Terms of Service

1. Introduction

Welcome to Emilineucd. These Terms of Service ("Terms") govern your use of the Emilineucd website, located at www.emilineucd.com, and all related services provided by Emilineucd ("we," "us," or "our"). By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

2. Definitions

"Services" refers to financial education, training, resources, and related content provided by Emilineucd.

"User," "you," and "your" refers to individuals accessing or using our Services.

"Content" refers to all materials, information, documents, resources, and educational materials provided through our Services.

3. Use of Services

Our Services are intended for educational and informational purposes only. The financial information provided is not intended as investment, tax, or legal advice. We recommend consulting with a qualified financial advisor, accountant, or attorney before making any financial decisions.

You agree to use our Services solely for lawful purposes and in accordance with these Terms. You agree not to use our Services:

• In any way that violates applicable laws or regulations
• To transmit any material that is defamatory, offensive, or otherwise objectionable
• To impersonate or attempt to impersonate Emilineucd, an Emilineucd employee, or any other person
• To engage in any conduct that restricts or inhibits anyone's use of the Services

4. Registration and Account Security

Some portions of our Services may require registration or the creation of an account. You agree to provide accurate and complete information during the registration process and to update such information to keep it accurate and current.

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.

5. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, button icons, images, audio clips, data compilations, and software, are the property of Emilineucd or our content suppliers and are protected by Ghanaian and international copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, or otherwise use any material from our Services without our prior written consent, except for:

• Temporary storage in your computer's memory incidental to your personal, non-commercial use
• Printing or downloading one copy of a reasonable number of pages for your personal, non-commercial use
• Such other uses as we may specifically authorize in writing

6. Privacy

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.

7. Payment Terms

If you enroll in any paid Services, you agree to pay the fees as specified at the time of enrollment. All fees are in Ghanaian Cedis unless otherwise specified and are non-refundable except as required by law or as explicitly stated in our refund policy.

By providing a payment method, you authorize us to charge you for all fees associated with your enrollment in our Services and any applicable taxes.

8. Disclaimers

OUR SERVICES AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY 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, AND NON-INFRINGEMENT.

We do not guarantee that our Services will be secure, error-free, or available at any particular time or location. We reserve the right to modify, suspend, or discontinue all or any part of our Services at any time without notice.

The financial information provided through our Services is for educational and informational purposes only and should not be construed as professional financial advice. Financial markets are subject to fluctuation, and past performance is not indicative of future results.

9. Limitation of Liability

IN NO EVENT WILL EMILINEUCD, 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 SERVICES OR ANY CONTENT OBTAINED THROUGH OUR SERVICES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

10. Indemnification

You agree to defend, indemnify, and hold harmless Emilineucd, its affiliates, and their respective officers, directors, employees, contractors, agents, licensors, and suppliers 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 Services.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting the updated Terms on our website. Your continued use of our Services after the posting of revised Terms means that you accept and agree to the changes.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms or your use of our Services shall be brought exclusively in the courts of Ghana, and you consent to the personal jurisdiction of such courts.

13. Contact Information

For questions about these Terms, please contact us at:

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent necessary so that the remaining provisions of the Terms will continue in full force and effect.