Terms of Service

These Terms of Service (“Terms”) govern your use of krealumen.org (the “Site”), operated by Krealumen Group Ltd (“Krealumen,” “we,” “us”), based in Accra, Ghana. By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. About this Site

This Site is an informational website about Krealumen Group and its family of companies. It is provided for general information only. We may change, suspend, or withdraw any part of it at any time without notice.

2. No offer and no financial advice

Nothing on this Site is an offer or solicitation to buy or sell any security, or to make any investment, and nothing on it is financial, legal, or investment advice. References to investing describe our business and invite conversation; any actual investment would be made only through separate, formal documentation and where permitted by law. You should take your own professional advice before making any decision.

3. Forward-looking statements

We describe some of our companies as being at earlier stages — Building, Next, or Horizon — and we label them that way on purpose. Those descriptions, and statements about our plans, goals, and expectations, are aspirations, not promises or guarantees. Plans change, and what is described here as intended may develop differently or not at all.

4. Intellectual property

The Site and its content — including text, design, graphics, logos, and the Krealumen and Kreators names and marks — are owned by or licensed to Krealumen and are protected by law. You may view and share links to the Site, but you may not copy, reproduce, or reuse its content for commercial purposes without our written permission.

5. Acceptable use

When using the Site, you agree not to:

• use it for any unlawful or fraudulent purpose;
• submit false information, or content that is abusive, infringing, or harmful, through the contact form;
• attempt to gain unauthorised access to, disrupt, or damage the Site or its infrastructure; or
• use any automated means to misuse the Site or its forms.

6. What you send us

If you contact us through the Site, you are responsible for the accuracy of what you send, and you confirm you are entitled to share it. We handle the personal information you submit in line with our Privacy Policy.

7. Links to other sites

The Site links to other websites, including kreators.online. We are not responsible for the content or practices of sites we do not operate. Following those links is at your own risk, and their own terms and policies will apply.

8. No warranties

The Site is provided “as is” and “as available.” While we work to keep it accurate and running, we do not warrant that it will be uninterrupted, error-free, or free of harmful components, and we make no guarantees about the completeness or accuracy of its content.

9. Limitation of liability

To the fullest extent permitted by law, Krealumen will not be liable for any indirect or consequential loss, or for any loss of profits, data, or goodwill, arising from your use of — or inability to use — the Site. Nothing in these Terms limits any liability that cannot be limited under applicable law.

10. Changes to these Terms

We may update these Terms from time to time. The version on this page, with the “last updated” date shown above, is the current one. Continuing to use the Site after a change means you accept the updated Terms.

11. Governing law

These Terms are governed by the laws of Ghana, and the courts of Ghana will have jurisdiction over any dispute relating to them or to the Site.

12. Contact us

Questions about these Terms? Email hello@krealumen.org, or write to Krealumen Group Ltd, Accra, Ghana.