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Terms and Conditions of Use

This User Agreement ("Agreement") is entered into by and between HKKO GOLD ("Company," "we," "our," or "us") and you ("User" or "your"); meaning the individual, entity, or business that you represent, governing your access to and use of our Websites, including our websites, mobile applications, and any associated services (collectively, the "Websites").

This website is operated by HKKO GOLD of [Insert Address, Accra, Ghana], a company incorporated under the laws of the Republic of Ghana, under the domain name hkkogold.com.

By accessing or using our websites, you confirm that you have read, understood, and agree to be bound by this Agreement and our Privacy Policy. If you do not agree, you may not use the Websites or services.

1. Conditions of Use

a. Age Restriction: The Websites are not directed at, nor intended for use by, individuals under 18 years of age. We do not knowingly collect personal data directly from individuals under 18 years of age.

b. Representation: By accessing and using our Websites, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

c. General Use:

The Websites are provided on an "as is" and "as available" basis. HKKO GOLD does not guarantee that the Websites will:

  • Be fit for a particular purpose or of satisfactory quality;
  • Be secure, reliable, or timely;
  • Be accurate, current, or complete; or
  • Operate without interruptions or errors, or technical problems.

Your use of the Websites indicates acceptance of these Terms. We reserve the right to amend these Terms at any time by publishing updated Terms on the Websites. Continued use of the Websites after amendments constitutes agreement to the updated Terms.

HKKO GOLD disclaims liability for third-party applications or services used to access the Websites. You use the Websites at your own risk. HKKO GOLD is not responsible for any harm or loss you experience while using them. We do not provide financial, legal, investment, or taxation advice. Users are encouraged to seek professional advice.

2. Usage Guidelines

By creating an account on the Websites, you agree to respect and follow our guidelines, policies and codes on websites designated for businesses and everyone:

  • Provide accurate and up-to-date information about yourself during registration;
  • Maintain and promptly update your account details to ensure accuracy, current, and complete.
  • You are solely responsible for maintaining the confidentiality of your account credentials and must immediately report any unauthorized access.
  • The Websites are intended for lawful, personal use only. You agree not to engage in any activity that:
  • Infringes upon the rights of other users;
  • Violates any applicable Ghanaian or international laws;
  • Uploads or distributes harmful, obscene, or defamatory content.
  • Unauthorized use, reproduction, or distribution of any content on the Websites is strictly prohibited. If found, you will be liable to severe consequences.

Failure to comply may result in account suspension or termination.

3. Intellectual Property

All content, trademarks, graphics, and other intellectual property related to our websites are owned or licensed by HKKO GOLD, unless otherwise stated.

We, or our licensors, own all rights to the content, structure, and functionality of the platform and services, including but not limited to:

  • The design, compilation, and overall look and feel of the platform.
  • All copyrighted materials, registered and unregistered trademarks, designs, code, software, data models, and other proprietary assets.
  • All gold coin designs and branded elements created by HKKO GOLD.

Our gold coins and designs are specifically protected under the following Ghanaian legislation:

  • The Copyright Act, 2005 (Act 690)
  • The Trademarks Act, 2004 (Act 664)

This excludes:

  1. User-generated content, such as reviews or testimonials, which remain the property of the original authors.
  2. Customer-provided data, including consumer information used in invitations, transactions, or communications.

You may not copy, reproduce, modify, distribute, or create derivative works from our content or intellectual property without our prior written consent. Unauthorized use, reproduction, or sale of protected content is strictly prohibited and may lead to legal action.

3.1. Customer Intellectual Property

You retain ownership of your own intellectual property, including but not limited to your logos, brand names, and trademarks ("Customer IP").

By using our services, you grant HKKO GOLD and its affiliates a limited, non-exclusive, royalty-free license to use your Customer IP solely for the purpose of:

  • Providing, operating, and maintaining our services and platform;
  • Administering and supporting your account and user experience;
  • Fulfilling our contractual and legal obligations under this Agreement.

This license is restricted to the operational scope of the services and does not grant us any ownership over your intellectual property.

3.2 User-Generated Content

"User-Generated Content" refers to any content created by or originating from you, your consumers, or any user of our platform or services, including but not limited to:

  • Images
  • Products
  • Testimonials
  • Comments
  • Other submitted materials

By submitting or facilitating the creation of such content, you grant HKKO GOLD a perpetual, worldwide, irrevocable, royalty-free, transferable, and sublicensable license to:

  • Use, copy, modify, adapt, distribute, publish, translate, publicly display, and create derivative works based on such content
  • Share and make it available through our platform, affiliated services, and third-party networks (e.g., Google)

3.3 Platform Activity Data

We may collect and generate data based on your use of our platform and services, including:

  • Analytics and performance metrics
  • Technical data and interaction logs
  • Derivative information from user-generated content

3.4 Feedback

We value and encourage your feedback. Any suggestions, comments, ideas, or other feedback you provide to us, whether solicited or unsolicited may be used by us in any manner.

4. Problems and Support

We are committed to providing high-quality service. If you experience any technical issues, need help using our platform, or have questions about your account, we encourage you to consult our Help Center and support resources.

If the Help Center does not resolve your issue, you may contact our Support Team for further assistance. Our team can help with:

  • Navigating or accessing your account
  • Technical or service-related issues
  • Product guidance and FAQs
  • General inquiries related to our services

To contact support, please email:

support@hkkogold.com

5. Third-Party Products and Services

Our platform and services may include links to, integrations with, or descriptions of third-party products and services ("Third-Party Services"). These are provided for your convenience, but they are governed by the separate terms, conditions, and privacy policies of their respective providers.

Please note the following:

  • Third-party terms apply: Use of any third-party service is governed by that provider's terms and privacy notice.
  • Descriptions are provided by third parties: While we may present information or links about third-party products, these descriptions are provided by the third parties themselves.
  • No endorsement or liability: HKKO GOLD does not endorse, certify, or recommend any third-party product or service.
  • At your own risk: Your use of third-party services and websites is entirely at your own risk.

6. Live Prices and Discounts

At HKKO GOLD, we use live, real-time pricing for our products and services. The prices displayed on our platform are subject to change at any time.

  • Live Pricing: Our pricing reflects the current rates for the products and services offered.
  • Discounts and Promotions: Any discounts, promotions, offers, or special pricing apply only to the specific period stated.
  • No Obligation for Continuation: We are not obligated to continue offering any discounts or promotions.

7. Privacy Policy

Personal data submitted through the Websites is handled in accordance with our Privacy Policy and applicable Ghanaian data protection laws, including the Data Protection Act, 2012 (Act 843).

8. Confidential Information

We understand the importance of confidentiality and take reasonable precautions to protect your confidential information.

9. Disclaimer of Warranties

Websites are provided "as is" and "as available," without warranties of any kind, either express or implied.

10. Termination of Use

HKKO GOLD reserves the right to terminate, suspend, or restrict your access to the Websites and services at its sole discretion.

11. Suspension

We may suspend all or part of your access to our platform and/or services in certain circumstances.

12. Limitation of Liability

HKKO GOLD will not be liable for any direct, indirect, incidental, consequential, or punitive losses, damages, or expenses arising from the use or inability to use the Websites.

13. Indemnities

You agree to indemnify, defend, and hold harmless HKKO GOLD and its affiliates from all claims and expenses.

14. Modifications to the Agreement

We may update this agreement at any time. For significant changes, we'll try to notify you in advance.

15. Waiver

Failure to enforce any provision of these Terms does not constitute a waiver of our rights.

16. Severability

If any provision of these Terms is deemed unlawful or unenforceable under Ghanaian law, it shall not affect the validity of the remaining provisions.

17. Governing Law

These Terms are governed by the laws of the Republic of Ghana. Disputes are subject to the jurisdiction of the courts of Ghana.

18. Inconsistency

In the event of any conflict or inconsistency between these Terms of Use and any other terms or conditions appearing elsewhere on the Websites, these Terms of Use shall prevail.

19. Contact Information

For any inquiries, including business, legal, or customer-related matters, you can reach us via:

HKKO GOLD

[Insert Full Address, Accra, Ghana]

info@hkkogold.com

www.hkkogold.com

[Insert contact phone number, if applicable]

By using the Websites, you agree you have read, understood the contents and consented to the terms outlined in the Privacy Policy.