Effective Date: 10th of January 2026 By accessing or using CraftLedgerFlow, you agree to the following Terms and Conditions. 1. Use of the Platform CraftLedgerFlow is provided to help businesses manage accounting and financial records. You agree to use the platform only for lawful business purposes. You are responsible for the accuracy of the data you enter. 2. Account Responsibility You must provide accurate registration information. You are responsible for all activity under your account. You must not share login credentials without authorization. 3. Subscription & Payments Some features require a paid subscription. Subscription fees are billed according to your selected plan. Payments are non-refundable unless otherwise stated. CraftLedgerFlow reserves the right to modify pricing with prior notice. 4. Data Ownership You retain ownership of all business and financial data entered into the platform. CraftLedgerFlow does not claim ownership of your data and will not use it outside platform operations. 5. Availability & Maintenance We aim to provide reliable service but do not guarantee uninterrupted access. Maintenance, updates, or unforeseen issues may cause temporary downtime. 6. Limitation of Liability CraftLedgerFlow is provided “as is.” We are not liable for business losses, financial decisions made based on platform data, or errors caused by incorrect user input. Users are advised to consult professional accountants or advisors where necessary. 7. Termination We reserve the right to suspend or terminate accounts that violate these terms, engage in misuse or illegal activity, or compromise platform security. You may terminate your account at any time. 8. Changes to Terms We may update these Terms and Conditions periodically. Continued use of the platform constitutes acceptance of updated terms. 9. Governing Law These terms are governed by applicable laws of the operating jurisdiction of CraftLedgerFlow. 10. Contact For questions regarding these Terms: swiftdigitalinternational08@gmail.com