1. Acceptance of Terms

By accessing and using Kakistocracies' website, programs, resources, and services (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. These Terms constitute a legally binding agreement between you and Kakistocracies regarding your use of the Services.

If you are using our Services on behalf of a business or organization, you represent and warrant that you have the authority to bind that business or organization to these Terms and that you agree to these Terms on behalf of that business or organization.

2. Description of Services

Kakistocracies provides educational services focused on credit score awareness, debt management, and responsible borrowing. Our Services include but are not limited to:

• Educational workshops and training sessions
• Online and printed educational resources
• Financial planning tools and templates
• One-on-one consultations (where explicitly offered)
• Community events and seminars

While we strive to provide accurate and up-to-date information, our Services are for educational purposes only and should not be considered financial, legal, or professional advice. We recommend consulting with qualified professionals for specific advice tailored to your situation.

3. User Registration and Accounts

Some of our Services may require registration or the creation of an account. When registering, you agree to provide accurate, current, and complete information. 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. Kakistocracies will not be liable for any loss or damage arising from your failure to comply with this provision.

We reserve the right to terminate or suspend accounts that violate these Terms or remain inactive for an extended period.

4. Payment and Fees

Certain Services offered by Kakistocracies may require payment. All fees are stated in Ghanaian Cedis (GHS) unless otherwise specified. Payment terms will be clearly communicated before you register for paid Services.

By providing payment information, you represent and warrant that you are authorized to use the payment method and agree to pay all fees and applicable taxes. Fees may change at any time, but changes will not apply retroactively to previously confirmed registrations.

Refunds are available according to our Refund Policy, which is incorporated into these Terms by reference.

5. Intellectual Property Rights

All content on our website and in our training materials, including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Kakistocracies or its content suppliers and is protected by Ghanaian and international copyright and intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal, non-commercial purposes related to your educational goals. You may not:

• Modify, copy, reproduce, republish, upload, post, transmit, or distribute any materials from our Services
• Use our content for commercial purposes without express written permission
• Remove any copyright, trademark, or other proprietary notices
• Transfer the materials to another person or "mirror" the materials on any other server

Unauthorized use of our intellectual property may violate copyright, trademark, and other laws.

6. User Conduct

When using our Services, you agree not to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Share inappropriate, offensive, or harmful content
• Attempt to gain unauthorized access to our systems or user accounts
• Use our Services to transmit any viruses, malware, or other harmful code
• Interfere with or disrupt the functionality of our Services
• Collect or harvest personal information about other users without their consent
• Impersonate any person or entity or falsely state or misrepresent your affiliation

We reserve the right to remove any content that violates these Terms and to terminate or suspend access to our Services for users who violate these Terms.

7. Privacy Policy

Our Privacy Policy describes how we collect, use, and share information about you when you use our Services. By using our Services, you consent to our collection and use of information as described in our Privacy Policy.

Our Privacy Policy is incorporated into these Terms by reference. You can review our Privacy Policy here.

8. Disclaimers and Limitation of Liability

Our Services are provided on an "as is" and "as available" basis without warranties of any kind. Kakistocracies disclaims all warranties, express or implied, 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 meet your specific requirements
• Our Services will be uninterrupted, timely, secure, or error-free
• The results obtained from using our Services will be accurate or reliable
• Any errors in our content or Services will be corrected

To the maximum extent permitted by law, Kakistocracies shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from or in connection with your use of or inability to use our Services.

In no event will our total liability to you for all claims exceed the amounts paid by you to Kakistocracies for the Services during the twelve (12) months prior to the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless Kakistocracies, its officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from your violation of these Terms or any activity related to your account (including negligent or wrongful conduct).

10. Changes to These Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the updated Terms on our website and updating the "Last Updated" date at the top of these Terms.

Your continued use of our Services after such changes constitutes your acceptance of the new Terms. If you do not agree to the modified Terms, you should discontinue your use of our Services.

11. Termination

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 which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

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 dispute arising under these Terms shall be resolved exclusively by the courts located in Ghana. You consent to the personal jurisdiction of such courts.

13. Miscellaneous

Entire Agreement: These Terms constitute the entire agreement between you and Kakistocracies regarding your use of our Services and supersede all prior agreements and understandings.

Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Severability: 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.

Assignment: You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign or transfer these Terms without your consent.

Force Majeure: Kakistocracies will not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, civil unrest, embargoes, or acts of civil or military authorities.

14. Contact Information

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

Kakistocracies
20 Chapel Hill Road
Takoradi, Ghana
Phone: +233 31 202 7704
Email: [email protected]