Disclaimer & Limitation of Liability

This Disclaimer and Limitation of Liability ("Disclaimer") applies to the TransactionFlow product of Nalepa Labs™ platform ("Platform"), operated by Open Mind Archives LLC ("Company," "we," "us," or "our"), a Florida limited liability company located in Boynton Beach, Florida. The Platform is accessible at omtransactionflow.com. This Disclaimer is incorporated by reference into our Terms of Service.

1. Not a Professional Services Firm

1.1 No Tax Advice

The Platform does not provide tax advice. All tax-related features, including but not limited to estimated tax calculations, Schedule C generation, self-employment tax computations, MACRS depreciation schedules, Section 179 deduction estimates, Section 280F limitation calculations, and quarterly tax projections, are provided solely as informational tools and computational estimates. These outputs are not tax returns, are not filing-ready documents, and should not be relied upon as a substitute for the professional judgment of a qualified tax advisor, enrolled agent, or certified public accountant.

1.2 No Accounting Advice

The Platform provides bookkeeping workflow automation and general ledger management tools. It does not provide accounting advice, audit services, attestation services, or compilation services. The Platform's financial reports (including profit and loss statements, balance sheets, trial balances, and financial snapshots) are generated from data that you enter or import and are only as accurate as the underlying data and the categorization decisions you make. These reports do not constitute financial statements prepared in accordance with Generally Accepted Accounting Principles (GAAP) or any other accounting framework unless independently verified and attested to by a licensed accounting professional.

1.3 No Legal Advice

The Platform does not provide legal advice. Features such as S-Corp compliance scoring, corporate governance checklists, state compliance requirements, and entity structure information are provided for informational and educational purposes only. They do not constitute legal counsel and should not be relied upon as a substitute for advice from a licensed attorney in your jurisdiction. Compliance scores, risk assessments, and governance recommendations are algorithmic outputs based on general rules and publicly available information, and do not account for the specific facts and circumstances of your individual situation.

1.4 User Responsibility

You are solely responsible for verifying all data, calculations, reports, and outputs generated by the Platform before relying on them for any purpose, including but not limited to tax filing, financial reporting, business decisions, or regulatory compliance. You should consult with appropriately licensed professionals (including certified public accountants, enrolled agents, tax attorneys, and business attorneys) for advice specific to your situation.

2. Financial Calculations Are Estimates Only

2.1 Estimated Tax Calculations

The Platform's estimated tax projection feature provides approximate calculations based on data you provide and general tax rules. These projections:

• Are not filing-ready tax returns and cannot be submitted to any taxing authority.
• May not reflect the most current tax law changes, IRS rulings, or regulatory guidance.
• Do not account for all possible deductions, credits, exemptions, phase-outs, or special circumstances that may apply to your situation.
• Use simplified calculation methodologies that may differ from the actual computations required by the Internal Revenue Code and Treasury Regulations.
• Are based on annualized projections from year-to-date data, which inherently involves assumptions about future income and expenses that may not materialize.
• Include a Qualified Business Income (QBI) deduction estimate calculated using a simplified methodology that does not incorporate the full complexity of Section 199A limitations (including Specified Service Trade or Business (SSTB) phase-outs, W-2 wage limitations, or unadjusted basis of qualified property calculations).

2.2 Schedule C Generation

The Platform generates informational Schedule C reports based on the transaction categorization and chart of accounts mappings that you configure. The accuracy of these reports depends entirely on:

• The correctness of your transaction categorization decisions.
• The accuracy of your chart of accounts to Schedule C line mappings.
• The completeness of the financial data you have entered or imported into the Platform.
• The proper application of deduction rules (such as the 50% limitation on meals expenses), which the Platform applies programmatically but which may not be appropriate in all circumstances.

Generated Schedule C reports are informational drafts only and must be reviewed by a qualified tax professional before being used as the basis for any tax filing.

2.3 S-Corp Compliance Scoring

The Platform's S-Corp compliance scoring feature evaluates compliance against a set of federal rules and state-specific requirements using a deterministic, rules-based engine. This scoring:

• Is informational only and does not constitute a legal compliance audit or opinion.
• Is based on general rules derived from publicly available legal and regulatory sources, which may not reflect the most recent changes to applicable laws or regulations.
• Does not account for the full complexity of your specific corporate structure, shareholder agreements, or operational circumstances.
• Should not be relied upon as a substitute for a compliance review conducted by a qualified attorney or CPA.

2.4 Depreciation and Asset Calculations

MACRS depreciation schedules, Section 179 deduction estimates, Section 280F vehicle limitations, and Form 4797 calculations generated by the Platform are computational estimates based on general IRS rules. They may not account for all applicable limitations, recapture provisions, special depreciation allowances, or the specific facts and circumstances of your asset acquisitions and dispositions.

3. AI-Generated Content May Contain Errors

3.1 Bank Statement Parsing

The Platform uses artificial intelligence and machine learning models to parse bank and credit card statements from PDF documents. This AI-powered parsing:

• Is not guaranteed to be accurate. AI parsing may misread, omit, duplicate, or incorrectly classify transactions, dates, amounts, descriptions, or running balances.
• May produce varying results depending on the format, quality, and layout of the source PDF document.
• May be affected by scanned (image-based) PDFs, low-resolution documents, unusual fonts, multi-column layouts, or non-standard bank statement formats.
• Is provided as a productivity aid to reduce manual data entry. You must review and verify all parsed transactions before relying on them for bookkeeping, reporting, or any other purpose.

3.2 Transaction Categorization

AI-assisted transaction categorization suggestions are probabilistic outputs that may be incorrect. Categorization rules that you create are applied programmatically and may produce unintended results if the rules are overly broad or incorrectly configured. You are responsible for reviewing and correcting all categorization decisions.

3.3 Business Assistant Voice and Chat Features

The Business Assistant and any chat-based AI features on the Platform use large language models to generate responses. These AI-generated responses:

• May contain inaccuracies, incomplete information, or outdated guidance.
• Are general in nature and do not constitute professional advice of any kind.
• Should be independently verified before being acted upon.
• May vary in quality and accuracy between interactions.

3.4 No Warranty on AI Outputs

THE COMPANY MAKES NO WARRANTY, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, RELIABILITY, OR FITNESS FOR ANY PARTICULAR PURPOSE OF ANY AI-GENERATED CONTENT ON THE PLATFORM. ALL AI-GENERATED CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE."

4. Third-Party Service Disclaimers

The Platform integrates with and relies upon several third-party services. The Company has no control over these third-party services and assumes no responsibility or liability for their availability, accuracy, security, data handling practices, or performance. Each third-party service is governed by its own terms of service and privacy policy, which you should review independently.

4.1 Intuit QuickBooks Online (QBO)

The Platform integrates with Intuit QuickBooks Online to sync chart of accounts data, vendor information, and to push journal entries into your QBO company file. With respect to this integration:

• Data Accuracy: The Company does not guarantee the accuracy of data imported from QBO or the integrity of data pushed to QBO. QBO data may be affected by changes made by other users with access to the same QBO company file, by Intuit's own data processing, or by synchronization timing.
• API Changes: Intuit may modify, deprecate, or discontinue its API endpoints, authentication mechanisms, or data formats at any time without notice to the Company. Such changes may temporarily or permanently disrupt the Platform's QBO integration functionality.
• Service Availability: The Company is not responsible for QBO service outages, maintenance windows, rate limiting, or any other disruption to the Intuit QuickBooks Online service.
• Data Handling: Data transmitted to and from QBO is subject to Intuit's terms of service and privacy policy. The Company is not responsible for how Intuit processes, stores, or uses your data.
• Journal Entry Accuracy: Journal entries pushed from the Platform to QBO are generated based on your categorization decisions and the Platform's mapping logic. Errors in categorization will result in incorrect journal entries in QBO. You are responsible for reviewing all journal entries in QBO after they are pushed.
• Void Operations: The Platform provides functionality to void (delete) previously pushed journal entries in QBO. Void operations depend on the QBO API and may fail if the journal entry has been modified in QBO, if the accounting period has been closed, or if QBO API access is disrupted. Failed void operations may require manual correction within QBO.

4.2 Plaid

The Platform uses Plaid to facilitate bank account linking and automated transaction import. With respect to Plaid:

• Connection Reliability: Plaid connections to financial institutions may be interrupted, degraded, or terminated at any time due to factors outside the Company's control, including changes by financial institutions, Plaid's service availability, authentication requirements, or multi-factor authentication prompts.
• Transaction Data: The accuracy and completeness of transaction data imported through Plaid depends on the data provided by your financial institution to Plaid and by Plaid to the Platform. The Company does not guarantee that Plaid-imported transactions will match your bank statement exactly.
• Security: Plaid handles the authentication and credential exchange with your financial institution. The Company does not store your bank login credentials. Plaid's security practices are governed by Plaid's own privacy policy and terms of service.
• Service Disruptions: The Company is not responsible for Plaid service outages, connection failures, delayed transaction syncs, or data loss resulting from Plaid's infrastructure.

4.3 Stripe

The Platform uses Stripe to process subscription payments, write-up package purchases, and related billing transactions. With respect to Stripe:

• Payment Processing: Stripe is the sole payment processor for the Platform. The Company does not store your full credit card number, CVC, or other sensitive payment card data. All payment card processing is handled directly by Stripe in compliance with PCI-DSS standards.
• Billing Disputes: Disputes regarding charges, refunds, chargebacks, or billing errors should be directed to the Company first. However, the actual processing of refunds and chargebacks is subject to Stripe's policies and timelines.
• Service Availability: The Company is not responsible for Stripe service outages that may prevent you from subscribing, upgrading, or making payments.

4.4 OpenAI

The Platform uses OpenAI's API services, including the Whisper speech-to-text model, for voice transcription in the Business Assistant feature. With respect to OpenAI:

• Transcription accuracy depends on audio quality, background noise, accent, and other factors. The Company does not guarantee transcription accuracy.
• Audio data sent to OpenAI for transcription is subject to OpenAI's API data usage policies.
• The Company is not responsible for changes to OpenAI's models, API availability, pricing, or data handling practices.

4.5 Anthropic (Claude)

The Platform uses Anthropic's Claude AI models for bank statement parsing, AI-assisted categorization, and the Business Assistant's conversational responses. With respect to Anthropic:

• AI model outputs are probabilistic and may contain errors, hallucinations, or inaccurate information.
• Data sent to Anthropic's API for processing is subject to Anthropic's usage policies and data processing terms.
• The Company is not responsible for changes to Anthropic's models, API availability, model behavior, pricing, or data handling practices.
• Model updates by Anthropic may affect the quality, consistency, or behavior of AI-powered features on the Platform without prior notice.

4.6 ElevenLabs

The Platform uses ElevenLabs' text-to-speech API to generate voice responses for the Business Assistant feature. With respect to ElevenLabs:

• Voice synthesis quality may vary and is subject to ElevenLabs' model capabilities and service availability.
• Text data sent to ElevenLabs for speech synthesis is subject to ElevenLabs' terms of service and privacy policy.
• The Company is not responsible for changes to ElevenLabs' voice models, API availability, or pricing.

4.7 Railway.app

The Platform is hosted on Railway.app, a cloud infrastructure provider. With respect to Railway:

• The Company is not responsible for infrastructure outages, network disruptions, hardware failures, or data center incidents affecting Railway's hosting services.
• Service availability, response times, and data durability are subject to Railway's infrastructure capabilities and service level agreements between the Company and Railway.
• The Company makes reasonable efforts to maintain service availability but cannot guarantee uptime in the event of infrastructure failures beyond its control.

4.8 Cloudflare R2

The Platform uses Cloudflare R2 for object storage, including uploaded files and media assets. With respect to Cloudflare:

• The Company is not responsible for Cloudflare service disruptions, data loss, or security incidents affecting Cloudflare's infrastructure.
• File availability and retrieval performance are subject to Cloudflare's service capabilities.
• Data stored on Cloudflare R2 is subject to Cloudflare's terms of service and data processing agreement.

5. No Guarantee of Imported or Synced Data Accuracy

Data imported into the Platform from external sources, whether through QBO synchronization, Plaid bank feeds, CSV imports, OFX/QFX file uploads, or AI-parsed PDF statements, may contain errors, omissions, or discrepancies. The Company does not independently verify the accuracy of any imported data. Specifically:

• QBO-synced chart of accounts, vendor lists, and financial data reflect the state of your QBO company file at the time of synchronization and may not reflect subsequent changes.
• Plaid-imported transactions may differ from your official bank statements in timing, description, categorization, or amount.
• AI-parsed bank statement data is an automated extraction that requires user verification.
• Financial snapshots and KPI calculations derived from imported data inherit any errors present in the source data.

You are solely responsible for reconciling all imported data against your official financial records and bank statements.

6. No Guarantee of Uptime or Availability

The Platform is provided on an "as available" basis. The Company does not guarantee uninterrupted, error-free, or secure access to the Platform. The Platform may be temporarily unavailable due to:

• Scheduled maintenance, system updates, or deployments.
• Unscheduled outages caused by hardware failures, software bugs, or infrastructure issues.
• Third-party service disruptions (including but not limited to Railway, Cloudflare, PostgreSQL, Redis, or any upstream provider).
• Network connectivity issues, DNS propagation delays, or SSL certificate renewal processes.
• High demand or traffic spikes that exceed the Platform's current capacity.
• Security incidents requiring emergency maintenance or service suspension.

The Company will make commercially reasonable efforts to maintain high availability but does not offer a formal Service Level Agreement (SLA) with guaranteed uptime percentages unless separately agreed in writing.

7. Limitation of Liability

7.1 Exclusion of Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL OPEN MIND ARCHIVES LLC, ITS OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, AGENTS, CONTRACTORS, OR AFFILIATES BE LIABLE FOR ANY OF THE FOLLOWING, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES:

• Indirect, incidental, special, consequential, or punitive damages of any kind.
• Loss of profits, revenue, business, or anticipated savings, whether direct or indirect.
• Loss of data, including but not limited to financial records, general ledger entries, transaction histories, categorization rules, or client information stored on the Platform.
• Loss of goodwill or reputation.
• Cost of procurement of substitute goods or services.
• Damages arising from:
  • Errors, inaccuracies, or omissions in AI-parsed bank statements, tax calculations, financial reports, or compliance scores.
  • Your reliance on any information or output generated by the Platform without independent professional verification.
  • Unauthorized access to or alteration of your data.
  • Any third-party service failure, outage, data breach, or policy change (including by Intuit, Plaid, Stripe, OpenAI, Anthropic, ElevenLabs, Railway, or Cloudflare).
  • Tax penalties, interest, or additional tax assessments resulting from estimated tax calculations or Schedule C reports generated by the Platform.
  • Corporate compliance failures or legal consequences arising from reliance on the Platform's S-Corp compliance scoring.
  • Incorrect journal entries pushed to QuickBooks Online.
  • Failed or incomplete void operations on previously pushed QBO journal entries.
  • Plaid connection failures or inaccurate transaction imports.
  • Data loss during trial expiration, account termination, or infrastructure failures.

7.2 Aggregate Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE TOTAL AMOUNT OF SUBSCRIPTION FEES ACTUALLY PAID BY YOU TO THE COMPANY DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

IF YOU HAVE NOT PAID ANY FEES TO THE COMPANY (INCLUDING IF YOU ARE ON A FREE TRIAL), THE COMPANY'S MAXIMUM AGGREGATE LIABILITY TO YOU SHALL BE FIFTY UNITED STATES DOLLARS (USD $50.00).

7.3 Essential Basis of the Bargain

You acknowledge and agree that the limitations of liability set forth in this Section 7 are an essential element of the agreement between you and the Company. The Company would not provide the Platform at the subscription prices offered without these limitations. These limitations apply even if any limited remedy fails of its essential purpose.

7.4 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain types of damages. In such jurisdictions, the Company's liability shall be limited to the greatest extent permitted by applicable law.

8. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, fitness for a particular purpose, and non-infringement.
• Any warranty that the Platform will be uninterrupted, timely, secure, or error-free.
• Any warranty regarding the accuracy, reliability, or completeness of any information, content, or output obtained through the Platform.
• Any warranty that defects will be corrected within any particular timeframe.
• Any warranty that the Platform will meet your specific requirements or expectations.
• Any warranty regarding the results that may be obtained from use of the Platform.

You expressly acknowledge that you use the Platform at your sole risk. No oral or written information or advice given by the Company, its employees, or representatives shall create a warranty not expressly stated in our Terms of Service.

9. Force Majeure

The Company shall not be liable for any failure or delay in performing its obligations under the Terms of Service or this Disclaimer where such failure or delay results from circumstances beyond the Company's reasonable control ("Force Majeure Event"). Force Majeure Events include, without limitation:

• Acts of God, natural disasters, epidemics, or pandemics.
• War, terrorism, civil unrest, or government actions (including sanctions, embargoes, or regulatory changes).
• Electrical power failures, internet or telecommunications infrastructure failures, or disruptions to cloud computing services.
• Cyberattacks, including distributed denial-of-service (DDoS) attacks, ransomware, or other malicious acts by third parties.
• Failures, outages, or service disruptions by third-party providers upon which the Platform depends, including but not limited to Intuit (QuickBooks Online), Plaid, Stripe, OpenAI, Anthropic, ElevenLabs, Railway.app, Cloudflare, and their respective upstream infrastructure providers.
• Changes to third-party APIs, authentication protocols, data formats, or terms of service that affect the Platform's functionality.
• Labor disputes, strikes, or shortages of materials.
• Any other events beyond the Company's reasonable control that prevent or materially impair the Company's ability to perform.

In the event of a Force Majeure Event, the Company's obligations shall be suspended for the duration of the Force Majeure Event, and the Company shall not be responsible for any damages, losses, or additional costs incurred by you as a result.

10. Integration-Specific Disclaimers

10.1 QuickBooks Online Data Accuracy

When you connect the Platform to your QuickBooks Online account, data is synchronized through Intuit's API. The Company does not guarantee that:

• The chart of accounts, vendor data, or financial information synced from QBO is complete or current.
• Journal entries pushed from the Platform to QBO will be processed without errors by Intuit's system.
• Data synced from QBO will remain consistent if changes are made directly in QBO by you or other authorized users between synchronization cycles.
• The QBO integration will continue to function if Intuit modifies its API, authentication requirements, or data formats.
• QBO financial snapshots, profit and loss reports, or balance sheets retrieved through the integration are accurate representations of your QBO company file.

You should always verify critical financial data directly within QuickBooks Online.

10.2 Plaid Connection Reliability

Plaid bank account connections are subject to the following known limitations:

• Financial institutions may revoke Plaid's access to your account data at any time without notice.
• Multi-factor authentication requirements imposed by your financial institution may interrupt or require re-authentication of Plaid connections.
• Transaction data imported through Plaid may be delayed, incomplete, or formatted differently than your official bank statements.
• Plaid may not support all financial institutions, account types, or geographic regions.
• The Company cannot restore Plaid connections that are broken due to actions by your financial institution or by Plaid.

10.3 Stripe Payment Processing

All payment processing for the Platform is handled by Stripe. The Company:

• Does not store your full payment card information. All payment card data is processed and stored by Stripe in accordance with PCI-DSS compliance standards.
• Is not responsible for payment failures caused by Stripe service outages, card network issues, or insufficient funds.
• Is not responsible for fraudulent charges on your payment method that are not caused by the Company's negligence.
• Cannot guarantee the timing of refund processing, which is subject to Stripe's policies and your card issuer's processing times.

10.4 AI Parsing Accuracy

The Platform's AI-powered bank statement parsing feature processes PDF documents using machine learning models provided by third-party AI services (primarily Anthropic's Claude). The Company makes no guarantee regarding:

• The accuracy of extracted transaction dates, amounts, descriptions, or running balances.
• The correct identification of deposits versus withdrawals, particularly for liability accounts (credit cards, lines of credit).
• The correct calculation of beginning and ending balances from parsed data.
• The ability to parse statements from all financial institutions or in all formats.
• Consistent parsing results if the same document is processed multiple times (AI model outputs are inherently non-deterministic).

Always compare AI-parsed results against the original bank statement before approving transactions for posting to the general ledger or pushing to QuickBooks Online.

11. Indemnification

You agree to indemnify, defend, and hold harmless Open Mind Archives LLC, its officers, directors, members, managers, employees, agents, contractors, and affiliates from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to:

• Your use of or inability to use the Platform.
• Your violation of this Disclaimer, the Terms of Service, the Acceptable Use Policy, or any applicable law or regulation.
• Your reliance on any output, calculation, report, or information generated by the Platform without independent professional verification.
• Any data you upload, enter, or transmit through the Platform.
• Any dispute between you and a third party (including your clients, tax authorities, financial institutions, or professional licensing bodies) arising from your use of the Platform.
• Tax penalties, interest, or assessments resulting from estimated tax calculations, Schedule C reports, or other tax-related outputs generated by the Platform.
• Any claim that your use of the Platform infringes upon the intellectual property rights or other rights of any third party.

12. Data Retention and Deletion

The Company maintains data retention policies that include automatic deletion of data for expired trial accounts after a retention period. You acknowledge and agree that:

• Data associated with expired trial accounts may be automatically and permanently deleted after a thirty (30) day retention window.
• The Company is not responsible for recovering data that has been deleted pursuant to its data retention policies.
• You are responsible for maintaining your own backups and records of any data you upload to or generate on the Platform.
• Upon account termination (whether voluntary or for cause), the Company may delete all associated data in accordance with its data retention policies and applicable law.

13. Governing Law and Dispute Resolution

13.1 Governing Law

This Disclaimer and all disputes arising out of or relating to it shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of laws principles.

13.2 Venue

Any legal action or proceeding arising out of or relating to this Disclaimer shall be brought exclusively in the state or federal courts located in Palm Beach County, Florida. You irrevocably consent to the personal jurisdiction and venue of such courts.

13.3 Waiver of Jury Trial

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND THE COMPANY EACH WAIVE THE RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS DISCLAIMER OR YOUR USE OF THE PLATFORM.

14. Severability

If any provision of this Disclaimer is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the validity, legality, and enforceability of the remaining provisions shall not in any way be affected or impaired. The invalid, illegal, or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving the original intent of the parties.

15. Entire Agreement and Modifications

This Disclaimer, together with the Terms of Service, Privacy Policy, Acceptable Use Policy, and any other policies or agreements referenced therein, constitutes the entire agreement between you and the Company with respect to your use of the Platform. The Company reserves the right to modify this Disclaimer at any time. Material modifications will be communicated through the Platform or by email at least thirty (30) days before taking effect. Your continued use of the Platform after the effective date of any modification constitutes your acceptance of the modified Disclaimer.

16. Contact Information

If you have questions about this Disclaimer and Limitation of Liability, please contact us at:

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This Disclaimer and Limitation of Liability is effective as of February 11, 2026, and applies to all users of the TransactionFlow product of Nalepa Labs™ platform.