Terms of Use

Last Updated: April 13, 2025

Introduction

Welcome to FinLitGhana. These Terms of Use govern your use of our website located at finlitghana.org (the "Website") and all related services offered by FinLitGhana ("we," "our," or "us").

By accessing or using the Website, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you may not access the Website.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms of Use:

  • "Website" refers to FinLitGhana, accessible from finlitghana.org
  • "Service" refers to the Website and all services offered by FinLitGhana.
  • "You" means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
  • "Content" means all information, text, graphics, logos, photographs, audio, video, and data that we make available through the Service.
  • "User Content" means content that you submit or transmit to, through, or in connection with the Service, such as comments, feedback, or suggestions.

Use of the Website

License

Subject to these Terms of Use, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for your personal, non-commercial use.

Restrictions

You agree not to, and will not permit others to:

  • Use the Website for any illegal purpose or in violation of any local, state, national, or international law.
  • Violate or encourage others to violate the rights of third parties, including intellectual property rights.
  • Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, embarrassing, hateful, or otherwise inappropriate.
  • Interfere with security-related features of the Website.
  • Interfere with the operation of the Website or any user's enjoyment of the Website.
  • Use any robot, spider, scraper, or other automated means to access the Website.
  • Decompile, reverse engineer, or otherwise attempt to obtain the source code or underlying ideas or information of or relating to the Website.

Intellectual Property

Our Content

The Website and its original content, features, and functionality are owned by FinLitGhana and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Trademarks

The FinLitGhana name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of FinLitGhana or its affiliates or licensors. You must not use such marks without our prior written permission.

User Content

By submitting User Content to the Website, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Content in connection with the Website and our business, including for promoting and redistributing part or all of the Website.

You represent and warrant that you own or have the necessary rights to submit the User Content and that the User Content does not violate the rights of any third party.

Disclaimer of Warranties

THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE MAKE NO WARRANTY THAT:

  • THE WEBSITE WILL MEET YOUR REQUIREMENTS.
  • THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
  • THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE WILL BE ACCURATE OR RELIABLE.
  • THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE WEBSITE WILL MEET YOUR EXPECTATIONS.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINLITGHANA, ITS AFFILIATES, OR THEIR DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

  • YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE WEBSITE.
  • ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE WEBSITE.
  • ANY CONTENT OBTAINED FROM THE WEBSITE.
  • UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.

Financial Information Disclaimer

The financial information provided on the Website is for general informational and educational purposes only and is not intended as financial advice. We do not provide personalized financial advice through the Website.

Before making any financial decisions, we recommend consulting with qualified financial professionals who can provide advice tailored to your specific circumstances, goals, and needs.

The information on the Website may not be suitable for all individuals. Financial decisions involve risk, and past performance is not indicative of future results.

External Links

The Website may contain links to third-party websites or services that are not owned or controlled by FinLitGhana.

FinLitGhana has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that FinLitGhana shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

Termination

We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Use.

All provisions of the Terms of Use which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Governing Law

These Terms of Use shall be governed and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms of Use will not be considered a waiver of those rights. If any provision of these Terms of Use is held to be invalid or unenforceable by a court, the remaining provisions of these Terms of Use will remain in effect.

Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms of Use at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Website.

Contact Us

If you have any questions about these Terms of Use, please contact us at:

FinLitGhana
14 Independence Avenue
Accra, Ghana
Email: [email protected]
Phone: +233 302 123456