HKC Privacy

This copyright policy applies to any and all uses of HKC Materials or HKC Services.

HKC Materials and HKC Services are Intellectual Property (IP) of HAWA KOMBIAN CONSULTING LTD. (hereinafter referred to as “HKC”) and are protected by copyright. Strict limitations apply to the use and reuse of this IP.

Definitions:

“HKC Materials” means all HKC material, including without limitation: information and material as well as all products, software, website, frameworks, methods, Trade Secrets, knowledge, ideas, approaches, associated descriptions, categorization, classification, objects, meta objects, artefacts, maps, matrix and models, in whatever form or media they may be used (including print media, online media, books, articles, audiovisual works, blogs, wikis, or any other format or medium). HKC Materials also includes all text, images, documentation, screenshots, web sites, photographs, video footage, etc. of HKC, in whatever media they may be used (including print media, online media, books, articles, audiovisual works, blogs, wikis, or any other format or medium).

“HKC Services” means all creation, customization, modification, implementation, application, supervision, communication, sharing or any other work, activity or service related to HKC and HKC Materials.

“You” means any reader of this copyright policy, any purchaser and/or user of HKC Materials and/or HKC Services, including without limitation: any employee, member, director, officer, shareholder, board member, partner, agent, representative or affiliate of aforementioned reader, purchaser or user of HKC Materials and/or HKC Services. Anyone included in this definition shall be bound by the terms of this copyright policy and deemed to accept them.

All text, images, and content presented on this website are the property of HKC, unless otherwise noted. HKC Materials and HKC Services are protected by law, including, but not limited to, internationally recognized Canadian, United States and/or European Union law, as well as any other laws or statutes which may apply. Except as specifically indicated otherwise in writing, HKC is the sole owner of the copyright in the HKC Materials and HKC Services, and HKC reserves all rights in that regard.

Use of HKC Materials and HKC Services as authorized by contract:

Your usage of and access to HKC Materials and/or HKC Services must be authorized in writing by HKC. This authorization is done on a non-exclusive, one-time-only basis, subject to certain terms and conditions, and subject to the applicable pricing, all of which as determined by a contract.

Third parties wishing to use HKC Materials and/or HKC Services must obtain HKC’s permission to do so prior to exercising such use.

Covenants for Use:

Unauthorized use or misuse of any HKC Materials or HKC Services is expressly prohibited.

The following covenants apply to all pre-authorized uses of HKC Materials and HKC Services, and shall be strictly adhered to. Non-adherence to any of the following covenants shall be considered a breach of this copyright policy, subject to any remedies available to HKC.

HKC Materials and all copies thereof shall remain the exclusive property of HKC.
You shall not reproduce, modify, copy, aggregate, distribute, transmit, display, publish, license or transfer any HKC Materials and/or HKC Services.
You shall not directly or indirectly attempt to reconstruct any HKC Materials and/or HKC Services, whether fully or partially, in any way, shape or form through the use of company records, memory or other.
You shall in no circumstances create derivative works of HKC Materials and/or HKC Services, or sell any information You gain access to through HKC.

You may only use the HKC Materials and/or HKC Services without modification (except as may be necessary to resize or otherwise convert the HKC Materials and/or HKC Services to a permitted format).
You may not use the HKC Materials and/or HKC Services in any offensive manner or context, for example in a way that is defamatory, disparaging or libelous to, or otherwise presents false or misleading information regarding HKC or any other party, including their products or services; in conjunction with obscene or pornographic material; in a manner that suggests bias based on race, national origin, gender, sexual orientation, or religion; or in any manner that would be illegal under applicable law.
You may not imply any HKC partnership, sponsorship, agency, affiliation, endorsement or any other relationship, unless expressly permitted by written contract with HKC, such as a valid partnership, sponsorship, agency, affiliation or endorsement contract. Any implication in absence of such a contract constitutes an infringement against the HKC brand and its IP rights.
You may not use the HKC Materials and/or HKC Services for a purpose competitive with HKC or its products unless otherwise clearly permitted by applicable contract or law.
You may not use any HKC logo, trade mark or design mark.

Following their release for usage, HKC Materials and/or HKC Services may only be used for the specific purpose, function or solution that they were tailored for, as set out in a written agreement or contract with HKC. While the released HKC Materials and/or HKC Services can be used by the specific individual or group for which it was explicitly released, it can not be reused, reproduced, modified, copied, aggregated, distributed, transmitted, displayed, published, licensed or transferred in any other way. Neither the HKC Materials and/or HKC Services can be used, re-used, modified or reproduced by any team, group, area, department, business unit or entity other than the specific group for which they were released. Automating any of the HKC Materials and/or HKC Services requires special approval and coordination from HKC and may require payment of additional fees.

If You use or receive any HKC Materials and/or HKC Services, You agree with the Policies of HKC and are bound to keep the intellectual property of HKC confidential and secure. If You allow, whether actively or passively, the material to be released, reused, reproduced, modified, copied, reconstructed, aggregated, distributed, transmitted, displayed, published, licensed or transferred in any way, You will be held accountable for any breach which may occur. Following such a breach, You will be invoiced for the HKC Materials and/or HKC Services, as well as any applicable fees or remedies which may be available to HKC.

Governing Law and Jurisdiction:

This policy is governed exclusively by, and is to be enforced, construed and interpreted exclusively in accordance with, the laws of Ghana, or the laws of the Country in which a breach, dispute, or action arises, at the sole and unfettered discretion of HKC, and such laws shall be deemed to be the proper and applicable laws of this. Each Party will submit to the exclusive jurisdiction of the appropriate Courts and all courts having appellate jurisdiction thereover, in any suit, action or other proceeding arising out of or relating to this policy.

Each party waives and will not assert by way of motion as a defense or otherwise in any such action, any claim that:

such party is not subject to the jurisdiction of such Court;
such action is brought in an inconvenient forum;
the venue of such action is improper; or
any subject matter of such action may not be enforced in or by such Court;

and will not seek and hereby waives in any suit or action brought to obtain a judgment for the recognition or enforcement of any final judgment rendered in an action and review, other than by way of appeal, in any court of any other jurisdiction of or pertaining to the merits of any action, whether or not such party appears in or defends the action.

Severance of Terms:

If any provision contained in this policy is held by any competent authority to be invalid or unenforceable in whole or in part, it shall insofar as it is severable from the remainder of the policy, be deemed to be omitted from the policy and the validity of the other provisions contained in this policy and the remainder of the provision in question shall not be affected thereby.

The following are the terms of an agreement between You and Hawa Kombian Consulting LTD (hereafter “HKC”). By accessing or using HKC content or its website pages (the “Website”), you acknowledge that you have read, understand, and agree to be bound by these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, please do not use this Website or any HKC content.

For the purpose of these Terms, “You” shall include any reader of these Terms, any and all natural or legal persons, who, directly, indirectly or by third parties interposed, are parent, subsidiary, affiliated, related or associated to You and Your directors, officers, shareholders or employees. Anyone included in this definition shall be bound by these terms and deemed to accept them.

HKC may, without notice to you, at any time, revise these terms and any other information contained on its Website pages. HKC may also make improvements or changes in the standards, software, services, or programs described in its Website pages at any time without notice.

Unauthorized use, disclosure, appropriation, reproduction or misuse of HKC materials and/or services in any form whatsoever, whether in absence of a contract or outside the use permitted by a contract, may result in invoicing issued to you and/or to the relevant person(s) based on the applicable fees at the time of such unauthorized use or misuse, in addition to any other such fees, rights and remedies as may be available to HKC. You fully acknowledge and agree that such Invoicing as per these terms and any such additional remedy shall be deemed by you to be appropriate and reasonable in the circumstances.

Our content and its Website pages contain proprietary notices and copyright information, the terms of which must be observed and followed.

HKC hereby grants you a non-exclusive, non-transferable, limited permission to access and view the webpages within its Website as a customer or potential customer of HKC provided you comply with these terms, and all copyright, trademark, and other proprietary notices remain intact. All other use of its Website pages and its content is prohibited.

HKC assumes no responsibility regarding the accuracy of the information that is provided by HKC and use of such information is at your own risk. HKC provides no assurances that any reported problems may be resolved with the use of any information that HKC provides.

HKC’s Website pages may contain links to other third-party websites, which are provided as additional resources for Your convenience. HKC does not endorse, sponsor, or accept any responsibility for these third-party websites. You hereby agree to familiarize yourself with any and all terms, conditions, and policies, which may apply to the use of such third-party website, and to direct any concerns relating to these third-party websites to the relevant website administrator(s).

HKC makes no representations whatsoever about any other website, which You may access through this one. When You access a third-party web site, You understand that it is independent from HKC and that HKC has no control over the content on that website. In addition, a link to a third-party website does not mean that HKC endorses or accepts any responsibility for the content, or the use, of such website. It is up to You to take precautions to ensure that whatever You select for use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

You will not (i) violate the security of the Website nor attempt to gain unauthorized access to the Website, data, materials, information, computer systems or networks connected to any server associated with the Website, through hacking, password timing or any other means; (ii) take nor attempt any action that, in the sole discretion of HKC, imposes or may impose an unreasonable or disproportionately large burden on the Website or its infrastructure; (iii) use nor attempt to use any “scraper,” “robot,” “bot,” “spider,” “data mining,” “computer code,” or any other automated device, program, tool, algorithm, process or methodology to access, acquire, copy, or monitor any portion of the Website, any data or content found on or accessed through the Website without the prior written consent of HKC; (iv) forge headers or otherwise manipulate identifiers in order to disguise the origin of any other content.

HKC reserves the right to change, update or discontinue any aspect of its Website pages at any time without notice. Your continued use of its Website pages after any such change constitutes your agreement to these Terms of Use, as modified. HKC may at any time revise these terms by updating this posting. By using its Website pages, you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then current terms to which you are bound.

Disclaimer of Liability:

While the information contained in HKC content and its Website pages has been obtained from sources believed to be reliable, HKC disclaims all warranties as to the accuracy, completeness or adequacy of such information. You assume sole responsibility for the use You make of HKC content to achieve Your intended results. HKC assumes no liability whatsoever for any occurrence, results obtained, or loss or damage incurred, as a result of application of any information presented herein or otherwise provided by HKC.

Giveaways:

From time to time, HKC hosts giveaways in conjunction with third-parties that HKC believes would be of interest to its readers. All giveaways are subject to national sweepstakes laws, in addition to such third-party’s applicable terms and conditions.

Commissions:

HKC is a for-profit entity. HKC may present affiliate links throughout its website(s). By clicking and/or purchasing items via certain links on any HKC website pages, you acknowledge that HKC may receive a commission.

Results:

You hereby acknowledge and agree that individual outcomes will vary. Case studies or testimonials are not indicative of typical results. Each individual user of HKC products, services, information, and offerings, may have different backgrounds, disposable income levels, motivation, and other factors that are outside of HKC control. As such, HKC cannot predict or guarantee any level of success merely from your access or purchase of HKC products, services, or related material(s).

Refunds:

Due to the nature of the services and/or products provided by HKC, refunds may only be offered on certain products or services of HKC. Unless otherwise stated in writing, or as may be required by Ghanaian laws and regulations, most HKC products and services may be eligible for a refund within THREE (3) days of purchase. Please contact HKC for more information, or to initiate a refund request.

Chargebacks:

You agree to make every attempt to request a refund prior to attempting a chargeback with your financial institution. In the event of a chargeback attempt, you expressly agree to forfeit any and all applicable bonuses, affiliate bonuses, or other materials afforded to you in exchange for your original purchase of HKC products or services. HKC reserves the right to present proof of your access and these terms and conditions to the financial institution investigating the dispute.

Recurring Payments:

If you have signed up for a payment plan, you hereby authorize HKC’s continued access to your financial information stored by HKC or its third-party financial processing entities until your payment plan is complete.

Conduct:

You hereby agree, undertake, and covenant not to make any false, negative, disparaging, critical, or otherwise defamatory comments or inferences, whether written or oral, nor cause or encourage others to make any such comments or inferences, regarding HKC, or any of the clients, affiliates, officers, directors, partners, shareholders, employees, or agents of the HKC, nor to engage in any conduct which might discredit or bring into disrepute the reputation of HKC or cause HKC to suffer a financial hardship, where hardship shall include but not be limited to any cause of action or litigation where the HKC is a party. If at any time we feel you have violated these terms, or have otherwise engaged in conduct which may be detrimental to HKC or casts HKC in a negative light, then HKC shall be entitled to immediately terminate your use of any HKC website pages and any related communications, products, or materials, as HKC may deem appropriate. It is within HKC’s sole discretion to allow any user to access its website pages, and HKC may revoke this access at any time without notice, and, if necessary, block any IP address from further visits to any HKC site(s).

Governing Law and Jurisdiction:

Each party waives and will not assert by way of motion as a defense or otherwise in any such action, any claim that:

such party is not subject to the jurisdiction of such Court;
such action is brought in an inconvenient forum;
the venue of such action is improper; or
any subject matter of such action may not be enforced in or by such Court;

Severance of Terms:

Disclosure of Your Personal Information:

Hawa Kombian Consulting LTD. (hereafter “HKC”) may disclose your personal information to a government institution that has asserted its lawful authority to obtain the information or where HKC has reasonable grounds to believe the information could be useful in the investigation of unlawful activity, or to comply with a subpoena or warrant or an order made by a court, person or body with jurisdiction to compel the production of information, or to comply with court rules regarding the production of records and information, or to protect HKC’s rights and property. If HKC is involved in a merger or other reorganization, HKC may disclose your personal information to the resulting organization.

You further agree that HKC may share your information with its world-wide affiliates, and collect, use, and disclose your information, including for, but not limited to, the purposes of performing the services you’ve requested. You hereby consent to such disclosure, and further acknowledge that our world-wide affiliates may from time to time be required to disclose certain information in response to valid demands or requests from governments, regulators, courts, and law enforcement authorities in those jurisdictions or countries.

Anti-Spam:

We are committed to complying with International Anti-Spam Laws as it may be amended from time to time, and any other applicable rules and regulations under or relating to International Anti-Spam Law. All electronic messages that encourage participation in a commercial activity (customer experience management) sent to you from us will be in compliance with the requirements of International Anti-Spam Law, including, without limitation:

Sender identification, and sender contact information;
Any unsubscribe mechanism;
The processing requests to no longer receive customer experience management; and
Ensuring that any customer experience management you receive from us includes a descriptive subject line consistent with the purpose for contacting you.

If you choose to ‘unsubscribe’, HKC will no longer be able to communicate with you by electronic means. When you unsubscribe using the links provided in our customer experience management, your request will be processed as soon as possible, and no later than 10 business days after you send the request.

Website Terms of Use:

The Terms of Use governing your use of our Website pages contains important provisions disclaiming and excluding the liability of HKC and others regarding your use of the Website pages and provisions determining the applicable law and exclusive jurisdiction for the resolution of any disputes regarding your use of the Website pages. Each of those provisions also applies to any disputes that may arise in relation to this Policy and the collection, use and disclosure of your personal information, and are of the same force and effect as if they had been reproduced directly in this Policy.

Former Users:

If you stop using the Website pages or your permission to use the Website pages is terminated by HKC, HKC may continue to use and disclose your personal information in accordance with this Policy as amended from time to time, and subject to compliance with the law.

Policy Changes:

This Policy may be changed by HKC from time to time in HKC's sole discretion and without any prior notice or liability to you or any other person. The collection, use and disclosure of your personal information by HKC will be governed by the version of this Policy in effect at that time. New versions of this Policy will be posted here. Your continued use of the Website pages and receipt or request of any electronic communication subsequent to any changes to this Policy will signify that you consent to the collection, use and disclosure of your personal information in accordance with the changed Policy. Accordingly, when you use the Website pages or receive or request any electronic communication, you should check the date of this Policy and review any changes since the last version. You should also bookmark this page and periodically review this Policy to ensure that you are familiar with the most current version.

Governing Law and Jurisdiction:

Each party waives and will not assert by way of motion as a defense or otherwise in any such action, any claim that:

such party is not subject to the jurisdiction of such Court;
such action is brought in an inconvenient forum;
the venue of such action is improper; or
any subject matter of such action may not be enforced in or by such Court;

Severance of Terms:

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