Last Updated: May 15, 2024
Welcome to Galspabide. These Terms and Conditions ("Terms") govern your access to and use of the Galspabide website at https://galspabide.com (the "Site") and all financial education products and services offered by Galspabide ("Services").
Please read these Terms carefully before accessing or using our Site and Services. 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 Site or use any Services.
To access certain features of the Site and to purchase our products, you may be required to register for 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.
You are responsible for safeguarding the password that you use to access the Site and for any activities or actions under your password. We encourage you to use a strong password unique from other passwords you use for other websites.
You must be at least 18 years of age to create an account and use our Services. By creating an account and using our Services, you represent and warrant that:
Galspabide provides financial education products including but not limited to courses, books, digital downloads, webinars, and physical planning tools designed to help individuals improve their financial literacy and management skills.
Product Descriptions: We strive to describe our products and services as accurately as possible. However, we do not warrant that product descriptions or other content on the Site are accurate, complete, reliable, current, or error-free.
Educational Purpose: All content, materials, and information provided through our Services are for educational and informational purposes only. They do not constitute financial advice, legal advice, or any other professional advice.
No Guarantee of Results: We do not guarantee specific financial results from using our products and services. Individual results will vary and depend on numerous factors including, but not limited to, your financial situation, discipline, knowledge, market conditions, and personal effort.
Pricing: All prices displayed on our Site are in U.S. Dollars (USD) unless otherwise specified. Prices are subject to change without notice.
Payment Methods: We accept major credit cards, debit cards, and other payment methods as indicated during the checkout process. By providing your payment information, you represent and warrant that you have the legal right to use the payment method you provide.
Taxes: You are responsible for any applicable taxes related to your purchase as specified at checkout. Tax rates are based on the location to which the product is being shipped or, in the case of digital products, your billing address.
Order Confirmation: Upon completing a purchase, you will receive an order confirmation email. This email serves as confirmation of our acceptance of your order.
Access: Upon completing your purchase of a digital product, you will receive access instructions via email. Access may be provided through our Site, downloadable files, or third-party platforms.
License: We grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the digital content for your personal, non-commercial use only. You may not reproduce, distribute, display, sell, lease, transmit, create derivative works from, or otherwise exploit the digital content or any portion of it without our prior written consent.
Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access to or use of your account.
Shipping and Delivery: Physical products will be shipped to the address you provide during checkout. Shipping times and costs will be calculated and displayed before you complete your purchase.
Risk of Loss: The risk of loss and title for physical items pass to you upon our delivery to the carrier.
International Shipping: For international orders, you are responsible for all import duties, customs fees, and taxes that may apply. These charges are not included in the purchase price or shipping cost.
All content, features, and functionality on the Site, including but not limited to text, graphics, logos, button icons, images, audio clips, video clips, data compilations, and software, are the property of Galspabide or its content suppliers and protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
You are granted a limited license to access and use the Site and to download or print a copy of any portion of the content to which you have properly gained access, solely for your personal, non-commercial use.
You must not:
While using our Site and Services, you agree not to:
Our Site may allow you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material ("User Content"). You are responsible for the User Content that you post on or through the Site, including its legality, reliability, and appropriateness.
By posting User Content on or through the Site, you grant us the right to use, modify, publicly perform, publicly display, reproduce, and distribute such content on and through the Site. You retain any and all of your rights to any User Content you submit, post, or display on or through the Site and you are responsible for protecting those rights.
You represent and warrant that:
THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. GALSPABIDE HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
GALSPABIDE DOES NOT WARRANT THAT THE SITE AND SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT DEFECTS, IF ANY, WILL BE CORRECTED. GALSPABIDE MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE CONTENT ON THE SITE OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE.
THE MATERIALS AND INFORMATION PROVIDED THROUGH OUR SERVICES DO NOT CONSTITUTE FINANCIAL ADVICE, LEGAL ADVICE, OR OTHER PROFESSIONAL ADVICE. INDIVIDUAL RESULTS MAY VARY.
IN NO EVENT SHALL GALSPABIDE, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
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.
IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
You agree to defend, indemnify, and hold harmless Galspabide, its officers, directors, employees, and agents, 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 Site or Services, including, but not limited to, any User Content submitted by you.
These Terms shall remain in full force and effect while you use the Site or Services.
We reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the Site and Services to any person for any reason or for no reason, including without limitation for breach of any representation, warranty, or covenant contained in these Terms or any applicable law or regulation.
We may terminate your access to the Site, without cause or notice, which may result in the forfeiture and destruction of all information associated with your account.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. The most current version of these Terms will be posted on our Site with the "Last Updated" date. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms.
These Terms shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law principles. Any legal action or proceeding relating to your access to, or use of, the Site or these Terms shall be instituted in the courts of Ghana. You and Galspabide agree to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action or proceeding.
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
These Terms, together with our Privacy Policy and any other legal notices and agreements published by us on the Site, shall constitute the entire agreement between you and Galspabide concerning the Site and Services.
If you have any questions about these Terms, please contact us at:
Galspabide
40 East Ridge Avenue
Accra, Ghana
Email: [email protected]
Phone: +233 26 555 7012
UK Office:
46 Hall Flats
Rosebury, WV99 1RG
Phone: +44 574 075 0577