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$ cat /etc/policy/terms.md

Terms of Service

Last updated: July 28, 2026

1. Agreement to Terms

By accessing or using this website ("Site") and any services offered through it, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, do not use the Site.

2. Description of Services

The Site provides:

  • Portfolio showcase of professional work and experience
  • Online store for digital and physical products (merchandise, courses)
  • Contact form for professional inquiries
  • Order tracking and download management for purchased products

3. User Accounts

You may create an account for administrative access only. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately of any unauthorized use.

4. Purchases & Payments

Ordering

By placing an order, you confirm you are legally capable of entering into binding contracts. All orders are subject to acceptance and availability.

Pricing

Prices are displayed in NGN (₦) or USD ($) and include applicable taxes unless stated otherwise. We reserve the right to correct pricing errors.

Payment

Payments are processed securely via Paystack and Flutterwave. We do not store full credit card details on our servers.

Digital Products

Digital products (downloads, courses) are delivered via secure download links. Download links expire after 30 days and are limited to 10 downloads per purchase. No refunds on digital products once the download link has been accessed.

Physical Products

Physical products ship to the address provided at checkout. Shipping times vary by location. Risk of loss passes to you upon delivery.

5. Refunds & Returns

  • Digital products: Non-refundable once download link is accessed
  • Physical products: 30-day return policy for unused items in original packaging; buyer pays return shipping
  • Courses: 14-day money-back guarantee if less than 20% of content has been accessed

To request a refund, contact us with your order reference.

6. Intellectual Property

All content on this Site (text, graphics, logos, images, code, downloadable materials) is owned by or licensed to us or controlled by Onyemechi Ifende and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.

7. User Conduct

You agree not to:

  • Use the Site for any unlawful purpose
  • Attempt to gain unauthorized access to any systems
  • Interfere with or disrupt the Site's operation
  • Transmit viruses, malware, or harmful code
  • Scrape, crawl, or extract data without permission
  • Impersonate any person or entity

8. Digital Product License

Upon purchase of a digital product, you are granted a non-exclusive, non-transferable, revocable license to use the product for personal, non-commercial purposes only. You may not resell, redistribute, or share download links.

9. Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses.

10. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from your use of the Site or any products purchased.

Our total liability shall not exceed the amount you paid for the product or service giving rise to the claim.

11. Indemnification

You agree to indemnify and hold harmless Onyemechi Ifende, its affiliates, officers, and employees from any claims, damages, losses, and expenses (including reasonable attorney fees) arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes will be resolved through binding arbitration in Lagos, Nigeria, in the English language.

13. Changes to Terms

We may modify these Terms at any time. Changes are effective immediately upon posting. Your continued use of the Site after changes constitutes acceptance.

14. Termination

We may suspend or terminate your access to the Site at our discretion, without notice, for breach of these Terms. Provisions that should survive termination (IP, disclaimers, limitations of liability) will remain in effect.

15. Severability

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

16. Contact Information

Questions about these Terms? Contact us:

  • Email: onyema@ifende.com
  • Contact Form: index.php#contact
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