1. Introduction

Welcome to Byermangev. These Terms and Conditions ("Terms") govern your use of our website located at byermangev.com (the "Website") and all related services, including the purchase and use of our educational courses and materials (collectively, the "Services").

By accessing or using the Website or Services, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Website or use our Services.

These Terms constitute a legally binding agreement between you and Byermangev, registered in Ghana with company number 07439630, having its registered office at 40 Harper Street, Kumasi, Ghana.

2. Definitions

Throughout these Terms, the following definitions apply:

  • "Account" means a unique account created for you to access our Services.
  • "Company" (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Byermangev.
  • "Content" means text, images, audio, video, or other material that can be posted, uploaded, linked to, or otherwise made available on the Website.
  • "Courses" refers to the educational materials, videos, texts, and interactive content provided as part of our Services.
  • "User" (referred to as either "the User", "You", or "Your" in this Agreement) refers to the individual accessing or using the Website and Services.

3. Account Registration

To access certain features of the Website and our Services, 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 maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You agree to:

  • Immediately notify us of any unauthorized use of your Account or any other breach of security
  • Ensure that you log out from your Account at the end of each session when accessing the Services
  • Not share your Account credentials with any third party

We reserve the right to suspend or terminate your Account if any information provided during the registration process or thereafter proves to be inaccurate, false, or misleading, or if you fail to comply with these Terms.

4. Purchases and Payment

4.1 Course Purchases

All purchases of Courses through the Website are subject to these Terms. By purchasing a Course, you agree to pay the fees as presented to you at the time of purchase.

4.2 Payment Methods

We accept various payment methods as indicated on our Website. By providing a payment method, you represent and warrant that you are authorized to use the designated payment method and that the payment information you provide is true and accurate.

4.3 Pricing and Taxes

All prices are shown in Ghanaian Cedi (GH₵) unless otherwise stated and are inclusive of applicable taxes. We reserve the right to change the prices of our Courses at any time without notice. Any price changes will not affect purchases that have already been completed.

4.4 Payment Processing

Payment processing services for Byermangev are provided by third-party payment processors. By making a purchase, you agree to the terms and privacy policies of these payment processors in addition to our Terms.

5. Course Access and Usage

5.1 Access Rights

Upon successful purchase, you will be granted a non-exclusive, non-transferable, limited right to access and use the purchased Course(s) for personal, non-commercial use.

5.2 Account Requirement

Access to purchased Courses requires a registered Account. Course access is provided to the Account used to make the purchase and cannot be transferred to another Account or user.

5.3 Access Duration

Unless explicitly stated otherwise at the time of purchase, access to Courses is granted for the lifetime of the Course, meaning as long as Byermangev continues to offer the Course through its platform.

5.4 Restrictions

You agree not to:

  • Copy, reproduce, distribute, publicly display, publicly perform, or create derivative works from our Courses
  • Share your login credentials with others to allow them to access Courses you have purchased
  • Use the Courses for any commercial purpose
  • Attempt to reverse engineer, decompile, disassemble, or otherwise discover the source code of our Website or Courses
  • Remove, alter, or obscure any copyright, trademark, or other proprietary notices from the Course materials

6. Intellectual Property

6.1 Ownership

The Website and all of its original content, features, and functionality, including but not limited to all Courses, text, images, videos, audio, and design, are owned by Byermangev and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

6.2 License to Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website and purchased Courses for your personal, non-commercial use.

6.3 Trademarks

The Byermangev name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Byermangev or its affiliates. You must not use such marks without our prior written permission.

6.4 User Content

If you submit or post content to our Website (such as comments, reviews, or forum posts), you grant us a non-exclusive, worldwide, royalty-free, irrevocable, perpetual license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in connection with providing and promoting the Website and Services.

7. User Conduct

When using our Website and Services, you agree not to:

  • Violate any applicable laws or regulations
  • Infringe the intellectual property rights of others
  • Transmit any material that is defamatory, offensive, harassing, or otherwise objectionable
  • Impersonate any person or entity
  • Engage in any activity that could damage, disable, overburden, or impair our servers or networks
  • Attempt to gain unauthorized access to any parts of the Website or Services
  • Use the Website or Services for any illegal or unauthorized purpose
  • Use any automated means to access or collect data from the Website
  • Interfere with other users' enjoyment of the Website or Services

8. Disclaimer of Warranties

The Website and Services are provided on an "as is" and "as available" basis. Byermangev makes no representations or warranties of any kind, express or implied, regarding the use or the results of the Website or Services.

Byermangev specifically disclaims all warranties, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

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

9. Educational Content Disclaimer

Our Courses and other educational content are intended for informational and educational purposes only. The information provided is not financial advice, investment advice, or any other type of professional advice.

While we strive to provide accurate and up-to-date information in our Courses, we make no representations as to completeness, accuracy, reliability, suitability, or availability of the information. Any reliance you place on such information is strictly at your own risk.

Financial circumstances vary between individuals, and you should consider seeking advice from qualified professionals regarding your specific situation before making any financial decisions.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Byermangev and its directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or in connection with your access to or use of the Website or Services.

In no event shall our total liability to you for all claims exceed the amount you have paid to Byermangev for the Services during the six (6) months preceding the event giving rise to the liability.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.

11. Indemnification

You agree to indemnify, defend, and hold harmless Byermangev, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that such parties may incur as a result of or arising from your violation of these Terms.

12. Term and Termination

These Terms shall remain in full force and effect while you use the Website or Services.

We reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the Website 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 of any applicable law or regulation.

Upon termination:

  • Your right to use the Website and Services will immediately cease
  • If your Account is terminated, you may lose access to any content, data, or other materials you have stored on the Website
  • All provisions of these Terms which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnity, and limitations of liability

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by updating the "Last Updated" date at the top of these Terms and/or by providing other appropriate notice.

Your continued use of the Website and Services after any such changes constitutes your acceptance of the new Terms. If you do not agree to the revised Terms, you must stop using the Website and Services.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law principles.

Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by arbitration in Accra, Ghana in accordance with the rules of the Ghana Arbitration Centre. The language of the arbitration shall be English.

Nothing in this section will prevent either party from seeking injunctive or other equitable relief from the courts for matters related to data security, intellectual property, or unauthorized access to the Services.

15. 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.

16. Waiver

No waiver by Byermangev of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Byermangev to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

17. Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Byermangev regarding your use of the Website and Services and supersede all prior and contemporaneous written or oral agreements between you and Byermangev.

18. Contact Information

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

Email: [email protected]

Postal address: 40 Harper Street, Kumasi, Ghana

Phone: +233 55 441 2098