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Terms and Conditions

Effective Date: 5^th December, 2024

1. Agreement to Terms

By accessing or using Portfolio GH (“we,” “our,” or “us”), you agree to comply with and be bound by these Terms and Conditions. If you do not agree, you must discontinue use of our platform immediately.

2. Eligibility

You must be at least 18 years of age or the age of majority in your jurisdiction to use our platform. By using our services, you represent that you meet this requirement.

3. User Accounts

To access certain features, you must create an account. You agree to:

• Provide accurate and complete registration information.
• Keep your login credentials secure and confidential.
• Notify us immediately of unauthorized use of your account.

We are not liable for any loss or damage resulting from unauthorized account access.

4. Prohibited Activities

While using our platform, you agree not to:

• Engage in fraudulent, unlawful, or harmful activities.
• Distribute viruses, malware, or harmful code.
• Interfere with the operation of our platform.
• Reverse-engineer, disassemble, or decompile any software on our platform.
• Violate the rights of others, including intellectual property or privacy rights.

5. Content Ownership and Licensing

5.1 User-Generated Content

By submitting content to our platform, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, distribute, and display your content in connection with providing our services.

5.2 Intellectual Property

All intellectual property rights on our platform, including text, graphics, logos, and software, belong to us or our licensors. You may not use or reproduce these materials without explicit permission.

6. Payments and Subscriptions

Our platform may offer paid subscriptions or services. By making a payment, you agree to:

• Provide accurate billing and payment information.
• Authorize us to charge your payment method for the applicable fees.

Refunds are subject to our Refund Policy.

7. Termination

We may suspend or terminate your access to our platform if you violate these Terms and Conditions or engage in prohibited activities. Upon termination, your right to use the platform will cease immediately.

8. Limitation of Liability

To the fullest extent permitted by law, we are not liable for:

• Indirect, incidental, or consequential damages.
• Loss of profits, data, or business opportunities.
• Unauthorized access or use of your account or data.

Our liability is limited to the amount you paid for the services.

9. Indemnification

You agree to indemnify and hold us harmless from any claims, liabilities, damages, losses, or expenses arising out of your use of the platform, violation of these terms, or infringement of any third-party rights.

10. Governing Law

These Terms and Conditions are governed by the laws of Ghana. Any disputes will be resolved exclusively in the courts of Ghana.

11. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. We will notify you of significant changes, and your continued use of the platform constitutes acceptance of the revised terms.

12. Contact Us

If you have questions or concerns about these Terms and Conditions, please contact us:

• Email: [email protected]
• Phone: +233 24 101 9162
• Address: Accra, Ghana