Last Updated: July 10, 2024
These Terms and Conditions ("Terms") govern your access to and use of qandizarde.com and its related subdomains (collectively, the "Site"), as well as the purchase and use of any products or services offered by Qandizarde ("we," "our," or "us").
By accessing or using the Site, or by purchasing our financial education products, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access the Site or purchase our products.
You must be at least 18 years old to access or use our Site, or to purchase our products. By using our Site, you represent and warrant that you are at least 18 years old.
To access certain features of the Site, you may be required 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 not to:
Unless otherwise stated, all content on our Site, including text, graphics, logos, images, audio, video, software, and the compilation of these (the "Content"), is the property of Qandizarde or our content suppliers and is protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and its Content for personal, non-commercial purposes. This license does not include:
When you purchase our financial education products, you receive a limited, non-exclusive, non-transferable license to use the purchased materials for your personal educational purposes only. You may not:
We strive to provide accurate descriptions and images of our products. However, we do not warrant that product descriptions, images, or other content on our Site are accurate, complete, reliable, current, or error-free.
All prices displayed on the Site are in Ghanaian Cedis (GHS) and are subject to change without notice. We reserve the right to modify or discontinue any product or service without notice. We are not liable to you or any third party for any modification, price change, suspension, or discontinuance of any product.
When you place an order through our Site, you are making an offer to purchase the products at the prices listed. We reserve the right to accept or decline your order for any reason, including but not limited to, product availability, errors in pricing or product information, or issues with your account or payment method.
We accept various payment methods as indicated on the checkout page. By providing payment information, you represent and warrant that:
For physical products, shipping and delivery times are estimates only and are not guaranteed. We are not responsible for delays due to customs, international shipping, or other circumstances beyond our control.
For digital products, access will typically be provided immediately after purchase through your account or via email.
If you submit reviews, comments, feedback, or other content to our Site ("User Content"), you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content throughout the world in any media.
You represent and warrant that your User Content does not violate any third party's intellectual property or privacy rights, and is not defamatory, obscene, threatening, or otherwise unlawful.
Our Site may contain links to third-party websites or services that are not owned or controlled by Qandizarde. 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 Qandizarde 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 use of or reliance on any such content, goods, or services available on or through any such websites or services.
THE SITE AND PRODUCTS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
WHILE OUR FINANCIAL EDUCATION PRODUCTS ARE DESIGNED TO PROVIDE EDUCATIONAL INFORMATION, WE MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE EFFECTIVENESS OF OUR PRODUCTS OR THE RESULTS YOU MAY ACHIEVE. FINANCIAL SUCCESS DEPENDS ON MANY FACTORS BEYOND OUR CONTROL.
IN NO EVENT SHALL QANDIZARDE, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, (III) UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS AND/OR ANY PERSONAL INFORMATION STORED THEREIN, (IV) INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SITE, (V) BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SITE, AND/OR (VI) ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY.
IN NO CASE SHALL OUR LIABILITY TO YOU EXCEED THE AMOUNT YOU HAVE PAID TO US FOR OUR PRODUCTS IN THE PRECEDING 12 MONTHS.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
You agree to defend, indemnify, and hold harmless Qandizarde, its officers, directors, employees, and agents, 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 Site, including, but not limited to, your User Content, any use of the Site's content, services, and products other than as expressly authorized in these Terms.
These Terms shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located in Ghana for the resolution of any disputes arising from these Terms or your use of the Site.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. The most current version will be posted on our Site with the effective date. By continuing to access or use our Site after any changes become effective, you agree to be bound by the revised Terms.
We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Site will immediately cease.
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 under law.
These Terms, together with our Privacy Policy and any other legal notices and agreements published by us on the Site, constitute the entire agreement between you and Qandizarde concerning the Site and supersede all prior agreements and understandings with respect to the same.
If you have any questions or concerns about these Terms, please contact us at:
Qandizarde
15 Fijai Highway
Takoradi, Ghana
Email: [email protected]
Phone: +233 55 682 4497