may use it, and keeps their login details safe.
• [to confirm: who may sign up on a company's behalf, and age or capacity requirements]

4. What you are responsible for

• The details you enter: employees, pay, bank and mobile money accounts.
• Checking each payroll before it is approved, and filing and paying GRA and SSNIT on time.
• Having your employees' agreement where the law needs it, for example before sending payslips by WhatsApp.
• [to confirm: acceptable use]

5. The free tier, the trial and paying

• Companies with up to 5 employees and 2 users use Salary Muse free. Larger companies get a free trial of 3 days, with no card needed.
• After the trial, a company pays the package that fits its size, in advance, for the period it chooses (monthly, or several months at once). Each period is invoiced in cedis by email, with a link to pay by mobile money or card through Paystack.
• Text messages (SMS) use messaging credits bought separately.
• If an invoice stays unpaid, section 6 says what happens and when.
• [to confirm: prices, refunds and cancellation]

6. If you stop paying

Nothing is taken away without warning. If an invoice stays unpaid, these are the steps, each emailed to the person who created the workspace. Paying what is due at any step before the last puts everything back as it was.

1. Overdue. From the day after the invoice's due date. Everything still works, and we remind you by email.
2. Read-only, 14 days after the due date. Everyone can still sign in, view and download everything, payslips and returns included. Nothing can be added or changed.
3. Archived, after 30 days read-only. We take a full backup and take the workspace offline: nobody can sign in, and billing stops. Nothing is deleted. We email you 14, 7 and 1 days before.
4. Deleted, no sooner than 90 days after it was archived. From then we may delete the workspace and every backup we hold of it, for good. This can't be undone. We email you 30, 7 and 1 days before, and a person at Salary Muse checks each workspace before deleting it.

So a workspace is never deleted sooner than 134 days after the invoice was due.

Until it is deleted, the person who created the workspace can ask us for a copy of its records, free: we send an export, or open the workspace read-only for a short while so you can download it. Write to us from the address the workspace was registered with.

Your company, as the employer, keeps its own payroll and tax records, in Ghana usually for at least six years (Revenue Administration Act, 2016, Act 915, section 27). Download your returns, payslips and registers as you go, and before you stop using Salary Muse.

[to confirm with counsel: these periods, the export, and what remains owed once a workspace is deleted]

7. Your data

• The data in your workspace is yours. Reports and returns download to Excel or CSV at any time.
• How we look after personal data, and how long we keep it, is in our privacy policy.
• When a company stops paying, section 6 applies.

8. Availability, support and changes

[to confirm: service availability, support hours and how we tell you about changes to the service or to these terms]

9. Liability

[to be written with counsel]

10. The law that applies

[to confirm: the laws of Ghana and where disputes are settled]

11. Contact

Write to [email protected].