Terms of Service

1. Agreement to Terms

By accessing and using Tisicks financial planning services, you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service ("Terms") govern your use of our website located at tisicks.com and our financial planning services offered by Tisicks, located at 26 Kalpohin Road, Tamale, Ghana.

If you do not agree to abide by the above, please do not use this service. We reserve the right to change these terms at any time by posting updates to this page. Your continued use of the site following any changes constitutes your acceptance of such changes.

2. Description of Services

Tisicks provides comprehensive financial planning services specifically designed for salary earners. Our services include but are not limited to:

• Financial assessment and analysis
• Monthly budget structuring and planning
• Automated bill payment setup and management
• Savings strategy development and implementation
• Mobile banking and fintech tool guidance
• Financial education and consultation services

All services are provided with the understanding that Tisicks is not engaged in rendering legal, accounting, or other professional services. If professional advice or other expert assistance is required, the services of a competent professional should be sought.

3. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information about your financial situation
• Maintain the confidentiality of any login credentials or access information
• Use our services only for lawful purposes and in accordance with these Terms
• Not interfere with or disrupt our services or servers
• Not attempt to gain unauthorized access to any portion of our website or services
• Respect the intellectual property rights of Tisicks and third parties

You acknowledge that you are responsible for implementing our recommendations and that your financial success depends on your consistent application of our strategies and your individual circumstances.

4. Financial Disclaimers

Important financial disclaimers regarding our services:

• Past performance and testimonials do not guarantee future results
• All financial decisions remain your responsibility
• Our recommendations are based on general principles and your provided information
• Market conditions and personal circumstances can affect outcomes
• We do not guarantee specific savings amounts or financial outcomes
• You should consider your risk tolerance and financial goals when implementing our advice

We encourage you to consult with qualified financial professionals for complex financial decisions and to verify that our recommendations align with your specific financial situation and goals.

5. Payment Terms and Refund Policy

Our payment terms and refund policy include:

• Service fees are due as specified in your service agreement
• Payment can be made through approved methods including mobile money and bank transfers
• Refunds may be available within 30 days of service commencement for unused services
• Refund requests must be submitted in writing with valid reasoning
• Completed consultations and delivered materials are generally non-refundable
• We reserve the right to modify our pricing with 30 days notice to existing clients

For specific questions about billing or refunds, please contact us at +233 37 209 9980 or through our contact form.

6. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to:

• The collection and use of your information as described in our Privacy Policy
• The storage of your data on secure servers located in Ghana and partner countries
• Communication from us regarding your services and related financial education
• Anonymous use of your case study for educational purposes (with personal details removed)

We implement appropriate security measures to protect your personal and financial information in accordance with applicable data protection laws.

7. Intellectual Property Rights

All content, materials, and intellectual property related to Tisicks services are protected:

• All website content, including text, graphics, logos, and software, is owned by Tisicks
• Our financial planning methodologies and materials are proprietary
• You may not reproduce, distribute, or create derivative works without permission
• Educational materials provided to you are for personal use only
• Trademarks and service marks are the property of their respective owners

You are granted a limited, non-exclusive license to use our materials solely for your personal financial planning purposes.

8. Limitation of Liability

To the fullest extent permitted by applicable law:

• Tisicks shall not be liable for any indirect, incidental, or consequential damages
• Our total liability shall not exceed the amount you paid for our services
• We are not responsible for losses due to market conditions or external factors
• You acknowledge that financial planning involves inherent risks
• We do not guarantee specific financial outcomes or returns
• Our liability is limited to the direct services we provide

This limitation applies regardless of the legal theory upon which your claim is based, including breach of contract, tort, or any other theory.

9. Termination

Either party may terminate the service relationship:

• You may cancel services at any time with written notice
• We may terminate services for breach of these Terms
• Termination does not affect previously incurred obligations
• Upon termination, access to proprietary materials may be revoked
• Certain obligations survive termination, including confidentiality and payment terms

We will make reasonable efforts to assist with service transition upon termination.

10. Governing Law and Dispute Resolution

These Terms are governed by the laws of Ghana:

• Any disputes shall be resolved under Ghanaian law
• Legal proceedings shall take place in courts located in Tamale or Accra, Ghana
• We encourage resolution through direct communication first
• Mediation may be pursued before litigation
• You agree to the jurisdiction of Ghanaian courts

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

11. Contact Information

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

We are committed to addressing your concerns and ensuring you understand your rights and obligations under these Terms.