Last Updated: April 13, 2025
Welcome to FinLitGhana. These Terms of Use ("Terms") govern your access to and use of the FinLitGhana website (the "Site") and all services offered by FinLitGhana, including but not limited to financial literacy courses, workshops, resources, and related content (collectively, the "Services").
Please read these Terms carefully before using our Site or Services. By accessing or using our Site or Services, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
By accessing or using our Site or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Site or Services.
We reserve the right to modify these Terms at any time. Your continued use of the Site or Services after any such changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically.
You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that:
If you are using our Services on behalf of a company, organization, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, in which case "you" will refer to that entity.
To access certain features of our Services, you may need to register for an account. When you register, you agree to provide accurate, current, and complete information about yourself and to update such information as necessary to keep it accurate, current, and complete.
You are responsible for safeguarding 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 cannot and will not be liable for any loss or damage arising from your failure to comply with these requirements.
We reserve the right to disable any user account, at any time, in our sole discretion for any or no reason, including if we believe that you have violated these Terms.
FinLitGhana provides financial literacy education and resources designed to help Ghanaians improve their financial knowledge and skills. Our Services may include:
We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time, with or without notice. We will not be liable to you or to any third party for any modification, suspension, or discontinuation of any part of the Services.
Educational Purpose Only: Our Services are provided for educational and informational purposes only. We do not provide personalized financial advice, and the content of our courses and materials should not be construed as financial, investment, tax, or legal advice. You should consult with qualified professionals regarding your specific financial situation.
Some of our Services may require payment of fees. All fees are stated in Ghanaian Cedis (GHS) unless otherwise specified.
By providing a payment method, you represent that you are authorized to use the payment method you provide and authorize us to charge your payment method for the Services you purchase.
Payment terms for specific Services will be provided at the time of purchase. By completing your purchase, you agree to those specific terms.
Our refund policy will be provided at the time of purchase for each Service. Generally, we may offer refunds within a specified period after purchase if you are not satisfied with the Service, subject to certain conditions.
To request a refund, please contact us at [email protected] with your purchase details and reason for the refund request.
All content on our Site and in our Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, software, and course materials, is the property of FinLitGhana or our content suppliers and is protected by Ghanaian and international copyright and intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Site and Services for your personal, non-commercial use only. This license does not include:
Any use of our Site or Services not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other intellectual property laws.
Our Services may allow you to post, submit, or share content, such as comments, forum posts, or assignments ("User Content"). You retain ownership of your User Content, but by posting, submitting, or sharing User Content, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content in connection with our Site and Services.
You represent and warrant that:
We reserve the right to remove any User Content that, in our judgment, violates these Terms or may be offensive, illegal, or violate the rights of any person. We also reserve the right to terminate a user's access to any or all parts of the Services for posting User Content that violates these Terms.
You agree not to:
YOUR USE OF OUR SITE AND SERVICES IS AT YOUR SOLE RISK. OUR SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
FINLITGHANA 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.
FINLITGHANA MAKES NO WARRANTY THAT:
Educational Content Disclaimer: The financial education content provided through our Services is for general informational and educational purposes only and is not intended as financial, investment, tax, or legal advice. The content may not be appropriate for your specific circumstances. We do not guarantee any specific results from following the guidance provided in our educational content. You should consult with qualified professionals regarding your specific financial situation.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL FINLITGHANA, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, OUR SITE OR SERVICES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
You agree to defend, indemnify, and hold harmless FinLitGhana, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of our Site or Services, including, but not limited to, your User Content, any use of our Site's or Service's content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from our Site or Services.
We may terminate or suspend your access to all or part of our Site or Services, with or without notice, for any conduct that we, in our sole discretion, believe violates these Terms or is harmful to other users of our Site or Services, to us, or to third parties, or for any other reason.
Upon termination, your right to use our Site and Services will immediately cease. If your access to our Services is terminated, we may, in our sole discretion, delete any of your User Content. All provisions of these Terms that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Ghana, without giving effect to any choice or conflict of law provision or rule.
Any legal suit, action, or proceeding arising out of, or related to, these Terms or our Site or Services shall be instituted exclusively in the courts of Ghana, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of our Site and Services thereafter.
Your continued use of our Site or Services following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.
If you have any questions about these Terms, please contact us at:
FinLitGhana
123 Financial Street
Accra Central
Accra, Ghana
Email: [email protected]
Phone: +233 30 000 0000