Terms of Service

1. Acceptance of Terms

By accessing and using the services provided by Lithophyllous ("Company," "we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service govern your use of our financial planning services, emergency fund planning, automatic savings solutions, and long-term saving strategies provided at our location at 18 Axim Road, Takoradi, Ghana.

2. Service Description

Lithophyllous provides comprehensive financial planning services focused on emergency fund planning, automatic savings solutions, and long-term saving strategies. Our services include:

• Personalized emergency fund planning and calculation
• Automatic savings system setup and optimization
• Long-term financial goal planning and strategy development
• Educational webinars and video-based teaching methods
• Financial consultation and advisory services

All services are provided for informational and educational purposes. We do not provide investment advice or manage client funds directly.

3. Client Responsibilities

As a client of Lithophyllous, you agree to:

• Provide accurate and complete financial information when requested
• Implement recommended strategies at your own discretion and risk
• Maintain confidentiality of any proprietary methodologies shared
• Pay all fees and charges in accordance with our fee schedule
• Notify us promptly of any changes in your financial situation

4. Financial Disclaimers

Important: The financial strategies and advice provided by Lithophyllous are for educational and informational purposes only. We do not guarantee any specific financial outcomes or returns on savings or investments.

All financial decisions remain solely your responsibility. Past performance of strategies does not guarantee future results. You should consult with qualified financial professionals before making significant financial decisions.

5. Privacy and Confidentiality

We are committed to protecting your privacy and maintaining the confidentiality of your financial information. Our privacy practices are detailed in our Privacy Policy, which is incorporated by reference into these Terms of Service.

We will not share your personal or financial information with third parties without your explicit consent, except as required by law.

6. Fees and Payment Terms

Our fee structure is transparent and will be clearly communicated before any services are provided. Fees may include:

• Initial consultation fees
• Financial planning service fees
• Ongoing advisory fees (if applicable)
• Workshop and webinar fees

Payment is due as specified in your service agreement. Late payments may result in suspension of services.

7. Limitation of Liability

To the maximum extent permitted by law, Lithophyllous shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

Our total liability for any claims related to our services shall not exceed the amount you paid for the specific service giving rise to the claim.

8. Intellectual Property

All content, methodologies, educational materials, and proprietary systems developed by Lithophyllous remain our intellectual property. You may not reproduce, distribute, or create derivative works from our materials without written permission.

Our video-based teaching methods, financial planning templates, and proprietary calculation tools are protected by copyright and other intellectual property laws.

9. Termination

Either party may terminate the service relationship at any time with written notice. Upon termination:

• You remain responsible for all fees incurred up to the termination date
• We will provide any completed work or recommendations
• Confidentiality obligations continue after termination
• You must cease using any proprietary materials or methodologies

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Ghana. Any disputes arising from these terms or our services shall be resolved through the courts of Ghana, with jurisdiction in Takoradi.

11. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes acceptance of the new terms.

We will make reasonable efforts to notify clients of significant changes to these terms.

12. Contact Information

If you have any questions about these Terms of Service, please contact us:

13. Severability

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