1. Introduction
Welcome to Devorative ("Company", "we", "our", "us"). These Terms of Service ("Terms", "Terms of Service") govern your use of our website located at devorative.com (together or individually "Service") operated by Devorative.
Our Privacy Policy also governs your use of our Service and explains how we collect, safeguard and disclose information that results from your use of our web pages. Your agreement with us includes these Terms and our Privacy Policy ("Agreements"). You acknowledge that you have read and understood Agreements, and agree to be bound by them.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.
2. Services Provided
Devorative provides financial education resources, tools, and guidance to help individuals improve their financial literacy and money management skills. Our services include but are not limited to:
- Downloadable financial worksheets and templates
- Mobile app tutorials and recommendations
- Online financial education resources
- Financial habit-building guides
- In-person and virtual coaching sessions (by appointment)
We reserve the right to modify, suspend or discontinue, temporarily or permanently, the Service or any service to which it connects, with or without notice and without liability to you.
3. Intellectual Property
The Service and its original content (excluding Content provided by users), features and functionality are and will remain the exclusive property of Devorative and its licensors. The Service is protected by copyright, trademark, and other laws of both Ghana and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Devorative.
All materials provided through our website, including worksheets, templates, guides, and other resources, are for personal, non-commercial use only. You may not modify, reproduce, distribute, create derivative works from, or commercially exploit any content without express written permission from Devorative.
4. User Accounts
When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.
You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.
You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
5. Financial Disclaimer
The information provided on our website and through our services is for general informational and educational purposes only. It is not intended as financial advice, and should not be construed as such.
Before making any financial decisions, you should consult with a qualified financial professional. We do not guarantee any specific results from following our recommendations, and individual results may vary based on personal circumstances, market conditions, and other factors.
Devorative is not responsible for any financial losses or damages resulting from reliance on the information provided through our services.
6. User Submissions
Any content you submit to our website, including comments, feedback, suggestions, or testimonials, may be used by Devorative at our discretion. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute your content in any existing or future media formats.
You represent and warrant that you own or control all rights to the content you submit, and that your content does not violate any third-party rights or applicable laws.
7. Prohibited Uses
You agree not to use the Service:
- In any way that violates any applicable national or international law or regulation.
- To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letter," "spam," or any other similar solicitation.
- To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity.
- To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service, or which may harm the Company or users of the Service or expose them to liability.
- To republish, redistribute, or resell any materials downloaded from our website without proper attribution and permission.
8. Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall Devorative, its affiliates, agents, directors, employees, suppliers, 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, that result from the use of, or inability to use, the service.
In no event will our liability exceed the amount you have paid to us in the last six-month period, or if no payments have been made, the amount of fifty Ghana Cedis (GHS 50).
9. Governing Law
These Terms shall be governed and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
10. 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 try to 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 Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.
11. Contact Us
If you have any questions about these Terms, please contact us:
- By email: [email protected]
- By phone: +233 32 204 5590
- By mail: 15 Harper Crescent, Kumasi, Ghana