Last Updated: June 15, 2024
These Terms and Conditions ("Terms") govern your use of the Dowehorged website (https://dowehorged.com), your relationship with Dowehorged, and the purchase and use of our financial education products and services. Please read these Terms carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services.
By accessing this website, you are agreeing to be bound by these Terms and Conditions, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.
2.1. Ownership: The content, organization, graphics, design, compilation, magnetic translation, digital conversion, and other matters related to the Site and our products are protected under applicable copyrights, trademarks, and other proprietary rights. The copying, redistribution, use, or publication by you of any such matters or any part of the Site, except as allowed by Section 2.2, is strictly prohibited.
2.2. Limited License: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and our products solely for your personal, non-commercial use and subject to the restrictions set forth in these Terms.
2.3. Restrictions: You may not:
2.4. Trademarks: Dowehorged, the Dowehorged logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Dowehorged or its affiliates. You must not use such marks without our prior written permission.
3.1. Product Descriptions: We strive to accurately describe our products and services. However, we do not warrant that product descriptions or other content on this site are accurate, complete, reliable, current, or error-free.
3.2. Educational Purpose: Our products and services are provided for educational and informational purposes only. They are not intended to provide financial, investment, legal, tax, or accounting advice. You should consult with appropriate professionals for specific advice tailored to your situation.
3.3. Digital Content: For digital products, once you have paid and accessed or downloaded the content, the purchase is considered complete and non-refundable except as specified in our Refund Policy.
3.4. Physical Products: For physical products, items will be shipped to the address you provide at the time of purchase. Delivery times are estimates and not guaranteed.
4.1. Account Creation: Some areas of the Site may require you to create 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.
4.2. Account Security: You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
4.3. Account Termination: We reserve the right to terminate or suspend your account and access to our services at our sole discretion, without notice, for conduct that we determine violates these Terms or is harmful to other users, us, or third parties, or for any other reason.
5.1. Submission of Content: If you submit reviews, comments, or other content to the Site, 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 content throughout the world in any media.
5.2. Content Standards: You represent and warrant that your content does not violate anyone's rights, including copyright, trademark, or privacy rights, and that it does not contain libelous or otherwise unlawful material. You are solely responsible for any content you submit.
5.3. Monitoring and Enforcement: We have the right, but not the obligation, to monitor, edit, or remove any content submitted to the Site.
6.1. Pricing: All prices are shown in US Dollars (USD) and do not include taxes unless explicitly stated. Prices are subject to change without notice.
6.2. Payment Methods: We accept various payment methods as indicated during the checkout process. By providing a payment method, you represent that you are authorized to use the payment method and authorize us to charge your payment method for all purchases you make.
6.3. Order Acceptance: Your receipt of an electronic or other form of order confirmation does not signify our acceptance of your order, nor does it constitute confirmation of our offer to sell. We reserve the right to limit quantities or to cancel orders at any time before delivery.
6.4. Taxes: You are responsible for any taxes, duties, or other governmental assessments applicable to your purchase.
Our refund and return policies are outlined in our separate Refund Policy, which is incorporated by reference into these Terms.
8.1. THE SITE AND ALL PRODUCTS AND SERVICES DELIVERED TO YOU THROUGH THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTY OR REPRESENTATION, EXPRESS OR IMPLIED. DOWEHORGED DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR FROM A COURSE OF DEALING OR USAGE OF TRADE.
8.2. DOWEHORGED DOES NOT GUARANTEE, REPRESENT, OR WARRANT THAT YOUR USE OF OUR PRODUCTS OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
8.3. DOWEHORGED DOES NOT WARRANT THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF OUR PRODUCTS OR SERVICES WILL BE ACCURATE OR RELIABLE.
8.4. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM DOWEHORGED SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
9.1. IN NO EVENT SHALL DOWEHORGED, 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 RESULTING FROM YOUR ACCESS TO AND USE OF OUR PRODUCTS OR SERVICES, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SITE, (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SITE BY ANY THIRD PARTY, AND/OR (VI) ANY 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, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
9.2. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. YOU SPECIFICALLY ACKNOWLEDGE THAT DOWEHORGED SHALL NOT BE LIABLE FOR USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU.
9.3. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID TO DOWEHORGED IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED DOLLARS ($100).
You agree to indemnify, defend, and hold harmless Dowehorged, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorneys' fees) relating to or arising out of your use of or inability to use the Site or services, any user content posted by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. We reserve the right, at our own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with us in asserting any available defenses.
Our Site may contain links to third-party websites or services that are not owned or controlled by Dowehorged. 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 Dowehorged 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.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Site after any revisions become effective, you agree to be bound by the revised terms.
These Terms shall be governed and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions. Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Site shall be instituted exclusively in the courts located in Kumasi, Ghana, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country.
14.1. Informal Resolution: In the event of any dispute, claim, question, or disagreement arising from or relating to these Terms, you and Dowehorged agree to use reasonable efforts to settle the dispute through good faith negotiations before resorting to formal dispute resolution mechanisms.
14.2. Binding Arbitration: If we cannot resolve a dispute informally, any controversy or claim arising out of or relating to these Terms, or the breach thereof, shall be settled by arbitration administered by a recognized arbitration authority in Ghana in accordance with its arbitration rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
14.3. Restrictions: You agree that any arbitration shall be limited to the dispute between you and Dowehorged individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any dispute to be arbitrated on a class-action basis; and (c) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.
14.4. Exceptions: Notwithstanding the foregoing, you acknowledge that Dowehorged may seek injunctive or other appropriate relief in the courts for any actual or threatened breach of these Terms or infringement of Dowehorged's intellectual property rights.
15.1. Severability: If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provision shall be deleted without affecting the remaining provisions herein.
15.2. Waiver: No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Dowehorged to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
The Terms and our Privacy Policy constitute the sole and entire agreement between you and Dowehorged regarding the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site.
If you have any questions about these Terms, please contact us at:
Dowehorged
41 Bantama Street
Kumasi, Ghana
Email: [email protected]
Phone: +233 50 922 3108