Terms of Service

1. Introduction

Welcome to Saveloysucd. These Terms of Service ("Terms") govern your use of our website located at saveloysucd.com ("Site") and the services offered through our platform, including training programs, workshops, and financial education services (collectively, "Services").

By accessing our Site or using our Services, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Site or use our Services.

2. Service Description

Saveloysucd provides comprehensive training focused on creating consistent saving habits, emergency funds, and simple investment practices for long-term financial stability. Our Services may include, but are not limited to:

• In-person and virtual workshops on financial topics
• Educational content on saving and wealth-building strategies
• One-on-one financial coaching sessions
• Community forums and support networks
• Financial planning tools and resources

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time, including the availability of any features, without notice or liability.

3. User Eligibility

To use our Services, you must be at least 18 years of age and capable of forming a binding contract. By using our Services, you represent and warrant that you meet these eligibility requirements. If you are using the Services on behalf of a company or organization, you represent and warrant that you have the authority to bind that entity to these Terms.

4. Account Registration and Security

Some of our Services may require you to create an account. When you register for an account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to immediately notify Saveloysucd of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with this section.

5. Payment Terms

Certain Services may require payment of fees. All fees are quoted in Ghana Cedi (GHS) unless otherwise stated. You agree to pay all fees associated with the Services you select.

We use third-party payment processors to handle all financial transactions. By providing your payment information, you authorize us to charge the applicable fees through the designated payment method.

Refunds may be available as specified in our refund policy for each specific Service. Generally, workshop fees are non-refundable within 48 hours of the scheduled event.

6. User Conduct

When using our Services, you agree not to:

• Violate any applicable laws or regulations
• Infringe on the intellectual property rights of others
• Transmit any material that is defamatory, offensive, or otherwise objectionable
• Attempt to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running our Services
• Use our Services for any commercial solicitation purposes without our express consent
• Impersonate another person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity
• Collect or track the personal information of others

7. Intellectual Property

All content included on the Site and in our Services, such as text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of Saveloysucd or its content suppliers and is protected by international copyright laws.

We grant you a limited, non-exclusive, non-transferable license to access and use the content for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any content without our express written permission.

8. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis. Saveloysucd expressly disclaims 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.

While we strive to provide accurate financial education, we do not guarantee that the information we provide is accurate, complete, or up-to-date. The educational content provided through our Services is for informational purposes only and should not be construed as financial or investment advice. We recommend consulting with a qualified professional before making any financial decisions.

9. Limitation of Liability

To the maximum extent permitted by law, Saveloysucd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Services
• Any conduct or content of any third party on the Services
• Any content obtained from the Services
• Unauthorized access, use, or alteration of your transmissions or content

Our total liability for any claim arising out of or relating to these Terms or our Services shall not exceed the amount paid by you to Saveloysucd during the six-month period preceding such claim.

10. Indemnification

You agree to defend, indemnify, and hold harmless Saveloysucd, its officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Services, your violation of these Terms, or your violation of any third-party rights.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located in Kumasi, Ghana for the resolution of any disputes arising out of or relating to these Terms or our Services.

12. Changes to Terms

We reserve the right to modify these Terms at any time. If we make material changes to these Terms, we will notify you by email or through a notice on our Site. Your continued use of the Services after such notification constitutes your acceptance of the modified Terms.

13. Contact Information

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

Saveloysucd
12 Adum Road
Kumasi, Ghana
Phone: +233 32 202 7749
Email: [email protected]

14. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including, without limitation, if you breach these Terms. Upon termination, your right to use the Services will immediately cease.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.

Last updated: May 15, 2023