Terms of Service

Agreement to Terms

By accessing or using the Payveranto website and services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our website or use our services.

Description of Services

Payveranto provides training programmes focused on cooperative formation and governance for farming communities, artisan groups and trade associations in Ghana. Our services include:

• Educational training modules on cooperative governance
• Information about legal requirements for cooperative registration
• Guidance on drafting constitutions and bylaws
• Training on election procedures and financial management
• Instruction on record-keeping and dispute resolution

We provide knowledge and training only. We do not register cooperatives on behalf of groups, manage finances for cooperatives or provide legal representation.

Educational Purpose

All information and training provided by Payveranto is for educational purposes. While we strive for accuracy, the information should not be considered legal advice or a substitute for professional consultation. Participants should verify all information and seek appropriate professional advice when needed.

User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information when requested
• Use the information and training responsibly and lawfully
• Respect intellectual property rights in our materials
• Not misrepresent your affiliation with Payveranto
• Not use our services for any unlawful purpose

Intellectual Property

All content on the Payveranto website, including text, graphics, logos, training materials and software, is the property of Payveranto or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute or create derivative works from our content without express written permission.

Training Programme Terms

Participation in our training programmes is subject to availability and acceptance. We reserve the right to:

• Determine eligibility for training programmes
• Modify training schedules and content as needed
• Cancel or reschedule training sessions when necessary
• Set and modify fees for training services

Participants are expected to attend scheduled sessions and engage constructively with training materials and activities.

Limitation of Liability

Payveranto provides training and information to the extent of our knowledge and expertise. However, we make no warranties or guarantees regarding:

• The outcomes of implementing governance practices taught in our training
• The success or failure of cooperatives formed by training participants
• The accuracy or completeness of all information provided
• The resolution of disputes or governance challenges

To the fullest extent permitted by law, Payveranto shall not be liable for any indirect, incidental, consequential or punitive damages arising from your use of our services or reliance on information provided.

Indemnification

You agree to indemnify and hold harmless Payveranto, its officers, employees and affiliates from any claims, damages, losses or expenses arising from your use of our services, violation of these terms or infringement of any rights of another party.

Third-Party Links

Our website may contain links to third-party websites or resources. These links are provided for convenience only. Payveranto is not responsible for the content, accuracy or practices of external sites.

Modifications to Services and Terms

We reserve the right to modify or discontinue our services, temporarily or permanently, with or without notice. We may also revise these Terms of Service at any time. Continued use of our services after changes constitutes acceptance of the modified terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Ghana. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of Ghana.

Severability

If any provision of these Terms of Service 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.

Contact Information

For questions about these Terms of Service, please contact us:

• Email: info@payveranto.com
• Phone: +233 30 268 0825
• Address: 1 Mayor Rd, Accra, Ghana