Terms of Use

1. About Lumenkernel

Lumenkernel is a financial guidance studio based in Takoradi, Ghana, providing advisory and educational support to individuals, households, and organisations. We are not a licensed bank, credit institution, or investment broker. Our role is to interpret information, provide education, and support decision-making.

2. Eligibility

You must be at least 18 years old or the legal representative of a business or organisation to access our services. By submitting information, you confirm you have the authority to bind yourself or the entity you represent.

3. Acceptable use

You agree not to:

• Misuse or disrupt the website, its servers, or networks.
• Use automated scripts or tools to extract data without consent.
• Share or publish misleading, defamatory, or harmful content through our platforms.
• Infringe on intellectual property rights belonging to Lumenkernel or third parties.
• Attempt to gain unauthorised access to systems or data belonging to Lumenkernel.

4. Service descriptions

We strive to ensure that service descriptions, case studies, and resources on this site are accurate and up to date. However, we reserve the right to modify materials, pricing models (communicated directly to clients), and service availability without prior notice.

5. Professional advice disclaimer

All content is provided for educational purposes and should not be interpreted as investment, legal, or tax advice. Decisions based on our guidance remain the client’s responsibility. We encourage you to consult licensed professionals—such as investment advisors, tax consultants, or lawyers—when making legal or investment commitments.

6. Intellectual property

All materials on this site, including text, graphics, logos, and tools, are owned or licensed by Lumenkernel. You may view, download, and print materials for personal use, provided you maintain proprietary notices. Reproducing or distributing content for commercial purposes without written consent is prohibited.

7. Limitation of liability

Lumenkernel is not liable for indirect, incidental, or consequential damages arising from your use of our site or services. While we take care to maintain accurate information, we do not guarantee that the site will be error-free, uninterrupted, or free of malicious code. Your use is at your own risk.

8. Third-party links

Our site may include links to third-party platforms. These are provided for convenience and do not imply endorsement. We are not responsible for the content, accuracy, or security practices of external sites. Review their policies before sharing information.

10. Governing law and dispute resolution

These Terms are governed by the laws of the Republic of Ghana. Disputes shall first be addressed through informal negotiation. If unresolved, parties may seek mediation or arbitration in Ghana, or pursue remedies through Ghanaian courts.

11. Termination

We may suspend or terminate access to the site or services if you violate these Terms. Termination does not waive our right to seek legal remedies for earlier breaches.

12. Updates to these Terms

We may update these Terms to reflect service enhancements or legal requirements. Changes are effective upon publication, and continued use of the site indicates acceptance.

13. Contact

Questions about these Terms should be directed to [email protected] or +233 27 661 1044.