Terms of Service

These Terms of Service ("Terms") govern access to and use of StockFlow (stockflow.co.za) and related applications provided by Bannatynes Products and Professional Services (Pty) Ltd ("B2PS", "we", "us") on the Appable platform ("Service"). By creating an account, subscribing or using the Service you agree to these Terms and our Privacy Policy.

If you accept on behalf of a company, you represent that you have authority to bind that entity. "Customer", "you" and "your" refer to that entity or individual user as applicable.

1. The Service

StockFlow is a subscription software platform for inventory, costing, sales, pricing, documents, integrations and related business operations. Features, modules and limits depend on your plan, trial status and enabled applications. We may add, change or retire features with reasonable notice where practicable.

2. Accounts and access

• You must provide accurate registration and billing information.
• You are responsible for all activity under your accounts and for configuring user roles appropriately.
• You must keep credentials confidential and notify us promptly of suspected unauthorised access.
• You must comply with applicable laws (including tax, consumer protection and POPIA) when using the Service and data stored in it.
• We may suspend or terminate access that violates these Terms, poses a security risk, or affects other customers or the platform.

3. Subscriptions, trials and billing

• Paid plans renew for the billing cycle selected at checkout until cancelled.
• Trials convert to paid subscriptions at the end of the trial period unless cancelled beforehand.
• Usage beyond plan limits may incur additional charges as described on the pricing page or order form.
• Fees are exclusive of VAT unless stated otherwise. Payment is due according to the invoice or checkout terms.
• We may change pricing for renewals with advance notice; changes apply from the next renewal after notice.
• Refunds are provided only where required by law or expressly agreed in writing.

4. Acceptable use

You agree not to:

• Use the Service for unlawful, fraudulent or harmful purposes.
• Attempt to probe, scan or breach our systems or other tenants' data.
• Interfere with Service availability, circumvent access controls or abuse APIs.
• Upload malware, unlawful content or material that infringes third-party rights.
• Resell or sublicense the Service except as expressly permitted.

We may investigate violations and cooperate with law enforcement where required.

5. Customer data and POPIA

Your content and business data remain yours. You grant us a limited licence to host, process, transmit, display and back up that data solely to provide and improve the Service, support you, and meet legal obligations.

For personal information in your tenant databases about your customers, employees and contacts, you are generally the responsible party under POPIA and we act as an operator processing on your instructions through use of the Service, except for account, billing and platform data where B2PS is responsible party as described in the Privacy Policy.

You warrant that you have lawful grounds to upload and process personal information in the Service and that your privacy notices to your own customers and staff are adequate.

Detailed handling practices are in our Privacy Policy, including security measures, subprocessors, retention and breach notification commitments.

6. Security

We implement reasonable technical and organisational safeguards designed to protect the Service and stored data, as summarised in the Privacy Policy. These include tenant infrastructure separation, encrypted transport, encryption of sensitive credentials at rest, verified webhooks, role-based access controls and audit logging.

No guarantee of absolute security. You acknowledge that no online service can guarantee that unauthorised access, data loss or security incidents will never occur, despite our efforts. Your remedies for security incidents are limited as set out in Section 11 below and in the Privacy Policy.

You are responsible for your own endpoint security, user provisioning, integration choices and maintaining exports or backups of business-critical data where your operations require them.

7. Third-party integrations

The Service may connect to payment gateways (Yoco, PayFast, PayPal, Stripe), accounting systems (Xero, Sage), commerce platforms (Shopify), Google services (Document AI, Drive), AI agent providers (OpenAI, Anthropic, xAI and others you configure), and other third parties. Those services are governed by their own terms. We are not liable for their availability, acts or omissions. You authorise us to exchange data with integrations you enable. See our Privacy Policy for how subprocessors handle data.

8. Availability and support

We aim for high availability but do not warrant uninterrupted or error-free operation. Planned maintenance, provider outages and events outside our reasonable control may affect access. Support channels and response targets depend on your plan.

9. Intellectual property

We and our licensors own the Service, software, branding and documentation. Except for the limited rights granted in these Terms, no rights are transferred to you. Feedback you provide may be used to improve the Service without obligation to you.

10. Confidentiality

Each party will protect the other's non-public business information received in connection with the Service and use it only for the permitted purpose, except where disclosure is required by law or the information is already public without breach.

11. Disclaimers and limitation of liability

11.1 Service provided "as is"

To the fullest extent permitted by applicable law, the Service is provided on an "as is" and "as available" basis. We disclaim all warranties, whether express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose, non-infringement and uninterrupted availability, except where such disclaimers may not lawfully be excluded.

11.2 Exclusion of certain damages

To the fullest extent permitted by law, neither party will be liable for any indirect, incidental, special, consequential or punitive damages, or for loss of profits, revenue, goodwill, data (except as required by law) or business interruption, even if advised of the possibility of such damages.

11.3 Cap on direct liability

Subject to Section 11.4, our total aggregate liability arising out of or relating to the Service or these Terms (whether in contract, delict, statute or otherwise) is limited to the greater of (a) the fees you paid to us for the Service in the twelve (12) months before the event giving rise to the claim, or (b) ZAR 5,000.

11.4 Exceptions

Nothing in these Terms limits liability that cannot be limited under South African law, including liability for death or personal injury caused by negligence, fraud or wilful misconduct, or any other liability that may not be excluded by agreement.

11.5 Security incidents

Without limiting the above, you agree that our liability for any unauthorised access, disclosure, loss or corruption of data — including personal information — is subject to the same limitations and exclusions in this Section 11, except where a court or regulator determines otherwise under mandatory law. We will use reasonable efforts to prevent and respond to incidents as described in the Privacy Policy; that commitment does not create an unlimited warranty or unlimited liability.

12. Indemnity

You will indemnify and hold harmless B2PS, its affiliates and personnel against claims, losses and reasonable costs (including legal fees) arising from your breach of these Terms, your Customer data or content, your violation of law or third-party rights, or misuse of the Service by your users, except to the extent caused by our wilful misconduct or fraud.

13. Term and termination

• These Terms apply for the duration of your subscription or use of the Service.
• You may cancel according to your plan and billing cycle; cancellation stops future renewals but may not entitle you to a refund for the current period.
• We may terminate or suspend for material breach, non-payment, or risk to the platform after notice where reasonable.
• On termination, access ends and data is handled per the Privacy Policy and our offboarding process. Sections that by nature should survive (including 5, 9–12, 14–16) survive termination.

14. Force majeure

Neither party is liable for delay or failure to perform due to events beyond reasonable control, including natural disasters, war, labour disputes, widespread internet or utility failures, or government action, provided the affected party uses reasonable efforts to resume performance.

15. Governing law and disputes

These Terms are governed by the laws of the Republic of South Africa. The parties submit to the exclusive jurisdiction of the South African courts, without prejudice to either party's right to seek urgent interim relief.

Before formal proceedings, the parties will attempt in good faith to resolve disputes through notice to support@stockflow.co.za and negotiation for at least fifteen (15) business days.

16. General

• Changes: We may update these Terms. Material changes will be posted here with an updated date and, where appropriate, notified via the Service or email. Continued use after the effective date constitutes acceptance.
• Entire agreement: These Terms and the Privacy Policy constitute the entire agreement regarding the Service, superseding prior understandings on the same subject, except for a signed enterprise agreement that expressly overrides them.
• Severability: If any provision is unenforceable, the remainder stays in effect.
• No waiver: Failure to enforce a provision is not a waiver of future enforcement.
• Assignment: You may not assign these Terms without our consent. We may assign to an affiliate or in connection with a merger, acquisition or sale of assets.

Contact

support@stockflow.co.za

Privacy Policy