Terms of Use

1. Acceptance of Terms

These Terms of Use (“Terms”) govern your access to and use of the SMFlow.ai website, platform, software, APIs, and related services (“Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must discontinue use immediately.

2. Description of Service

SMFlow.ai provides cloud‑based software tools, automation workflows, and AI‑powered analytics designed to support internal business operations. The Services may include data processing, workflow automation, reporting, and other productivity features.

SMFlow.ai does not provide financial, legal, compliance, investment, or credit decisioning advice.

3. Eligibility

You must be at least 18 years old and have the legal authority to enter into these Terms. If you are using the Services on behalf of an organization, you represent that you are authorized to bind that organization.

4. Account Registration

You may be required to create an account to access certain features. You agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your credentials
• Notify SMFlow.ai immediately of unauthorized access

You are responsible for all activity occurring under your account.

5. License to Use the Services

SMFlow.ai grants you a limited, non‑exclusive, non‑transferable, revocable license to access and use the Services for your internal business purposes.

You may not:

• Reverse engineer, decompile, or attempt to extract source code
• Use the Services to build competing products
• Interfere with or disrupt the platform
• Use the Services for unlawful, harmful, or fraudulent activities

6. User Responsibilities

You agree that you will:

• Use the Services in compliance with all applicable laws and regulations
• Ensure that any data you upload is accurate, lawful, and properly authorized
• Not use the Services to process regulated data unless permitted by law

You are solely responsible for decisions made using outputs generated by the Services.

7. No Professional Advice

8. Data Privacy & Security

SMFlow.ai implements commercially reasonable safeguards to protect user data. However:

• No system is completely secure
• Transmission of data over the internet carries inherent risks
• SMFlow.ai cannot guarantee absolute security

Your use of the Services is at your own risk.

9. Third‑Party Services

The Services may integrate with third‑party APIs, data providers, or cloud platforms. SMFlow.ai is not responsible for:

• The availability or performance of third‑party services
• The accuracy of third‑party data
• Any damages arising from third‑party integrations

Your use of third‑party services is governed by their respective terms.

10. Service Modifications & Availability

SMFlow.ai may modify, update, suspend, or discontinue any part of the Services at any time. We may also perform maintenance that temporarily affects availability. SMFlow.ai is not liable for downtime, interruptions, or loss of access.

11. Intellectual Property

All content, software, models, trademarks, and materials provided through the Services are the exclusive property of SMFlow.ai or its licensors. You may not copy, modify, distribute, or create derivative works without written permission.

12. User Content

By uploading or submitting content to the Services, you grant SMFlow.ai a non‑exclusive, worldwide license to:

• Host, store, process, and display the content
• Use the content to operate, maintain, and improve the Services

You represent that you have all necessary rights to upload such content.

13. Prohibited Activities

You may not use the Services to:

• Violate any law or regulation
• Engage in fraud, deception, or unauthorized data collection
• Attempt to bypass security controls
• Upload malicious code
• Interfere with platform operations

SMFlow.ai may suspend or terminate accounts engaged in prohibited activities.

14. Indemnification

You agree to indemnify and hold harmless SMFlow.ai, its officers, employees, and affiliates from any claims, damages, liabilities, or expenses arising from: your use or misuse of the Services, your violation of these Terms, your violation of applicable laws, or your reliance on outputs generated by the Services.

15. Disclaimers

The Services are provided “as is” and “as available” without warranties of any kind, express or implied.

SMFlow.ai disclaims all warranties, including:

• Merchantability
• Fitness for a particular purpose
• Non‑infringement
• Accuracy or reliability of outputs

You assume all risks associated with using the Services.

16. Limitation of Liability

To the maximum extent permitted by law:

• SMFlow.ai is not liable for indirect, incidental, consequential, or punitive damages
• SMFlow.ai’s total liability for any claim shall not exceed the amount paid by you in the preceding 12 months

Some jurisdictions do not allow certain limitations; in such cases, limitations apply to the fullest extent permitted.

17. Termination

SMFlow.ai may suspend or terminate your access at any time for:

• Violations of these Terms
• Security concerns
• Fraudulent or unlawful activity
• Non‑payment (for paid plans)

Upon termination, all rights granted to you under these Terms cease immediately.

18. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict‑of‑law principles.

19. Changes to Terms

SMFlow.ai may update these Terms periodically. Continued use of the Services after changes constitutes acceptance of the updated Terms.

20. Contact Information

For questions regarding these Terms, contact:
smflow.ai@smflow.ai