Last Updated: April 15, 2024
Welcome to Jolfuritis. These Terms and Conditions govern your access to and use of our website, products, and services. By accessing or using our website or purchasing our financial education products, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not access our website or use our services.
In these Terms and Conditions, the following terms shall have the meanings assigned to them:
To access certain features of our website or purchase our Products, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
We reserve the right to suspend or terminate your account if any information provided during registration or thereafter proves to be inaccurate, incomplete, or fraudulent.
Product Description: We strive to describe our Products as accurately as possible. However, we do not warrant that Product descriptions are accurate, complete, reliable, current, or error-free.
Pricing: All prices for Products are shown in USD and do not include applicable taxes unless otherwise stated. We reserve the right to change prices for Products at any time without notice.
Payment: We accept various payment methods as indicated on our website. By providing a payment method, you represent that you are authorized to use the designated payment method and that the payment information you provide is accurate and complete.
Order Confirmation: After placing an order, you will receive an email confirmation with your order details. This email is acknowledgment that we have received your order and does not constitute acceptance of your order. We reserve the right to accept or decline your order for any reason.
Digital Content: Upon successful payment, you will be granted access to the digital content or online courses you have purchased. Access may be provided through our website, via email, or through a designated learning platform.
License: Upon purchase, we grant you a limited, non-exclusive, non-transferable license to access and use the purchased Products for your personal, non-commercial use. This license does not include the right to:
Access Period: Unless specifically stated otherwise, access to digital Products is provided for the period specified at the time of purchase. Some Products may offer lifetime access, which means for as long as the Product is maintained and offered by Jolfuritis.
Account Sharing: Your purchase is for individual use only. Sharing account credentials or providing unauthorized access to Products to others is strictly prohibited and may result in account termination without refund.
All Content included on our website or within our Products, including text, graphics, logos, images, audio, video, data, and software, is the property of Jolfuritis or our licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not use, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, or otherwise exploit our Content, except as expressly permitted in these Terms and Conditions or with our prior written consent.
Trademarks, service marks, and logos used and displayed on our website or within our Products are registered or unregistered trademarks of Jolfuritis or third parties. Nothing in these Terms and Conditions grants you any right to use any trademarks, service marks, or logos without our prior written consent or the consent of the relevant third-party owner.
Our website or Products may allow you to submit, upload, publish, or otherwise make available content such as comments, reviews, or materials for discussion forums ("User Content"). By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in any media.
You represent and warrant that:
We reserve the right to remove any User Content that, in our judgment, violates these Terms and Conditions or is otherwise objectionable.
When using our website, Products, or Services, you agree not to:
General Disclaimer: Our website, Products, and Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising out of course of dealing or usage of trade.
Educational Content Disclaimer: The Content provided in our Products is for educational and informational purposes only and is not intended as financial, investment, legal, tax, or other professional advice. We do not guarantee any specific results from the use of our Products. Before making any financial or investment decisions, you should consult with a qualified professional.
Income Disclaimer: We make no guarantees or promises regarding financial outcomes or income that may result from using our Products. Any financial or income examples should be considered as illustrative only and not as guarantees, promises, or projections of future earnings.
Testimonials Disclaimer: Testimonials displayed on our website or within our Products represent the opinions of individuals and do not guarantee that you will achieve similar results.
To the maximum extent permitted by law, Jolfuritis, its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or in connection with your access to or use of our website, Products, or Services, whether based on contract, tort, negligence, strict liability, or otherwise.
In no event shall our aggregate liability for any claims arising out of or related to these Terms and Conditions exceed the total amount paid by you to us for Products or Services during the six months preceding the event giving rise to the liability.
Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you.
You agree to indemnify, defend, and hold harmless Jolfuritis, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising from or relating to:
We may, in our sole discretion, terminate or suspend your access to or use of our website, Products, or Services at any time and for any reason, including but not limited to your breach of these Terms and Conditions, without prior notice or liability.
Upon termination, your right to access and use our website, Products, and Services will immediately cease. All provisions of these Terms and Conditions that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, indemnification, and limitations of liability.
We reserve the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our website, Products, or Services following the posting of revised Terms and Conditions means that you accept and agree to the changes.
We encourage you to periodically review these Terms and Conditions to stay informed of our practices.
These Terms and Conditions shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of laws principles.
Any dispute arising from or relating to these Terms and Conditions or your access to or use of our website, Products, or Services shall be resolved through binding arbitration in accordance with the rules of the Ghana Arbitration Centre. The arbitration shall take place in Sekondi, Ghana, and shall be conducted in English.
Any claim must be brought on an individual basis and not as part of a class or consolidated action.
Entire Agreement: These Terms and Conditions constitute the entire agreement between you and Jolfuritis regarding your access to and use of our website, Products, and Services, and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral.
Waiver: Our failure to exercise or enforce any right or provision of these Terms and Conditions shall not operate as a waiver of such right or provision.
Severability: If any provision of these Terms and Conditions is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.
Assignment: You may not assign your rights or obligations under these Terms and Conditions without our prior written consent. We may assign our rights and obligations under these Terms and Conditions without restriction.
Force Majeure: We shall not be liable for any failure to perform our obligations under these Terms and Conditions where such failure results from any cause beyond our reasonable control, including but not limited to natural disasters, acts of government, civil unrest, pandemic, or technological failures.
If you have any questions about these Terms and Conditions, please contact us at:
Jolfuritis
11 Market Circle, Sekondi, Ghana
Email: [email protected]
Phone: +233 50 881 6224