Last Updated: April 15, 2024

1. Introduction

Welcome to Paudecenar. These Terms and Conditions ("Terms", "Terms and Conditions") govern your use of our website paudecenar.com (the "Site") and all content, services, and products available through the Site (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of the Terms, then you may not access our Services.

2. Definitions

  • "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 our Services.
  • "Company", "We", "Us", and "Our" refer to Paudecenar.
  • "Content" refers to content such as text, images, or other information that can be posted, uploaded, linked to, or otherwise made available by You, regardless of the form of that content.
  • "Course" refers to any educational material, program, or training provided through our Services.
  • "User Account" refers to an account required to access certain areas of the Services, including enrolled courses and personalized features.

3. User Accounts

3.1 Account Creation

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 Services.

3.2 Account Security

You are responsible for safeguarding the password that you use to access the Services and for any activities or actions under your password. 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.

3.3 Account Sharing

Your account is personal and non-transferable. You may not share your account credentials with others or allow others to access your account. One account is for one individual only.

4. Course Enrollment and Access

4.1 Enrollment

Upon successful purchase of a course, you will be enrolled in that course and granted access to the course materials according to the terms specified in the course description.

4.2 Access Period

Unless otherwise specified, standard course access is granted for:

  • 6 months for individual courses
  • 8 months for selected specialized courses
  • 12 months for Business Finance Mastery
  • Lifetime access for the Financial Freedom Blueprint

Access periods begin from the date of purchase. After the access period expires, you may need to repurchase the course to regain access, unless otherwise specified in the course description.

4.3 Course Updates

We regularly update our course content to ensure it remains relevant and accurate. You will have access to all updates made to a course during your access period. Significant course revisions may be treated as new courses and may require separate purchase.

5. Payments and Billing

5.1 Pricing

All prices for courses and services are listed in Ghanaian Cedis (GHS) and are inclusive of applicable taxes. We reserve the right to change our prices at any time. Price changes will not affect courses already purchased.

5.2 Payment Methods

We accept various payment methods including credit cards, debit cards, mobile money, and bank transfers. All payment information is securely processed through our payment processors.

5.3 Payment Verification

We may require additional verification for certain payment methods to prevent fraudulent transactions. Access to purchased courses may be delayed until payment verification is complete.

6. Intellectual Property

6.1 Our Intellectual Property

The Services and their original content, features, and functionality are and will remain the exclusive property of Paudecenar and its licensors. The Services are 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 our prior written consent.

6.2 Course Materials

All course materials, including but not limited to videos, texts, worksheets, assignments, quizzes, and supplementary resources, are owned by Paudecenar or its content creators and are protected by copyright laws.

6.3 Limited License

Upon enrollment in a course, we grant you a limited, non-exclusive, non-transferable license to access and use the course materials for your personal, non-commercial, educational purposes. You may not:

  • Copy, modify, distribute, sell, or lease any part of our Services or course materials
  • Reverse engineer or attempt to extract the source code of our Services
  • Share your account or course access with others
  • Record, reproduce, or share course videos or materials
  • Remove any copyright or other proprietary notices
  • Use the materials for teaching others or for commercial purposes

7. User Content

7.1 Content Submissions

Some areas of our Services allow users to submit content, such as forum posts, reviews, or assignments. 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.

7.2 Content Guidelines

Any content you submit must not:

  • Violate any local, national, or international law or regulation
  • Infringe on any patent, trademark, trade secret, copyright, or other intellectual property right
  • Contain material that is defamatory, obscene, offensive, hateful, or promotes discrimination
  • Contain malware, viruses, or any other harmful code
  • Impersonate any person or entity or falsely state your affiliation with a person or entity
  • Contain unsolicited promotional content, spam, or advertisements
  • Interfere with or disrupt the Services or servers or networks connected to the Services

7.3 Content Monitoring

We reserve the right, but not the obligation, to monitor, edit, or remove any user content. We also reserve the right to disclose your information as necessary to comply with any applicable law, regulation, legal process, or governmental request.

8. Prohibited Uses

In addition to other prohibitions as set forth in the Terms, you are prohibited from using the Services:

  • For any unlawful purpose or to solicit others to perform or participate in any unlawful acts
  • To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
  • To infringe upon or violate our intellectual property rights or the intellectual property rights of others
  • To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability
  • To submit false or misleading information
  • To upload or transmit viruses or any other type of malicious code
  • To collect or track the personal information of others
  • To spam, phish, pharming, pretext, spider, crawl, or scrape
  • For any obscene or immoral purpose
  • To interfere with or circumvent the security features of the Services

9. Disclaimer of Warranties

Our Services are provided on an "AS IS" and "AS AVAILABLE" basis. Paudecenar expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We make no warranty that:

  • The Services will meet your requirements
  • The Services will be uninterrupted, timely, secure, or error-free
  • The results that may be obtained from the use of the Services will be accurate or reliable
  • The quality of any products, services, information, or other material purchased or obtained by you through the Services will meet your expectations

Educational and financial information provided through our courses is for general informational and educational purposes only and is not intended as financial advice. We do not guarantee any specific results from applying the information provided in our courses.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Paudecenar, its affiliates, directors, employees, agents, partners, and suppliers shall not 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
  • Any conduct or content of any third party on the Services
  • Any content obtained from the Services
  • Unauthorized access, use, or alteration of your transmissions or content

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

11. Indemnification

You agree to defend, indemnify, and hold harmless Paudecenar, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns 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 Services.

12. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Services will immediately cease. If you wish to terminate your account, you may simply discontinue using the Services or contact us to request account deletion.

13. 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.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Ghana.

14. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

15. Severability and Waiver

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

16. Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Paudecenar regarding your use of the Services and supersede any prior agreements between you and Paudecenar regarding the Services.

17. Contact Information

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

  • By email: [email protected]
  • By phone: +233 59 228 6540
  • By mail: 32 Adum Central Street, Kumasi, Ghana