Terms & Conditions

Please read these Terms and Conditions carefully before using the website operated by Poremaranc. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not access the website.

1. Agreement to Terms

By accessing our website at poremaranc.com, 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. Intellectual Property

The content, organization, graphics, design, compilation, and other matters related to the Site 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 is strictly prohibited. You do not acquire ownership rights to any content, document, or other materials viewed through the Site.

3. Use License

1. Permission is granted to temporarily download one copy of the materials on Poremaranc's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
   1. modify or copy the materials;
   2. use the materials for any commercial purpose or for any public display;
   3. attempt to reverse engineer any software contained on Poremaranc's website;
   4. remove any copyright or other proprietary notations from the materials; or
   5. transfer the materials to another person or "mirror" the materials on any other server.
2. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Poremaranc at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

4. Products and Services

All products and services are subject to availability. We reserve the right to discontinue any products or services at any time. Prices for our products are subject to change without notice. We reserve the right to modify or discontinue the Service without notice at any time.

We shall not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Service.

5. Accuracy of Information

The materials appearing on Poremaranc's website could include technical, typographical, or photographic errors. Poremaranc does not warrant that any of the materials on its website are accurate, complete, or current. Poremaranc may make changes to the materials contained on its website at any time without notice. Poremaranc does not, however, make any commitment to update the materials.

6. Financial Education Disclaimer

The information provided by Poremaranc on our website and in our products is for general informational and educational purposes only. All information on the site and in our materials is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information.

Our financial education products should not be considered financial advice. Before making any financial decisions, we recommend consulting with a qualified financial advisor who can provide personalized advice tailored to your specific circumstances.

7. User Account and Security

If you create an account on our website, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password.

Poremaranc reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders in its sole discretion.

8. Purchases and Payment

If you wish to purchase any product made available through the Service, you may be asked to supply certain information relevant to your purchase, including your credit card number, the expiration date of your credit card, your billing address, and your shipping information.

You represent and warrant that: (i) you have the legal right to use any credit card(s) or other payment method(s) in connection with any purchase; and (ii) the information you supply to us is true, correct, and complete.

The Service may employ third-party services for the purpose of facilitating payment and the completion of purchases. By submitting your information, you grant us the right to provide the information to these third parties subject to our Privacy Policy.

9. Shipping and Delivery

Poremaranc will make every effort to ship products within the estimated timeframes. However, shipping times are not guaranteed and may be affected by factors outside our control. We are not liable for any delays in shipments.

Risk of loss and title for items purchased from our website pass to you upon delivery of the items to the carrier.

10. Links to Third-Party Sites

Our website may contain links to third-party websites or services that are not owned or controlled by Poremaranc. Poremaranc has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites or services. We advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

11. Limitation of Liability

In no event shall Poremaranc, nor 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 (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

12. Indemnification

You agree to defend, indemnify, and hold harmless Poremaranc, 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 website.

13. Governing Law

These Terms shall be governed and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

14. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our website after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

15. Contact Us

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

• By email: [email protected]
• By phone: +233 55 817 6654
• By mail: 59 Ring Road East, Accra, Ghana