Terms of Use

1. Acceptance of Terms

Welcome to Guadalajaraucd. By accessing or using our website, mobile applications, services, or content (collectively, the "Services"), you agree to be bound by these Terms of Use ("Terms"). These Terms constitute a legally binding agreement between you and Guadalajaraucd regarding your use of the Services. If you do not agree to these Terms, please do not access or use our Services.

Guadalajaraucd may modify these Terms at any time. We will provide notice of any material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

2. Educational Purpose

Our Services are designed to provide educational information about credit management, debt repayment, and financial literacy. All information, resources, and tools provided through our Services are for general educational purposes only and do not constitute professional financial advice, recommendations, or counseling.

Before making any financial decisions, we strongly recommend consulting with a qualified financial professional who can provide personalized advice based on your specific circumstances.

3. User Accounts and Registration

Some features of our Services may 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 maintaining the confidentiality of your account password and for all activities that occur under your account.

You agree to notify Guadalajaraucd immediately of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with these requirements.

4. User Conduct

When using our Services, you agree not to:

• Violate any applicable law, regulation, or these Terms
• Infringe the rights of others, including privacy and intellectual property rights
• Use our Services to transmit any unauthorized advertising, solicitations, or spam
• Upload or transmit viruses, malware, or other malicious code
• Attempt to gain unauthorized access to our Services, other user accounts, or computer systems
• Collect or harvest user information without permission
• Interfere with or disrupt the integrity or performance of our Services
• Engage in any activity that could disable, overburden, or impair our Services

5. Intellectual Property Rights

The content on our Services, including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Guadalajaraucd or its content suppliers and is protected by international copyright laws.

Guadalajaraucd grants you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for your personal, non-commercial use. You may not reproduce, distribute, display, sell, lease, transmit, create derivative works from, translate, modify, reverse-engineer, disassemble, decompile, or otherwise exploit our Services without our prior written consent.

6. User Content

Our Services 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, including its legality, reliability, and appropriateness.

By posting User Content, you grant Guadalajaraucd a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use, copy, modify, create derivative works based on, distribute, publicly display, publicly perform, and otherwise use that User Content in connection with the operation of our Services or the promotion, advertising, or marketing of our Services, in any format and through any channels.

7. Third-Party Links and Content

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

8. Disclaimer of Warranties

YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

GUADALAJARAUCD DOES NOT WARRANT THAT: (A) OUR SERVICES WILL FUNCTION UNINTERRUPTED, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (B) ANY ERRORS OR DEFECTS WILL BE CORRECTED; (C) OUR SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING OUR SERVICES WILL MEET YOUR REQUIREMENTS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL GUADALAJARAUCD, 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: (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE OUR SERVICES; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OUR SERVICES; (C) ANY CONTENT OBTAINED FROM OUR SERVICES; AND (D) 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.

10. Indemnification

You agree to defend, indemnify, and hold harmless Guadalajaraucd, its directors, employees, partners, agents, suppliers, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including without limitation reasonable legal and accounting fees, arising out of or in any way connected with: (a) your access to or use of our Services; (b) your violation of these Terms; (c) your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right; or (d) any claim that your User Content caused damage to a third party.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located in Ghana for the resolution of any disputes arising out of or relating to these Terms or your use of our Services.

12. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use our Services will immediately cease.

13. Contact Information

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

14. Entire Agreement

These Terms constitute the entire agreement between you and Guadalajaraucd regarding our Services and supersede all prior and contemporaneous written or oral agreements between you and Guadalajaraucd.

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision.