Last Updated: January 15, 2024
Welcome to Orcabriere. These Terms & Conditions ("Terms") govern your use of the Orcabriere website (www.orcabriere.com) and the purchase and use of our financial education products and services. By accessing our website or purchasing our products, you agree to be bound by these Terms.
Please read these Terms carefully before using our website or purchasing our products. If you do not agree to these Terms, you must not access our website or purchase our products.
In these Terms:
To purchase products or access certain features of our website, you may need to create an account. When registering for an account, you agree to provide accurate, current, and complete information and to update this information as necessary to maintain its accuracy.
You are responsible for maintaining the confidentiality of your account password 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.
We reserve the right to suspend or terminate your account at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.
All products are subject to availability. We reserve the right to discontinue any product at any time. We are not liable if a product is unavailable.
All prices are stated in US Dollars (USD) unless otherwise specified. Prices are subject to change without notice. We accept payment through the payment methods specified on our website. By providing payment information, you represent and warrant that you have the legal right to use the payment method provided.
After placing an order, you will receive an email confirmation with your order details. This email constitutes our acceptance of your order and forms a binding agreement between you and Orcabriere.
For digital products, upon confirmation of payment, you will receive access to the purchased content through the method specified at the time of purchase (e.g., email, account access).
For physical products, shipping and delivery times will be specified during the checkout process. We are not responsible for delays due to customs, postal services, or other third-party shipping providers.
All content on our website and in our products, including text, graphics, logos, icons, images, audio and video clips, digital downloads, data compilations, and software, is the property of Orcabriere or our content suppliers and is protected by international copyright, trademark, and other intellectual property laws.
Upon purchasing our products, you are granted a limited, non-exclusive, non-transferable license to use the products for personal, non-commercial purposes only. This license does not permit you to:
By submitting any content (such as reviews, comments, or feedback) to our website, you grant us a worldwide, 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 content in any media.
When using our website and products, you agree not to:
Our website and products are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
The content in our products is for educational purposes only. While we make reasonable efforts to provide accurate and up-to-date information, we do not warrant that the content is error-free, complete, or current. The educational content we provide should not be considered financial advice, and we are not responsible for any financial decisions you make based on our content.
We do not guarantee that our website will be secure or free from bugs or viruses, or that it will be available uninterrupted. We may suspend, withdraw, discontinue, or change all or any part of our website without notice.
To the fullest extent permitted by law, Orcabriere shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:
Our total liability to you for any claim arising from or relating to these Terms or our website or products shall not exceed the amount paid by you to us for products purchased in the six months prior to such claim.
You agree to indemnify, defend, and hold harmless Orcabriere, its officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these Terms by you or any activity related to your account (including negligent or wrongful conduct).
Our website may contain links to third-party websites or services that are not owned or controlled by Orcabriere. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Orcabriere 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 the use of or reliance on any such content, goods, or services available on or through any such websites or services.
These Terms shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions.
In the event of any dispute arising out of or in connection with these Terms, the parties shall first attempt to resolve the dispute through friendly negotiations. If the dispute cannot be resolved through negotiations, the parties agree to seek resolution through mediation before resorting to arbitration or litigation.
If mediation fails, any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be settled by arbitration in accordance with the rules of the Ghana Arbitration Centre. The number of arbitrators shall be one, the place of arbitration shall be Accra, Ghana, and the language of the proceedings shall be English.
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 website or products after such changes constitutes your acceptance of the new Terms.
We may terminate or suspend your access to our website or products immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use our website and products will immediately cease.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.
These Terms, together with our Privacy Policy and any other legal notices published by us on our website, constitute the entire agreement between you and Orcabriere regarding your use of our website and products.
If you have any questions about these Terms, please contact us at:
Orcabriere
53 Beach Road
Cape Coast, Ghana
Email: [email protected]
Phone: +233 24 905 3370