Terms of Use

1. Acceptance of Terms

By accessing or using the Forgehorizones website located at https://forgehorizones.com (the “Site”), you agree to these Terms of Use. If you do not agree, please discontinue use immediately.

2. Services Overview

We provide information about financial capability programmes, learning resources, and consultation services tailored to Ghana. The Site offers general information only; specific engagements are governed by separate agreements.

3. Eligibility

The Site is intended for users aged 18 or over. Users under 18 may access resources with guidance from a parent, guardian, or authorised institution.

4. Intellectual Property

All content, including text, graphics, logos, worksheets, and downloadable materials, is owned by Forgehorizones or our licensors. You may not copy, distribute, or create derivative works without written permission. Short excerpts may be used for internal educational purposes with attribution.

5. Acceptable Use

You agree not to:

• Use the Site for unlawful purposes.
• Attempt to gain unauthorised access to restricted areas, servers, or networks.
• Disrupt the Site’s operation through automated scripts, malicious code, or denial-of-service attacks.
• Misrepresent your identity or affiliation when submitting forms or inquiries.

6. Security and Cloudflare Services

We use Cloudflare to provide content delivery, DDoS protection, and web application firewalls. Use of the Site may result in traffic routing through Cloudflare’s network, and Cloudflare may collect diagnostic data as described in our Privacy Notice and Cloudflare’s privacy policy.

7. Disclaimers

The Site provides general financial literacy information. We do not offer personalised financial, investment, or legal advice unless explicitly agreed in a separate contract. Information is provided “as is” without warranties of accuracy, completeness, or fitness for a particular purpose. While we strive to keep content current, economic conditions change frequently.

8. Limitation of Liability

Forgehorizones is not liable for any indirect, incidental, or consequential damages arising from use of the Site or reliance on its content. Our total liability for direct damages is limited to the amount you have paid us (if any) for accessing the Site or related services.

9. Links to Third-Party Sites

The Site may contain links to external websites for reference. We do not control these sites and are not responsible for their content, policies, or practices. Access linked sites at your own risk.

10. User Submissions

When you submit forms or send communications, you grant us the right to process the information to respond, coordinate services, and maintain records. You confirm that submissions are accurate and lawful.

11. Changes to the Site

We may modify, suspend, or discontinue any aspect of the Site at any time without notice. Periodic updates may include maintenance downtime or new features. We are not liable for any impact of such changes.

12. Amendments to Terms

We may update these Terms of Use periodically. The “Effective date” will be revised accordingly. Continued use after updates constitutes acceptance of the revised Terms.

13. Indemnification

You agree to indemnify and hold harmless Forgehorizones, its directors, employees, and contractors against claims arising from your breach of these Terms, misuse of the Site, or violation of applicable laws.

14. Governing Law

These Terms are governed by the laws of Ghana. Any disputes will be subject to the exclusive jurisdiction of Ghanaian courts.

15. Contact Information

For questions about these Terms, contact us at [email protected] or +233 20 700 1183. Correspondence can also be mailed to 26 Jubilee Road, Tamale, Ghana.