Terms of Service.

These Terms of Service ("Terms") govern your access to and use of Workinance, the business management platform operated by Inclood Solutions Limited ("Workinance", "we", "us" or "our"). By creating an account, accessing, or using Workinance (the "Service"), you agree to be bound by these Terms. If you are using the Service on behalf of a business, you are agreeing on that business's behalf and confirming you have the authority to do so.

1. The Service

Workinance provides software for managing sales, inventory, customers, procurement, finances and related business operations, delivered as a hosted, subscription-based service ("SaaS"). We may add, change or remove features over time as the Service evolves.

2. Accounts

You need an account to use the Service. You are responsible for the accuracy of the information you provide when registering, for keeping your login credentials confidential, and for all activity that happens under your account. Tell us promptly if you suspect unauthorized access to your account.

If you invite other users from your business onto your account (staff, teammates), you are responsible for their use of the Service under your account and for assigning them appropriate permissions.

3. Subscriptions, Fees and Billing

• Paid plans are billed in advance on a recurring basis, as agreed when you subscribe or as quoted by our sales team.
• Fees are non-refundable except where required by law or expressly stated otherwise.
• We may change our pricing on notice; continued use of the Service after a price change takes effect constitutes acceptance of the new pricing.
• If a payment fails or your subscription lapses, we may suspend or limit your access to the Service until payment is resolved.

4. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation;
• Attempt to gain unauthorized access to the Service, other accounts, or our systems and networks;
• Reverse engineer, decompile, or attempt to extract the source code of the Service, except where permitted by law;
• Interfere with or disrupt the integrity or performance of the Service;
• Resell, sublicense, or provide the Service to third parties without our written consent.

5. Your Data

You retain all rights to the business data you store in the Service (product catalogues, sales records, customer information, and similar content, "Customer Data"). You grant us a license to host, process and display Customer Data solely to provide and support the Service to you. How we handle personal data within Customer Data is described in our Privacy Policy.

You are responsible for the accuracy and legality of the Customer Data you upload, and for having the right to share any customer or employee data you enter into the Service.

6. Intellectual Property

The Service, including its software, design, and branding, is owned by Inclood Solutions Limited and its licensors and is protected by intellectual property laws. These Terms do not grant you any ownership rights in the Service — only a limited right to use it as permitted here.

7. Service Availability

We aim to keep the Service available and performant, but we do not guarantee uninterrupted or error-free operation. We may perform maintenance, and the Service may occasionally be unavailable as a result. We are not liable for downtime caused by factors outside our reasonable control.

8. Termination

You may stop using the Service and cancel your subscription at any time. We may suspend or terminate your access if you breach these Terms, fail to pay fees due, or if we reasonably believe your use of the Service poses a risk to us, other users, or third parties. On termination, your right to use the Service ends; we may retain or delete Customer Data in line with our data retention practices described in the Privacy Policy.

9. Disclaimers and Limitation of Liability

The Service is provided "as is" and "as available", without warranties of any kind, to the fullest extent permitted by law. To the fullest extent permitted by law, Inclood Solutions Limited will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or business opportunity, arising out of or relating to your use of the Service.

10. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will provide reasonable notice, such as by posting the updated Terms on this page with a new "Last updated" date or by emailing the account owner. Continuing to use the Service after changes take effect means you accept the updated Terms.

11. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-law principles.

12. Contact

Questions about these Terms can be sent to info@workinance.com or to Inclood Solutions Limited at 1 Broad Street, Lagos.