MINGMA INC TERMS OF SERVICE

1. ACCEPTANCE OF TERMS

1.1 Agreement Formation

These Terms of Service ("Terms," "Agreement") constitute a legally binding contract between Mingma Inc, a Texas limited liability company ("Mingma," "Company," "we," "us," "our") and you ("Customer," "Client," "you," "your"), whether acting individually or on behalf of an entity, regarding access to and use of our comprehensive suite of business automation, software, and consulting services.

1.2 Scope of Services

These Terms govern your use of:

• Mingma.IO Software Platform: Financial analysis and business intelligence tools
• AI Automation Services: Workflow automation using n8n, Make, Zapier, and custom solutions
• Conversational AI: Chatbots, voice agents, ElevenLabs implementations
• Fractional Executive Services: COO and CFO consulting and management
• Professional Services: Implementation, training, support, and custom development
• Integration Services: Third-party platform connections and data synchronization
• All Related Services: APIs, documentation, support, and any future services

1.3 Acceptance Requirements

By clicking "I Accept," creating an account, or using any Services, you represent and warrant that:

1. You are at least 18 years old and have legal capacity to enter binding contracts
2. You have read, understood, and agree to these Terms and our Privacy Policy
3. If acting for an entity, you have authority to bind that entity
4. Your use will comply with all applicable laws and regulations
5. Information you provide is accurate, current, and complete
6. You are not located in a country subject to U.S. embargo or designated as terrorist-supporting
7. You are not on any U.S. government prohibited or restricted party list

1.4 Terms Rejection

If you do not agree to these Terms, you must immediately cease all use of our Services and may not access any Mingma platforms, tools, or resources.

2. SERVICE DESCRIPTIONS AND TIERS

2.1 Service Categories

2.1.1 Software Services

Mingma.IO Platform Features:

• Financial statement analysis and ratio calculations
• Cash flow forecasting and management
• KPI dashboards and real-time metrics
• Budget vs. actual variance reporting
• Profitability analysis by segment
• Automated financial reporting
• QuickBooks integration and synchronization
• Custom report builders
• Data visualization tools
• Export capabilities (Excel, PDF, API)

2.1.2 AI Automation Services

Workflow Automation Capabilities:

• n8n Implementations: Custom workflow design, deployment, and management
• Make/Integromat Solutions: Visual automation building and optimization
• Zapier Integrations: Pre-built and custom zap creation
• Custom Automation Development: Proprietary solutions using Python, Node.js
• Process Mining: Identification of automation opportunities
• RPA Solutions: Robotic process automation for repetitive tasks
• Event-Driven Architectures: Real-time triggers and responses
• Batch Processing: High-volume data processing workflows

2.1.3 Conversational AI Services

AI Communication Solutions:

• Chatbot Development: Multi-platform conversational interfaces
• Voice AI Integration: ElevenLabs and other voice synthesis
• Natural Language Processing: Intent recognition and entity extraction
• Multilingual Support: Translation and localization services
• Sentiment Analysis: Customer emotion detection and response
• AI Training: Custom model training for specific use cases
• Integration APIs: Connection to existing communication channels

2.1.4 Fractional Executive Services

C-Suite Consulting:

Fractional COO Services:

• Operations strategy and optimization
• Process improvement and standardization
• Team building and organizational design
• Performance management systems
• Vendor and supply chain management
• Quality control implementation

Fractional CFO Services:

• Financial strategy and planning
• Cash flow management and forecasting
• Fundraising and investor relations
• Financial reporting and compliance
• Budgeting and cost control
• M&A advisory and due diligence

2.1.5 Professional Services

Implementation and Support:

• Requirements gathering and analysis
• Solution architecture and design
• Implementation and deployment
• Data migration and integration
• User training and documentation
• Ongoing support and maintenance
• Performance optimization
• Custom development

2.2 Service Tiers and Pricing

2.2.4 Custom Solutions

For unique requirements, we offer tailored packages including:

• Industry-specific solutions
• Regulatory compliance packages
• Multi-year enterprise agreements
• Volume discounts
• Partner/reseller programs

3. ACCOUNT MANAGEMENT

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Account security requirements include strong passwords, multi-factor authentication, and immediate notification of unauthorized access.

4. ACCEPTABLE USE POLICY

Services must be used lawfully and ethically. Prohibited activities include illegal conduct, security violations, abusive behavior, intellectual property infringement, and excessive resource usage beyond fair use limits.

5. PAYMENT TERMS AND BILLING

Fees are due as specified in your service agreement. We accept credit cards, ACH transfers, wire transfers, and purchase orders for qualified accounts. Late payments incur interest charges and may result in service suspension.

6. INTELLECTUAL PROPERTY RIGHTS

We retain all rights to our software, documentation, and proprietary materials. You receive a limited license to use our Services. You retain ownership of your data and content, while granting us necessary licenses to provide Services.

7. CONFIDENTIALITY

Both parties agree to protect confidential information disclosed during the relationship. Confidentiality obligations survive termination and exclude publicly available information.

8. WARRANTIES AND DISCLAIMERS

EXCEPT AS EXPRESSLY PROVIDED, SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL IMPLIED WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Our Services provide tools and information but do not constitute professional legal, financial, or medical advice.

9. INDEMNIFICATION

You agree to indemnify Mingma against claims arising from your use of Services, breach of Terms, or violation of laws. We will indemnify you against claims that our Services infringe third-party intellectual property rights.

10. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY SHALL BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES. TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF FEES PAID IN THE 12 MONTHS PRECEDING THE CLAIM OR $50,000.

11. TERM AND TERMINATION

Agreement begins upon acceptance and continues for the specified term. Either party may terminate for convenience with proper notice or immediately for material breach. Upon termination, access ceases and data export is available for 30 days.

12. SERVICE LEVEL AGREEMENT

We commit to service availability targets: 99.0% (Starter), 99.5% (Professional), and 99.9% (Enterprise). Support response times and service credits are tier-specific as detailed in your service agreement.

13. DATA PROTECTION AND SECURITY

We implement industry-standard security measures including encryption, access controls, and regular security audits. We act as a data processor and comply with applicable data protection laws.

14. DISPUTE RESOLUTION

Disputes will first be addressed through good faith negotiations, followed by mediation, and if necessary, binding arbitration in Dallas, Texas under AAA Commercial Arbitration Rules.

CLASS ACTION WAIVER: You and Mingma agree that only individual claims are allowed. No class or collective actions are permitted.

15. GENERAL PROVISIONS

15.1 Governing Law and Venue

This Agreement is governed by Texas law. Venue for any court proceedings is Dallas County, Texas.

15.2 Entire Agreement

These Terms, along with referenced policies and service agreements, constitute the entire agreement between parties.

15.3 Amendment

We may modify Terms with 30 days notice for non-material changes and 60 days for material changes.

15.4 Assignment

You may not assign this Agreement without our consent. We may freely assign to affiliates or in connection with a merger or acquisition.

15.5 Force Majeure

Neither party is liable for delays due to events beyond reasonable control including natural disasters, war, or infrastructure failures.

15.6 Notices

16. SERVICE-SPECIFIC TERMS

Additional terms apply to specific services including AI services limitations, consulting engagement terms, and integration dependencies. AI outputs are not guaranteed accurate and human review is recommended for critical decisions.

17. DEFINITIONS

Key terms: "Agreement" means these Terms and incorporated documents. "Services" means all products and services we provide. "Content" means data you provide. "Confidential Information" means non-public proprietary information. "Term" means duration of Agreement.

18. CONTACT INFORMATION

19. ACCEPTANCE CONFIRMATION

By using our Services, you acknowledge that you have read and understood these Terms, agree to be bound by them, have authority to accept them, and will ensure compliance by all users.

IMPORTANT NOTICE: IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE OUR SERVICES.

20. VERSION CONTROL