1. Introduction By using Cloud Books Academy ("Website") and our services, you agree to these Terms and Conditions. If you disagree, please do not use the Website. 2. Services We provide educational content, courses, workshops, and coaching on Zoho Books, as well as account outsourcing services. 3. User Accounts You may need to create an account to access some services. You are responsible for maintaining the confidentiality of your account and for all activities under it. 4. Payments and Refunds Fees for services are listed on the Website. Payments are required upfront, and refunds are subject to our [Refund Policy]. 5. Intellectual Property All content on this Website is owned by Cloud Books Academy or its licensors. You may not use, reproduce, or distribute our content without permission. 6. User Conduct Users must use the Website lawfully and respectfully. Prohibited activities include harassment, impersonation, or unauthorized access. 7. Disclaimer Content is provided for informational purposes only. We do not guarantee its accuracy or completeness and are not liable for decisions based on the content. 8. Limitation of Liability We are not liable for any indirect, incidental, or consequential damages arising from your use of the Website or our services. 9. Indemnification You agree to indemnify Cloud Books Academy from any claims arising from your use of the Website or violation of these Terms. 10. Changes to Terms We may update these Terms at any time. Continued use of the Website indicates acceptance of the new Terms. 11. Governing Law These Terms are governed by the laws of India. 12. Contact Us For questions, contact us at support@cloudbooksacademy.com