Terms and Conditions

This is a general draft of Terms and Conditions provided for informational purposes. It has not been reviewed by legal counsel and should be adapted to reflect your specific business practices and applicable jurisdiction before use.

1. Acceptance of Terms

By accessing or using the AfriCapital AI website or any associated services (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you should not access or use the Services. Continued use of the Services following the posting of any changes constitutes acceptance of those changes.

2. Description of Services

AfriCapital AI provides predictive risk management and capital protection tools intended for freelancers and independent contractors. The Services may include analysis, reporting, alerts, and related informational content. The Services are provided for general informational purposes and do not constitute financial, legal, tax, or professional advice of any kind.

3. Eligibility

You must be at least 18 years of age and capable of forming a legally binding contract to use the Services. By using the Services, you represent and warrant that you meet these requirements and that all information you provide to us is accurate and current.

4. Account Responsibilities

• Accuracy: You are responsible for providing accurate, complete, and up-to-date information when using the Services.
• Security: You are responsible for maintaining the confidentiality of any login credentials associated with your use of the Services.
• Authorized Use: You agree to use the Services only for lawful purposes and in accordance with these Terms.
• Notification: You agree to notify us promptly of any unauthorized use of your account or any other breach of security.

5. No Financial or Professional Advice

Nothing provided through the Services should be construed as financial, investment, legal, or tax advice. Any predictive insights, alerts, or reports generated by AfriCapital AI are informational tools only and should not be relied upon as the sole basis for any financial or business decision. You should consult a qualified professional before making decisions that affect your finances or business operations.

6. Intellectual Property

All content, trademarks, logos, software, and materials made available through the Services are the property of AfriCapital AI or its licensors and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from any part of the Services without prior written consent.

7. Acceptable Use

You agree not to misuse the Services. Prohibited activities include, without limitation:

• Attempting to gain unauthorized access to any part of the Services or related systems.
• Interfering with or disrupting the integrity or performance of the Services.
• Using the Services to transmit unlawful, harmful, or fraudulent content.
• Reverse engineering, decompiling, or attempting to extract the source code of any software associated with the Services.

8. Fees and Payment

Certain features of the Services may be offered on a paid basis. Where applicable, pricing, billing terms, and payment methods will be presented to you at the time of purchase. You are responsible for all charges incurred under your account. We reserve the right to modify pricing with reasonable advance notice.

9. Third-Party Links and Services

The Services may contain links to third-party websites or integrate with third-party tools that are not owned or controlled by AfriCapital AI. We are not responsible for the content, accuracy, or practices of any third-party sites or services, and your use of them is at your own risk.

10. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. AfriCapital AI does not warrant that the Services will be uninterrupted, error-free, or free of harmful components.

11. Limitation of Liability

To the fullest extent permitted by applicable law, AfriCapital AI and its representatives shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or business opportunities, arising out of or related to your use of, or inability to use, the Services, regardless of the legal theory asserted.

12. Indemnification

You agree to indemnify and hold harmless AfriCapital AI, its owners, and representatives from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of the Services or your violation of these Terms.

13. Suspension and Termination

We reserve the right to suspend or terminate your access to the Services at any time, with or without notice, if we believe you have violated these Terms or engaged in conduct that may harm AfriCapital AI, other users, or third parties. Upon termination, your right to use the Services will immediately cease.

14. Changes to the Services and Terms

We may modify, suspend, or discontinue any part of the Services at any time without liability. We may also update these Terms from time to time. Any changes will be posted on this page with a revised effective date, and continued use of the Services after such changes constitutes your acceptance of the updated Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which AfriCapital AI operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Contact

If you have questions about these Terms, please reach out through the contact channels listed on our Contact page.

Last updated: this policy is a general template and should be reviewed periodically to reflect changes in the Services or applicable law.