1. Introduction

Welcome to Conglutinativeruo. These Terms of Service ("Terms") govern your use of our website located at www.conglutinativeruo.org (the "Website") and the family finance education services offered through our platform (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Services.

2. Services Description

Conglutinativeruo provides family finance education services including but not limited to household money management training, family budgeting workshops, and education financial planning. Our services are designed to provide information and education only. We do not provide personalized financial advice, investment recommendations, or act as financial advisors in any regulated capacity.

All materials, content, and information provided through our Services are for educational and informational purposes only. The content is not intended to be a substitute for professional financial advice, consultation with a registered financial advisor, or other regulated services.

3. User Eligibility

Our Services are available only to individuals who are at least 18 years old. By accessing or using our Services, you represent and warrant that you are at least 18 years old and that you have the legal capacity to enter into these Terms. If you are accessing our Services on behalf of an organization or entity, you represent and warrant that you have the authority to bind such organization or entity to these Terms.

4. User Accounts

Some features of our Services may require you to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information 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 reserve the right to suspend or terminate your account at any time and for any reason, including but not limited to violation of these Terms, without notice or liability to you.

5. User Conduct

When using our Services, you agree not to:

• Use our Services in any way that violates any applicable laws or regulations
• Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity
• Interfere with or disrupt the operation of our Services or servers or networks connected to our Services
• Attempt to gain unauthorized access to any portion of our Services, other accounts, computer systems, or networks connected to our Services
• Use our Services for any purpose that is fraudulent, unlawful, or prohibited by these Terms
• Harvest or collect personally identifiable information from our Services without explicit consent
• Use our Services to transmit or distribute malware, spyware, or any other malicious code

6. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of Conglutinativeruo or its licensors and are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our Services for your personal, non-commercial use. This license does not include the right to:

• Modify, reproduce, distribute, or create derivative works based on our Services
• Frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information
• Use any meta tags, hidden text, or any other "hidden text" utilizing our name or trademarks
• Remove any copyright, trademark, or other proprietary notices from our Services

7. Third-Party Links

Our Services may contain links to third-party websites or services that are not owned or controlled by Conglutinativeruo. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Conglutinativeruo shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

8. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and disclose information about you. By using our Services, you agree to the collection, use, and disclosure of your information as described in our Privacy Policy.

9. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Conglutinativeruo, its affiliates, directors, employees, agents, or licensors be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to your use of or inability to use the Services.

To the maximum extent permitted by applicable law, Conglutinativeruo assumes no liability or responsibility for:

• Any errors, mistakes, or inaccuracies of content
• Any personal injury or property damage resulting from your access to or use of our Services
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any interruption or cessation of transmission to or from our Services
• Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Services

10. Indemnification

You agree to defend, indemnify, and hold harmless Conglutinativeruo, 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 the Services.

11. 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 the Services shall be exclusively brought in the courts of Ghana, and you consent to the personal jurisdiction and venue of such courts.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Services.

13. Contact Information

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

Conglutinativeruo
22 Tamale Central Road
Tamale, Ghana
Phone: +233 37 209 5534
Email: [email protected]