Terms of Service

1. Acceptance of Terms

Cediwatch provides financial education content through our website and related services. By accessing or using our services, you agree to these Terms of Service and our Privacy Policy.

2. Educational Purpose Only

Cediwatch is an educational platform. All content is for informational and educational purposes only. We do not provide:

• Financial advice
• Investment recommendations
• Personalized financial guidance
• Guarantees of any kind

3. User Responsibilities

As a user of Cediwatch, you agree to:

• Use the service for lawful purposes only
• Not misuse or abuse the service
• Provide accurate information when required
• Maintain the security of your account
• Not share your account credentials
• Not attempt to access other users' accounts

4. Account Registration

To access certain features, you may need to register for an account. You must:

• Provide accurate and complete information
• Maintain and update your information
• Be at least 18 years old or have parental consent
• Be responsible for all activities under your account

5. Subscription Services

CediGateway is our premium subscription service. By subscribing, you agree to:

• Pay all applicable fees
• Automatic renewal unless cancelled
• No refunds except as required by law
• Subscription terms as displayed at purchase

6. Content Usage

All content on Cediwatch is protected by copyright. You may:

• Access content for personal, non-commercial use
• Share articles via social media with proper attribution
• Reference content with proper citation

You may not:

• Copy, reproduce, or distribute content without permission
• Use content for commercial purposes
• Modify or create derivative works
• Remove copyright notices

7. User-Generated Content

If you submit content to Cediwatch, you:

• Grant us a license to use the content
• Confirm you have the rights to share the content
• Are responsible for the content's accuracy
• Agree not to submit harmful or illegal content

8. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

9. Disclaimer of Warranties

Cediwatch is provided "as is" without warranties of any kind. We do not guarantee:

• Uninterrupted or error-free service
• Accuracy or completeness of content
• That the service will meet your requirements
• That errors will be corrected

11. Indemnification

You agree to indemnify and hold harmless Cediwatch, its affiliates, and employees from any claims, damages, or expenses arising from:

• Your use of the service
• Your violation of these terms
• Your violation of any rights of another
• Your conduct in connection with the service

12. Termination

We may suspend or terminate your access to Cediwatch if you:

• Violate these Terms of Service
• Use the service unlawfully
• Create risk or possible legal exposure
• Fail to pay subscription fees

13. Changes to Terms

We may update these Terms of Service from time to time. We will notify users of significant changes. Continued use after changes constitutes acceptance.

14. Governing Law

These Terms shall be governed by the laws of Ghana. Any disputes shall be resolved in the courts of Ghana.

15. Contact Information

For questions about these Terms of Service, contact us at:

Email: legal@cediwatch.com

Address: Cediwatch, Accra, Ghana