You agree that Ludwig shall not be liable for any issues regarding, privacy, data protection, data breach, financial and monetary transactions between You and any other party, including Paypal and Stripe.</p> <p> <b>14.4</b> You are responsible for all transactions (one-time, recurring, and refunds) processed through braintree, Stripe and/or Paypal. If You process a transaction, it is Your responsibility to verify that the transaction was successfully processed.</p> <p> <b>14.5</b> You understand that Ludwig uses the Braintree API, the Stripe API and the Paypal API to run the Service and that these APIs are subject to change at any time and such changes may adversely affect the Service.