Terms of Service - Posterities

1. Introduction

Welcome to Posterities. These Terms of Service ("Terms") govern your use of the Posterities website, training programs, educational resources, and related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of these Terms, please do not use our Services.

Posterities is committed to providing high-quality investment education for beginners in Ghana. Our mission is to empower Ghanaians with the knowledge and skills needed to make informed investment decisions and build long-term wealth.

2. Services Description

Posterities offers educational programs, workshops, simulations, and resources related to investment principles, long-term wealth planning, and financial risk management. Our Services are designed for educational purposes only and do not constitute financial advice, investment recommendations, or brokerage services.

While we strive to provide accurate and up-to-date information, the content provided through our Services should not be considered as a substitute for professional financial advice. Before making any investment decisions, we recommend consulting with qualified financial advisors who can provide personalized guidance based on your individual circumstances.

3. User Eligibility

To access our Services, you must be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is greater. By using our Services, you represent and warrant that you meet the eligibility requirements. If you are using our Services on behalf of a company, organization, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms.

4. Registration and Account Security

Some of our Services may require you to create an account. When registering for an account, 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. Posterities will not be liable for any loss or damage arising from your failure to protect your account credentials or comply with these security obligations.

5. Payment Terms

Certain Services, such as workshops, training programs, or premium content, may require payment. All fees are quoted in Ghanaian Cedi (GHS) unless otherwise specified. Prices for our Services are subject to change, and we will provide notice of any price changes before they take effect.

Payment for our Services must be made in advance. We accept payments through approved payment methods displayed on our website. By providing payment information, you represent and warrant that you are authorized to use the designated payment method.

Refunds may be available in certain circumstances, as outlined in our refund policy. To request a refund, please contact us at the provided contact information.

6. Intellectual Property Rights

All content, materials, and resources provided through our Services, including but not limited to text, graphics, logos, images, audio, video, software, and course materials, are owned by Posterities or its licensors and are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our content for personal, non-commercial purposes in connection with your use of our Services. You may not copy, modify, distribute, sell, or lease any part of our Services or content without our prior written consent.

7. User Conduct

When using our Services, you agree not to:

Violate any applicable laws or regulations
Infringe the intellectual property rights of Posterities or any third party
Share your account credentials with others or allow others to access your account
Use our Services to transmit harmful code or attempt to gain unauthorized access to our systems
Engage in any activity that could damage, disable, or impair the functioning of our Services
Harvest or collect user information without consent
Use our Services to send unsolicited communications or advertisements
Impersonate any person or entity or falsely state your affiliation with a person or entity

Posterities reserves the right to suspend or terminate your access to our Services for violations of these conduct guidelines.

8. Disclaimer of Warranties

Our Services are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. To the fullest extent permitted by law, Posterities disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Posterities does not warrant that our Services will be uninterrupted, error-free, or secure, that defects will be corrected, or that our Services or servers are free of viruses or other harmful components.

Educational content provided through our Services represents general principles and strategies related to investing. Investment performance is not guaranteed, and past performance does not guarantee future results. All investing involves risk, including the potential loss of principal.

9. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Posterities, 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 the Services.

In no event shall Posterities' total liability to you for all claims related to the Services exceed the amount paid by you to Posterities for the Services during the twelve (12) months preceding the event giving rise to the liability.

10. Indemnification

You agree to indemnify, defend, and hold harmless Posterities, its directors, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Services or your violation of these Terms.

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

12. Changes to Terms

Posterities reserves the right to modify these Terms at any time. We will provide notice of any material changes by posting the updated Terms on our website or through other communication channels. Your continued use of our Services after such changes constitutes your acceptance of the revised Terms.

13. Termination

Posterities may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will immediately cease.

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

14. Contact Information

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

Posterities
33 Tamale Central Street
Tamale, Ghana
Phone: +233 37 209 4431
Email: [email protected]