Terms of Service

1. Acceptance of Terms

By accessing and using Dalemanskva's financial training platform, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service govern your use of our website located at our Ghana office address: 66 Liberation Road, Takoradi, Ghana, and all related services, features, content, and applications offered by Dalemanskva.

2. Description of Service

Dalemanskva provides online financial education and training services designed to help individuals achieve financial freedom through comprehensive learning modules, interactive quizzes, downloadable worksheets, and practical guidance on income management, credit use, and responsible investing.

Our services include but are not limited to:

• Online training courses on financial literacy
• Interactive quizzes and assessments
• Downloadable educational materials and worksheets
• Video tutorials and learning resources
• Progress tracking and certification

3. User Responsibilities

As a user of our platform, you agree to:

• Provide accurate and complete information when creating your account
• Maintain the security of your login credentials
• Use the platform solely for educational purposes
• Not share your account access with unauthorized individuals
• Respect the intellectual property rights of all content provided
• Follow all applicable laws and regulations in your jurisdiction

4. Educational Content Disclaimer

The financial education content provided by Dalemanskva is for informational and educational purposes only. It should not be considered as personalized financial advice, investment recommendations, or professional financial consulting.

Users are encouraged to:

• Consult with qualified financial advisors for personal financial decisions
• Conduct their own research before making investment choices
• Understand that past performance does not guarantee future results
• Consider their individual financial situation and risk tolerance

5. Intellectual Property Rights

All content on this platform, including but not limited to text, graphics, logos, images, videos, audio clips, digital downloads, data compilations, and software, is the property of Dalemanskva or its content suppliers and is protected by Ghana and international copyright laws.

Users may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our platform without prior written consent.

6. Payment and Refund Policy

Payment terms for our services are clearly outlined during the enrollment process. We accept various payment methods and ensure secure transaction processing.

Refund requests must be submitted within 30 days of purchase and are subject to our refund policy guidelines. Refunds are processed within 5-10 business days after approval.

7. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information when you use our services. By using our platform, you consent to the collection and use of information as outlined in our Privacy Policy.

We implement appropriate security measures to protect your personal information and maintain data confidentiality in accordance with applicable data protection laws.

8. Limitation of Liability

Dalemanskva shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services.

Our total liability for any claims arising from or related to these terms shall not exceed the amount paid by you for the specific service that gave rise to the claim.

9. Account Termination

We reserve the right to terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms of Service.

Upon termination, your right to use the service will cease immediately. All provisions of the Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

10. Governing Law

These Terms of Service and any disputes arising out of or related to 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 under these terms will be brought exclusively in the courts of Ghana, and you hereby consent to personal jurisdiction and venue therein.

11. Changes to Terms

We reserve the right to modify or replace these Terms of Service at any time at our sole discretion. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

By continuing to access or use our service after those revisions become effective, you agree to be bound by the revised terms.

12. Contact Information

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

13. Severability

If any provision of these Terms of Service is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.