Terms and Conditions

Welcome to Spelmore Institute!

These terms and conditions outline the rules and regulations for the use of Spelmore Institute’s Website,
located at https://www.thespelmoreinstitute.com.

By accessing this website we assume that you accept these terms and conditions. Do not continue to use
Spelmore Institute if you do not agree to all of the terms and conditions stated herein on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and
all Agreements: “Client”, “You” and “Your” refers to you, the person log on this website and compliant to
the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company.
“Party”, “Parties”, or “Us”, refers to both the Client and ourselves. All terms refer to the offer,
acceptance and consideration of payment necessary to undertake the process of our assistance to the Client
in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision
of the Company’s stated services, in accordance with and subject to, prevailing law of Ghana. Any use
of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are
taken as interchangeable and therefore as referring to same.

Cookies

We employ the use of cookies. By accessing Spelmore Institute, you agreed to use cookies in agreement with
the Spelmore Institute’s Privacy Policy.

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used
by our website to enable the functionality of certain areas to make it easier for people visiting our
website. Some of our affiliate/advertising partners may also use cookies.

License

Unless otherwise stated, Spelmore Institute and/or its licensors own the intellectual property rights for all
material on Spelmore Institute. All intellectual property rights are reserved. You may access this from
https://www.thespelmoreinstitute.com for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

Republish material from Spelmore Institute
Sell, rent or sub-license material from Spelmore Institute/li>
Reproduce, duplicate or copy material from Spelmore Institute
Redistribute content from Spelmore Institute

This Agreement shall begin on the date hereof.

Parts of this website offer an opportunity for users to post and exchange opinions and information in certain
areas of the website. Spelmore Institute does not filter, edit, publish or review Comments prior to their
presence on the website. Comments do not reflect the views and opinions of Spelmore Institute, its agents
and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions.
To the extent permitted by applicable laws, Spelmore Institute shall not be liable for the Comments or for
any liability, damages, loss or expenses caused, including any consequential damage, loss or expense, and/or suffered as a result of any use of and/or posting of and/or
appearance of the Comments on this website.

Spelmore Institute reserves the right to monitor all Comments and to remove any Comments which can be
considered inappropriate, offensive or causes breach of these Terms and Conditions.

You warrant and represent, and will indemnify Spelmore Institute, their agents and assigns, that:

You are entitled to post the Comments on our website and have all necessary licenses and consents to do
so;
The Comments do not invade any intellectual property right, including without limitation copyright,
patent or trademark of any third party;
The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material
which is an invasion of privacy
The Comments will not be used to solicit or promote business or custom or present commercial activities
or unlawful activity.

You hereby grant Spelmore Institute a non-exclusive license to use, reproduce, edit and authorize others to
use, reproduce and edit any of your Comments, including any names, images or audio visual content, in any and all forms, formats or media.

Hyperlinking to our Content

The following organizations may link to our Website without prior written approval:

Government agencies;
Search engines;
News organizations;
Online directory distributors may link to our Website in the same manner as they hyperlink to the
Websites of other listed businesses; and
System wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls,
and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications or to other Website information so long as the
link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of
the linking party and its products and/or services; and (c) fits within the context of the linking party’s
site.

We may consider and approve other link requests from the following types of organizations:

commonly-known consumer and/or business information sources;
dot.com community sites;
associations or other groups representing charities;
online directory distributors;
internet portals;
accounting, law and consulting firms; and
educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look
unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative
records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of
Spelmore Institute; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does
not falsely imply sponsorship, endorsement or approval of the linking party and its products or services;
and (c) fits within the context of the linking party’s site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website,
you must inform us by sending an e-mail to Spelmore Institute. Please include your name, your organization
name, contact information as well as the URL of your site, a list of any URLs from which you intend to link
to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a
response.

Approved organizations may hyperlink to our Website as follows:

By use of our corporate name; or
By use of the uniform resource locator being linked to; or
By use of any other description of our Website being linked to which makes sense within the context and
format of content on the linking party’s site.

No use of Spelmore Institute ‘s logo or other images, audio visual content and artwork will be allowed for linking absent a trademark license
agreement.

iFrames

Without prior approval and written permission, you may not create frames around our Webpages that alter in
any way the visual presentation or appearance of our Website.

Content Liability

We shall not be held liable for any content that appears on your Website. You agree to protect and
Defend and indemnify us against all claims arising in relation to your Website. No link(s) should appear on any Website that
may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates
the infringement or other violation of, any national laws or any third party rights.

Your Privacy

Please read Privacy Policy

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You agree without exception or reservation
to immediately remove all links to our Website upon request. We also reserve the right to amend these terms
and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be
bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us
any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you
directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or
accuracy; nor do we promise to ensure that the website remains available or that the material on the website
is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude liability in respect of all representations, warranties and conditions
relating to our website and the use of this website. Nothing in this disclaimer will:

limit or exclude our or your liability for death or personal injury;
limit or exclude our or your liability for fraud or fraudulent misrepresentation;
limit any of our or your liabilities in any way that is not permitted under applicable law; or
exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are
subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including
liabilities arising in contract, in tort and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will
not be liable for any loss or damage of any nature whatsoever, including any consequential loss or damage.