Terms and Conditions

Welcome to Cr8tify.com, Billboard.ng, and Francis Abogonye Coaching Programs (collectively referred to as “we,” “us,” or “our”).

Please read these Terms and Conditions carefully before purchasing, accessing, or using any of our Programs, Products, or Services.

Please also review our Privacy Policy for how your information is stored and shared.

By purchasing any product or service from us, you agree to abide by all policies and procedures outlined in this agreement as a condition of your purchase. These Terms and Conditions (the “Terms”) form a binding contract between us and you (“Customer” or “you”).

Acceptance of Terms

You may only use the websites operated by us (the “Websites”) if you first accept these Terms. Your continued use of our Websites or purchase of any products or services constitutes your acceptance of these Terms. If you create an account on any of our Websites, you are responsible for maintaining the security of your account and data, and you are fully responsible for all activities that occur under your account.

If you become aware of any unauthorized use of your account, notify us immediately at support@cr8tify.com.

Product Details

You acknowledge and agree that:

  1. We and our employees are not doctors, lawyers, accountants, therapists, or financial advisors. Any information or products we provide are for educational purposes only and do not substitute for professional advice or treatment.
  2. You are solely responsible for your progress and results. We make no guarantees about your success.
  3. We do not:
    • Procure employment or business opportunities for you.
    • Provide financial, legal, or psychological advice.
    • Act as publicists or connect you with our networks without a separate agreement.

Methods of Payment

  • Full Payment: Payment can be made via credit card or debit card upon registration.
  • Installments: If you choose to pay in installments, you authorize us to charge your card as per the agreed schedule. You are responsible for ensuring timely payments. If your account becomes overdue by 30 days or more, we may refer it to collections, and you will be responsible for all associated fees and costs.

Refund Policy

All purchases are non-refundable unless stated otherwise in the specific terms and conditions for a program or product. For Francis Abogonye Coaching Programs and courses, we offer refunds on certain offers if you strictly adhere to all provided instructions and meet the specific conditions outlined in the offer. Refund eligibility will be determined based on compliance with these conditions, including timely submission of assignments, full participation in sessions, and fulfillment of any additional outlined requirements. If these conditions are not met, no refund will be issued.

Privacy Policy Incorporated Herein

Our Privacy Policy is incorporated into these Terms. By agreeing to these Terms, you also agree to our Privacy Policy. For more details, refer to the Privacy Policy available on our Websites.

Ordering of Services

While we strive to deliver quality services, we do not guarantee satisfaction. Prices for products and services are listed on our Websites and are subject to change without notice. In the event of pricing or typographical errors, we reserve the right to cancel or refuse any orders.

Non-Disparagement Clause

Neither party will engage in any conduct or communication, public or private, that is designed to disparage the other. Any violation of this clause will be grounds for immediate termination of our business relationship.

Intellectual Property Rights

All materials provided as part of our products and services are proprietary and for your personal use only. You agree not to reproduce, distribute, or share any materials without prior written consent. All copyrights, trademarks, and other intellectual property rights remain with us.

Minimum Age Requirement

Our products and services are intended for individuals aged 18 or older. By accessing our Websites or purchasing products, you confirm that you meet this requirement.

Third-Party Links

Our Websites may include links to third-party sites. We are not responsible for the content, policies, or practices of such sites. Use of third-party links is at your own risk.

Electronic Communications

By using our services, you consent to receive communications from us electronically. This includes emails, notices, and disclosures that satisfy any legal requirements for written communication.

Disclaimer of Warranties

Our products and services are provided “as is” and “as available.” We disclaim all warranties, express or implied, including but not limited to merchantability and fitness for a particular purpose.

Limitation of Liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, punitive, or consequential damages arising from your use of our products or services.

Indemnification

You agree to indemnify and hold harmless Cr8tify.com, Billboard.ng, Francis Abogonye Coaching Programs, and their affiliates from any claims, damages, or expenses arising from your use of our products or services.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of [your jurisdiction]. Any disputes will be resolved through binding arbitration or in the courts of [your jurisdiction].

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on our Websites, and your continued use of our services constitutes acceptance of the modified Terms.

Contact Information

For questions or concerns about these Terms, contact us: