I have 10 users in my Jira and I want to add 1 more to it.
Can I do it without changing my 10 user plan by creating a separate account for new user & upcoming users or is there any provision in the same account to create a separate team/group without changing the billing plan?
You will need to increase your current plan, there is no "separate account" (unless you mean a completely separate Jira with different data and just that one new user)
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