Terms and Conditions

Last Updated: May 15, 2024

1. Introduction

Welcome to Irorivetan. These Terms and Conditions ("Terms") govern your use of our website www.irorivetan.com (the "Website"), mobile applications, and the purchase and use of our products and services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to all the terms and conditions, then you may not access or use our Services.

2. Definitions

  • "Company," "we," "us," or "our" refers to Irorivetan, registered in Ghana with company number 07345592, with offices at 67 Harper Avenue, Accra, Ghana and Flat 17 Logan Forges Lake, Fredborough HP5 2ED, United Kingdom.
  • "You" refers to the individual accessing or using our Services, or the company or other legal entity on behalf of which such individual is accessing or using the Services.
  • "Content" refers to any material, information, or data available on or through the Services, including text, images, videos, audio, designs, software, and courses.
  • "Products" refers to the financial education tools, planners, trackers, kits, games, and other items available for purchase through our Services.

3. Account Registration

To access certain features of our Services or to purchase Products, you may need to create an account. When you create an account, you agree to:

  • Provide accurate, current, and complete information
  • Maintain and promptly update your account information
  • Maintain the security of your account by not sharing your password and restricting access to your account
  • Promptly notify us of any unauthorized access to or use of your account
  • Be responsible for all activities that occur under your account

We reserve the right to suspend or terminate your account if we detect any activity that violates these Terms or appears to be fraudulent or harmful to our Services or other users.

4. Purchases and Payments

4.1 Product Availability

All Products are subject to availability. We reserve the right to discontinue any Product at any time.

4.2 Prices

All prices are shown in US dollars (USD) unless otherwise indicated. Prices are subject to change without notice. The price charged will be the price displayed at the time of purchase.

4.3 Taxes

Prices displayed do not include applicable taxes. Taxes will be calculated based on your location and the applicable tax rate at the time of purchase.

4.4 Payment Methods

We accept major credit and debit cards, including Visa, MasterCard, and American Express. By providing your payment information, you represent and warrant that you are authorized to use the designated payment method.

4.5 Digital Products

For digital Products, upon successful payment, you will receive instructions to access or download your purchase. Digital Products are delivered electronically and are considered delivered when made available for download or access.

4.6 Physical Products

For physical Products, shipping times and costs will be provided during checkout. We are not responsible for delays due to customs processing for international shipments.

5. Shipping and Delivery

5.1 Shipping Methods

We offer standard and express shipping options for physical Products. Shipping times are estimates and are not guaranteed.

5.2 Shipping Costs

Shipping costs are calculated based on the shipping method, destination, and the weight and dimensions of the Products.

5.3 International Shipping

For international orders, you are responsible for any customs duties, taxes, or import fees that may be imposed by your country of residence. We are not responsible for delays due to customs processing.

5.4 Delivery Issues

If you do not receive your order within the estimated delivery timeframe, please contact our customer service team. We will investigate and work to resolve the issue promptly.

6. Intellectual Property

6.1 Ownership

All Content on our Website and in our Products, including text, graphics, logos, images, audio, video, and software, is the property of Irorivetan or our licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 License to Use

When you purchase our Products, we grant you a limited, non-exclusive, non-transferable, and revocable license to use the Products for your personal, non-commercial use. This license does not include the right to:

  • Modify, reproduce, duplicate, copy, or resell any part of our Products or Content
  • Use any Content for commercial purposes
  • Transfer or share your access to digital Products with others
  • Reverse engineer, decompile, or attempt to extract the source code of our software
  • Remove any copyright, trademark, or other proprietary notices from our Products or Content

6.3 User Content

If you submit content to us, such as reviews, comments, or feedback, you grant us a worldwide, non-exclusive, royalty-free, perpetual, and irrevocable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any media.

7. Prohibited Activities

You agree not to engage in any of the following activities:

  • Use our Services in any way that violates any applicable law or regulation
  • Infringe upon the intellectual property rights of others
  • Attempt to gain unauthorized access to our systems or other users' accounts
  • Use our Services to transmit viruses, malware, or other malicious code
  • Interfere with or disrupt our Services or servers
  • Collect or harvest any information from our Services without authorization
  • Impersonate any person or entity, or misrepresent your affiliation with a person or entity
  • Use our Services for any fraudulent or deceptive purpose

8. Disclaimers and Limitations of Liability

8.1 Disclaimer of Warranties

OUR SERVICES AND PRODUCTS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

WE DO NOT WARRANT THAT OUR SERVICES WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

8.2 Educational Purpose

Our Products are designed for educational purposes only and are not intended to provide financial, investment, legal, tax, or accounting advice. You should consult with qualified professionals before making any financial decisions.

8.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL IRORIVETAN, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES 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

IN ANY CASE, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR PRODUCTS PURCHASED FROM US DURING THE PAST SIX MONTHS.

9. Indemnification

You agree to defend, indemnify, and hold harmless Irorivetan, 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 our Services.

10. Term and Termination

These Terms shall remain in effect until terminated by you or us.

We may, in our sole discretion, terminate or suspend your access to all or part of our Services for any reason, including, without limitation, your breach of these Terms.

Upon termination, your right to use our Services will immediately cease, but all provisions of these Terms that, by their nature, should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If we make material changes, we will provide notice through our Website or by other means to give you the opportunity to review the changes before they become effective.

Your continued use of our Services after we post any modifications to the Terms constitutes your acceptance of the revised Terms.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law principles.

12.2 Dispute Resolution

Any dispute arising out of or related to these Terms or our Services shall first be resolved through good-faith negotiations. If negotiations fail, the dispute shall be submitted to binding arbitration in accordance with the rules of the Ghana Arbitration Centre.

The arbitration shall take place in Accra, Ghana, and the language of the arbitration shall be English. The decision of the arbitrator shall be final and binding on both parties.

12.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

13. Miscellaneous

13.1 Entire Agreement

These Terms constitute the entire agreement between you and Irorivetan regarding your use of our Services and supersede all prior agreements and understandings, whether written or oral.

13.2 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 to the fullest extent possible under the law.

13.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not be considered a waiver of such right or provision.

13.4 Assignment

You may not assign or transfer these Terms without our prior written consent, but we may assign or transfer these Terms without restriction.

13.5 Force Majeure

We will not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, war, terrorism, riots, fire, natural disaster, pandemic, or labor disputes.

14. Contact Information

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

Irorivetan
67 Harper Avenue
Accra, Ghana
Email: [email protected]
Phone: +233 20 556 9023

UK Office:
Flat 17 Logan Forges Lake
Fredborough HP5 2ED
Phone: +440474667190