Terms of Service

Last Updated: November 15, 2023

1. Introduction

Welcome to Corvinasucd ("we," "our," or "us"). By accessing or using our website, mobile applications, or any of our services, you agree to be bound by these Terms of Service ("Terms"). Please read these Terms carefully before using our services.

These Terms constitute a legally binding agreement between you and Corvinasucd regarding your use of our website located at www.corvinasucd.org and all related services, including our Debt-Free Lifestyle Program, financial education resources, and any other services we may offer (collectively, the "Services").

2. Eligibility

By using our Services, you represent and warrant that:

  • You are at least 18 years old;
  • You have the legal capacity to enter into a binding agreement with Corvinasucd;
  • You will comply with these Terms and all applicable local, state, national, and international laws, rules, and regulations.

If you are using our Services on behalf of a business, 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.

3. Account Registration and Security

Some of our Services may require you to create an account. When registering for an account, you agree to provide accurate, current, and complete information. You are solely 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.

We reserve the right to disable any user account at any time if, in our opinion, you have failed to comply with these Terms or if we believe your account is being used fraudulently.

4. Services and Program Content

Our Services include financial education resources, debt management strategies, budgeting tools, and related content designed to help individuals achieve financial freedom. While we strive to provide accurate and helpful information, we do not guarantee specific outcomes or results from using our Services.

Corvinasucd is not a financial institution, investment advisor, or credit counseling agency. The information provided through our Services is for educational purposes only and should not be construed as professional financial advice. We strongly recommend consulting with qualified financial professionals regarding your specific financial situation.

5. Intellectual Property Rights

All content on our website and in our Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Corvinasucd or our content suppliers and is protected by international copyright laws.

The compilation of all content on our website is the exclusive property of Corvinasucd and is protected by international copyright laws. All trademarks, service marks, trade names, and logos used on our website are the property of Corvinasucd or their respective owners.

You may not use, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as follows:

  • Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials;
  • You may store files that are automatically cached by your web browser for display enhancement purposes;
  • You may print or download one copy of a reasonable number of pages of the website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.

6. User Content

Our Services may allow you to submit, upload, publish or otherwise make available content such as testimonials, comments, or feedback ("User Content"). You retain all rights in, and are solely responsible for, the User Content you submit.

By submitting User Content, you grant Corvinasucd a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, distribute, and display such User Content in connection with providing our Services.

You represent and warrant that:

  • You own or have the necessary rights to submit your User Content;
  • Your User Content does not violate the privacy rights, publicity rights, copyright rights, or other rights of any person;
  • Your User Content does not contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.

7. Prohibited Activities

You agree not to use our Services for any purpose that is unlawful or prohibited by these Terms. You may not:

  • Use our Services in any way that could disable, overburden, damage, or impair our website or interfere with any other party's use of our Services;
  • Use any robot, spider, or other automatic device, process, or means to access our Services for any purpose, including monitoring or copying any of the material on our website;
  • Use any manual process to monitor or copy any of the material on our website or for any other unauthorized purpose;
  • Use any device, software, or routine that interferes with the proper working of our Services;
  • Introduce any viruses, Trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful;
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of our Services, the server on which our website is stored, or any server, computer, or database connected to our website;
  • Attack our website via a denial-of-service attack or a distributed denial-of-service attack;
  • Otherwise attempt to interfere with the proper working of our Services.

8. Payment Terms

Some of our Services may require payment. By enrolling in paid programs or services, you agree to pay all fees associated with such Services. All fees are quoted in the local currency applicable to your location and are subject to change at any time.

You may be required to provide a valid payment method to access paid Services. You authorize us to charge your payment method for all fees incurred by you. If your payment cannot be processed, we may suspend or terminate your access to the paid Services.

Unless otherwise stated, all fees are non-refundable. However, we may provide refunds in certain circumstances at our sole discretion.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Corvinasucd and its officers, directors, employees, partners, agents, suppliers, and affiliates shall not 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 our Services;
  • Any conduct or content of any third party on our Services;
  • Any content obtained from our Services;
  • Unauthorized access, use, or alteration of your transmissions or content;
  • Financial decisions made based on information provided through our Services.

In no event shall Corvinasucd's total liability to you for all claims related to the Services exceed the amount paid by you, if any, for accessing our Services during the twelve (12) months preceding the event giving rise to the liability.

10. Disclaimer of Warranties

Your use of our Services is at your sole risk. Our Services are provided on an "AS IS" and "AS AVAILABLE" basis. Corvinasucd 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.

Corvinasucd makes no warranty that:

  • Our Services will meet your requirements;
  • Our Services will be uninterrupted, timely, secure, or error-free;
  • The results obtained from using our Services will be accurate or reliable;
  • The quality of any products, services, information, or other material purchased or obtained by you through our Services will meet your expectations;
  • Any errors in our Services will be corrected.

Financial information provided through our Services is for general informational purposes only and should not be considered personalized financial advice. We do not guarantee that implementing our strategies will improve your financial situation or eliminate your debt.

11. Indemnification

You agree to defend, indemnify, and hold harmless Corvinasucd and its officers, directors, employees, partners, agents, suppliers, and affiliates 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.

12. Term and Termination

These Terms shall remain in full force and effect while you use our Services. We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use our Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any changes by posting the updated Terms on our website. Your continued use of our Services following the posting of revised Terms means that you accept and agree to the changes.

We encourage you to periodically review these Terms for changes. Material changes to these Terms will be effective upon the earlier of (1) your continued use of our Services following the posting of the revised Terms, or (2) 30 days after the changes are posted.

14. 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. Any legal action or proceeding arising out of or related to these Terms or your use of our Services shall be exclusively brought in the courts located in Tamale, Ghana, and you consent to the personal jurisdiction of such courts.

15. Contact Information

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

Corvinasucd
9 Tamale Main Road
Tamale, Ghana
Email: [email protected]
Phone: +233 37 209 5528