Welcome to Froakatile. These Terms and Conditions ("Terms") govern your access to and use of our website, products, and services. Please read these Terms carefully before using our website or making any purchases.
By accessing our website, purchasing our products, or using our 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.
In these Terms:
Some features of our Website may require you to register an account. When you register, you agree to:
We reserve the right to suspend or terminate accounts that violate these Terms or that have been inactive for an extended period.
3.1. Product Information: We make every effort to ensure that our Products are described accurately on our Website. However, we do not warrant that product descriptions or other content on the Website are accurate, complete, reliable, current, or error-free.
3.2. Educational Nature: Our Products and Services are educational in nature. They provide information, tools, and techniques related to financial education but do not constitute financial advice, investment advice, or a recommendation to make any specific financial decision.
3.3. No Guaranteed Results: While we strive to provide high-quality educational materials, we make no guarantees about the results you may achieve from using our Products or Services. Financial outcomes depend on various factors, including individual circumstances, market conditions, and personal implementation of concepts taught.
3.4. Digital Products: For digital Products, we grant you a personal, non-exclusive, non-transferable license to use the content for personal educational purposes only. You may not reproduce, distribute, modify, create derivative works of, publicly display, or sell any content obtained through our Products or Services.
4.1. Order Acceptance: Your order is an offer to purchase a Product or Service. We reserve the right to accept or decline any order for any reason.
4.2. Pricing: All prices are displayed in Ghana Cedis (GH₵) and are inclusive of applicable taxes unless otherwise stated. We reserve the right to change prices at any time without notice.
4.3. Payment Methods: We accept various payment methods as indicated on our Website. By providing payment information, you represent and warrant that you have the legal right to use the payment method provided.
4.4. Payment Processing: Payments are processed through secure third-party payment processors. We do not store your complete payment information on our servers.
5.1. Physical Products: For physical Products, estimated delivery times are provided at checkout. We are not responsible for delays due to customs, postal services, or other circumstances beyond our control.
5.2. Digital Products: For digital Products, access will typically be provided immediately after payment confirmation or within 24 hours via email or through your account on our Website.
5.3. Shipping Costs: Shipping costs, where applicable, will be displayed at checkout and are based on delivery location and selected shipping method.
5.4. Risk of Loss: The risk of loss and title for physical Products pass to you upon our delivery to the carrier.
Our refund policy is outlined in our separate Refund Policy, which forms part of these Terms.
7.1. Ownership: All content on our Website and in our Products and Services, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Froakatile or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws.
7.2. Limited License: We grant you a limited, non-exclusive, non-transferable license to access and make personal use of our Website and to use the Products and Services you purchase. This license does not include:
7.3. Trademarks: "Froakatile" and all related logos, product and service names, designs, and slogans are trademarks of Froakatile or its affiliates. You may not use such marks without our prior written permission.
When using our Website, Products, or Services, you agree not to:
9.1. Disclaimer of Warranties: OUR WEBSITE, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
9.2. Financial Disclaimer: THE INFORMATION PROVIDED IN OUR PRODUCTS AND SERVICES IS FOR EDUCATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS FINANCIAL ADVICE. WE ARE NOT FINANCIAL ADVISORS, INVESTMENT ADVISORS, OR FINANCIAL PLANNERS. ALWAYS CONSULT WITH A QUALIFIED FINANCIAL PROFESSIONAL BEFORE MAKING IMPORTANT FINANCIAL DECISIONS.
9.3. Limitation of Liability: TO THE FULLEST EXTENT PERMITTED BY LAW, FROAKATILE 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 THE USE OF OR INABILITY TO USE OUR WEBSITE, PRODUCTS, OR SERVICES.
9.4. Cap on Liability: IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED THE AMOUNT PAID BY YOU TO FROAKATILE FOR THE APPLICABLE PRODUCT OR SERVICE.
You agree to indemnify, defend, and hold harmless Froakatile, its officers, directors, employees, agents, and affiliates 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 our Website, Products, or Services, or your violation of these Terms.
Our Website may contain links to third-party websites or services that are not owned or controlled by Froakatile. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Froakatile shall not be responsible or liable for any damage or loss caused or alleged to be caused by or in connection with the use of any such content, goods, or services available on or through any such websites or services.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our Website. Your continued use of our Website, Products, or Services after any changes to the Terms constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically to stay informed of any updates.
We may terminate or suspend your account and access to our Website, Products, or Services immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use our Website, Products, and Services will immediately cease.
These Terms shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts located in Ghana.
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent possible under law.
We shall not be liable for any failure to perform our obligations hereunder where such failure results from any cause beyond our reasonable control, including, without limitation, mechanical, electronic, or communications failure or degradation, acts of God, terrorism, pandemic, or government restrictions.
These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Froakatile regarding your use of our Website, Products, and Services, superseding any prior agreements between you and Froakatile.
If you have any questions about these Terms, please contact us at:
Froakatile
25 Beach Road
Cape Coast, Ghana
Phone: +233 26 994 1172
Email: [email protected]
UK Office: Flat 17q Graham Extension, South Yvette RG27 8PG
UK Phone: +44 327 384 9954
Last Updated: April 28, 2024