Terms of Service

1. Introduction

Welcome to FLOXENTRA. These Terms of Service ("Terms") govern your access to and use of FLOXENTRA's website, products, and services ("Services"). By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Services.

2. Use of Services

Our Services are designed to help users manage their personal finances through budgeting tools, savings plans, debt management strategies, and educational resources. You may use our Services only as permitted by law and in accordance with these Terms. You agree not to use our Services:

• In any way that violates any applicable national or international law or regulation.
• To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letter," "spam," or any other similar solicitation.
• To impersonate or attempt to impersonate FLOXENTRA, a FLOXENTRA employee, another user, or any other person or entity.
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Services, or which may harm FLOXENTRA or users of the Services.

FLOXENTRA reserves the right to terminate or suspend access to our Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

3. Account Registration

Some features of our Services require you to register for an account. When you register, you agree to provide accurate, current, and complete information about yourself. You are responsible for safeguarding the password that you use to access our Services and for any activities or actions under your password. We encourage you to use "strong" passwords (passwords that use a combination of upper and lower case letters, numbers, and symbols) with your account. FLOXENTRA will not be liable for any loss or damage arising from your failure to comply with this instruction.

4. Financial Information

Our Services may allow you to input and track financial information. While we strive to provide accurate tools and information, FLOXENTRA does not guarantee the accuracy, completeness, or usefulness of any information provided through our Services. Any reliance you place on such information is strictly at your own risk.

The financial advice and information provided through our Services are for educational purposes only and should not be considered professional financial advice. We recommend consulting with a qualified financial professional before making significant financial decisions.

5. Workshops and Educational Content

FLOXENTRA offers workshops and educational content as part of our Services. Participation in these activities is subject to additional terms, including but not limited to:

• Registration requirements and fees, if applicable.
• Cancellation policies for in-person and virtual events.
• Proper conduct during workshops and interactive sessions.

FLOXENTRA reserves the right to refuse service, terminate accounts, or cancel workshop registrations at our sole discretion.

6. Intellectual Property

The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of FLOXENTRA and its licensors. The Service is protected by copyright, trademark, and other laws of both Ghana and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of FLOXENTRA.

Materials provided through our workshops, including handouts, presentations, and digital resources, are protected by copyright and may not be reproduced, distributed, or used for commercial purposes without explicit permission from FLOXENTRA.

7. User Content

Our Services may allow you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material. You are responsible for the content you post, including its legality, reliability, and appropriateness.

By posting content to FLOXENTRA, you grant us the right to use, modify, publicly perform, publicly display, reproduce, and distribute such content on and through our Services. You retain any and all of your rights to any content you submit, post, or display on or through our Services and you are responsible for protecting those rights.

8. Privacy

Your privacy is important to us. Our Privacy Policy, which is incorporated into these Terms, explains how we collect, use, and disclose information about you. By using our Services, you consent to the collection, use, and disclosure of information as described in our Privacy Policy.

You can view our Privacy Policy at Privacy Policy.

9. Third-Party Links

Our Services may contain links to third-party websites or services that are not owned or controlled by FLOXENTRA. FLOXENTRA has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that FLOXENTRA 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.

10. Disclaimer of Warranties

Your use of our Services is at your sole risk. The Services are provided on an "AS IS" and "AS AVAILABLE" basis. FLOXENTRA expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

FLOXENTRA makes no warranty that (i) the Services will meet your requirements, (ii) the Services will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the Services will be accurate or reliable, or (iv) any errors in the Services will be corrected.

11. Limitation of Liability

In no event shall FLOXENTRA, 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 Services; (ii) any conduct or content of any third party on the Services; (iii) any content obtained from the Services; 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 FLOXENTRA, 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 Services.

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. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

14. Changes to Terms

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 Services 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 Services.

15. Contact Us

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