TERMS OF SERVICE

1. Agreement to Terms

By accessing or using Fisco ("the Service", "Platform", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

Fisco is a business operations management platform operated by [Your Company Name] ("Company", "we", "us").

2. Eligibility and Account Registration

2.1 Eligibility

You must be at least 18 years old and capable of forming a binding contract to use Fisco. By using the Service, you represent and warrant that you meet these requirements.

2.2 Account Creation

• You must provide accurate, complete, and current information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized access or security breach
• You may not share your account credentials with others

2.3 Business Accounts

• Business accounts must be registered with legitimate business information
• You must have authority to bind the business entity you represent
• One business may have multiple user accounts with different access levels

3. Acceptable Use

3.1 Permitted Use

You may use Fisco for:

• Managing your business operations
• Processing sales and orders
• Tracking inventory and customers
• Generating invoices and financial reports
• Lawful business purposes

3.2 Prohibited Use

You may NOT use Fisco for:

• Illegal activities or purposes
• Infringing intellectual property rights
• Transmitting malware, viruses, or harmful code
• Attempting to breach security or access unauthorized data
• Harassing, abusing, or harming others
• Impersonating others or providing false information
• Reverse engineering or copying the Service
• Automated data scraping or collection without permission
• Reselling or sublicensing the Service without authorization

4. Service Description and Modifications

4.1 Service Features

Fisco provides:

• User authentication and management
• Sales recording and transaction processing
• Customer relationship management
• Inventory tracking and management
• Order processing and fulfillment
• Invoicing and receipt generation
• Financial reporting and ledger management
• Real-time notifications and updates

4.2 Service Modifications

• We reserve the right to modify, suspend, or discontinue any part of the Service
• We will provide reasonable notice for material changes
• Continued use after changes constitutes acceptance of modified terms
• We are not liable for any modifications, suspensions, or discontinuations

4.3 Service Availability

• We strive for 99.9% uptime but do not guarantee uninterrupted access
• Scheduled maintenance will be announced in advance when possible
• We are not liable for service interruptions or data loss

5. Data and Content

5.1 Your Data

• You retain all rights to data you input into Fisco
• You grant us a license to use your data solely to provide the Service
• You are responsible for the accuracy and legality of your data
• You must comply with all applicable data protection laws

5.2 Data Backup

• We perform regular backups but recommend you maintain your own backups
• We are not liable for data loss, though we will make reasonable efforts to recover data
• You can export your data at any time through the Service

5.3 Data Security

• We implement industry-standard security measures
• We encrypt data in transit (TLS 1.3) and at rest (AES-256)
• We cannot guarantee absolute security
• You must report security vulnerabilities to us immediately

6. Payment and Fees

6.1 Pricing

• Current pricing is available on our website
• Prices may change with 30 days notice to existing customers
• You will be charged based on your selected subscription plan

6.2 Payment Terms

• Payment is due in advance for subscription periods
• You authorize us to charge your payment method automatically
• Failed payments may result in service suspension
• You are responsible for all applicable taxes

6.3 Refunds

• Refunds are provided at our discretion
• No refunds for partial subscription periods
• Refund requests must be submitted within 30 days of charge

6.4 Free Trials

• Free trials are subject to limitations
• We may require payment information for free trials
• Trials convert to paid subscriptions unless cancelled
• One free trial per business

7. Intellectual Property

7.1 Our Rights

• Fisco and all related trademarks, logos, and content are our property
• You may not use our intellectual property without written permission
• We grant you a limited, non-exclusive, non-transferable license to use the Service

7.2 Your Rights

• You retain ownership of your business data and content
• You grant us permission to use your logo/branding within the Service
• Feedback and suggestions you provide become our property

8. Third-Party Services

8.1 Integrations

• Fisco may integrate with third-party services (AWS, payment processors, etc.)
• Third-party services have their own terms and privacy policies
• We are not responsible for third-party service failures or breaches

8.2 Links

• We may provide links to third-party websites
• We do not endorse or control third-party content
• You access third-party sites at your own risk

9. Termination

9.1 Termination by You

• You may cancel your account at any time through account settings
• Cancellation takes effect at the end of the current billing period
• You remain liable for all charges incurred before cancellation

9.2 Termination by Us

We may suspend or terminate your account if you:

• Violate these Terms
• Fail to pay fees
• Engage in fraudulent or illegal activities
• Pose a security risk to the Service

9.3 Effect of Termination

• You lose access to the Service immediately
• We may delete your data after 30 days
• You must export your data before termination
• Fees paid are non-refundable upon termination
• Provisions that should survive termination will remain in effect

10. Warranties and Disclaimers

10.1 Service Warranty

• We warrant that the Service will substantially conform to its description
• We do not warrant uninterrupted, error-free, or secure operation
• We disclaim all other warranties, express or implied

10.2 DISCLAIMER

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT DEFECTS WILL BE CORRECTED.

11. Limitation of Liability

11.1 Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIMS RELATED TO THE SERVICE IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE.

11.2 Excluded Damages

WE ARE NOT LIABLE FOR:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOST PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
• SERVICE INTERRUPTIONS OR DATA LOSS
• THIRD-PARTY ACTIONS OR CONTENT

11.3 Exceptions

Some jurisdictions do not allow limitations on liability. In such cases, our liability is limited to the maximum extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Fisco, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of others
• Your data or content

13. Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of [Your Jurisdiction], without regard to conflict of law provisions.

13.2 Arbitration

Any disputes will be resolved through binding arbitration rather than in court, except:

• Small claims court cases
• Injunctive relief requests
• Intellectual property disputes

13.3 Class Action Waiver

You agree to resolve disputes individually, not as part of a class action or consolidated proceeding.

14. General Provisions

14.1 Entire Agreement

These Terms constitute the entire agreement between you and Fisco regarding the Service.

14.2 Modifications

We may modify these Terms at any time. Material changes will be notified via email or Service notification. Continued use constitutes acceptance.

14.3 Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

14.4 Waiver

Failure to enforce any provision does not waive our right to enforce it later.

14.5 Assignment

You may not assign these Terms without our consent. We may assign them freely.

14.6 Force Majeure

We are not liable for failures due to circumstances beyond our reasonable control.

15. Contact Information

For questions about these Terms, contact us at:

• Email: legal@thecodecafe.co
• Address: 1, Tunde Idiagbon, GRA, Ilorin, Nigeria.
• Support: Fisco@thecodecafe.co