Terms and Conditions

Last Updated: May 30, 2024

Please read these Terms and Conditions carefully before using the website and services offered by Beienshold. Your access to and use of the service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.

1. Use of Services

Beienshold provides financial services and products designed to help individuals and families secure their financial future. By using our services, you acknowledge that:

• You are at least 18 years of age
• The information you provide during registration or any transaction is accurate, complete, and current
• You will maintain the confidentiality of your account information, including password
• You are responsible for all activities that occur under your account
• You will immediately notify Beienshold of any unauthorized use of your account

2. Financial Products and Services

Beienshold offers various financial products and services, including but not limited to financial planning tools, insurance plans, retirement plans, and education funds. By purchasing these products:

• You agree to the specific terms and conditions associated with each product
• You understand that financial investments involve risk, and past performance is not indicative of future results
• You acknowledge that Beienshold does not guarantee any specific outcome or return on investment
• You understand that financial markets fluctuate and the value of investments can go down as well as up

3. Payments and Fees

When you purchase products or services through Beienshold:

• You agree to pay all fees and charges associated with your purchase at the prices in effect when the charges were incurred
• You authorize Beienshold to charge your chosen payment method for any such fees
• All payments are non-refundable except as provided in our Refund Policy
• You are responsible for any taxes applicable to your purchase
• Prices for products and services are subject to change with reasonable notice

4. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Beienshold 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 Beienshold.

5. User Content

Our Service may allow you to post, link, store, share, and otherwise make available certain information, text, graphics, videos, or other material. By providing User Content on our website or through our services:

• You grant Beienshold a worldwide, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute your content
• You represent and warrant that you own or have the necessary rights to such content and that it does not violate the rights of any third party
• You agree that this content will not contain material that is unlawful, defamatory, or otherwise objectionable

6. Prohibited Activities

You agree not to engage in any of the following activities:

• Violating any applicable laws, regulations, or these Terms
• Using the Service for any illegal purpose or to promote illegal activities
• Attempting to gain unauthorized access to any portion of the Service or any other systems or networks connected to the Service
• Interfering with or disrupting the Service or servers or networks connected to the Service
• Collecting or tracking personal information of other users
• Impersonating or attempting to impersonate Beienshold, a Beienshold employee, another user, or any other person or entity
• Engaging in any automated use of the system, such as using scripts to send messages or upload content

7. Limitation of Liability

In no event shall Beienshold, 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:

• Your access to or use of or inability to access or use the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorized access, use, or alteration of your transmissions or content

8. Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

Beienshold, its subsidiaries, affiliates, and its licensors do not warrant that:

• The Service will function uninterrupted, secure, or available at any particular time or location
• Any errors or defects will be corrected
• The Service is free of viruses or other harmful components
• The results of using the Service will meet your requirements

9. 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.

10. 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 Service after those revisions become effective, you agree to be bound by the revised terms.

11. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms. If you wish to terminate your account, you may simply discontinue using the Service or contact us to request account deletion.

12. Indemnification

You agree to defend, indemnify, and hold harmless Beienshold, its subsidiaries, affiliates, and their respective directors, officers, employees, contractors, agents, suppliers, licensors, 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 Service.

13. Severability

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.