Terms of Use

Effective date: December 7, 2025

These Terms of Use govern access to and use of kernellumen.com (“Website”) and associated services provided by ACE MARKETING & PROMOTIONS, INC. (“we”, “our”, “us”). By visiting the Website or engaging our educational services in Ghana, you agree to comply with these Terms.

1. Eligibility and acceptance

By accessing the Website or using our services, you confirm that you are at least 18 years old or have parental/guardian consent, and that you are capable of entering into a binding agreement. If you disagree with any part of these Terms, please discontinue use of the Website.

2. Educational purpose

The Website provides financial literacy content intended for educational purposes. We do not provide regulated financial, investment, tax, or legal advice. Participants should consult qualified professionals where specialised advice is required. Outcomes may vary based on individual circumstances and we do not guarantee specific financial results.

3. User responsibilities

When interacting with the Website or our facilitators, you agree to:

  • Provide accurate, current, and complete information when requested.
  • Use materials for lawful purposes and respect intellectual property rights.
  • Refrain from distributing harmful code or engaging in unauthorised access attempts.
  • Respect the privacy of other participants during group sessions and refrain from recording without consent.

4. Intellectual property

All content on the Website, including text, graphics, tools, and lesson materials, is owned by or licensed to us. You may download or print resources for personal or organisational use, provided you retain proprietary notices. You may not sell, redistribute, or create derivative works without written permission.

5. Third-party links and tools

The Website may feature links to third-party platforms or tools. These links are provided for convenience and do not signify endorsement. We are not responsible for the content, privacy practices, or availability of third-party sites. Users should review third-party terms and policies independently.

6. Limitation of liability

To the fullest extent permitted by Ghanaian law, we are not liable for any indirect, incidental, or consequential damages arising from the use of our Website or services. We maintain reasonable efforts to ensure content accuracy but do not warrant error-free or uninterrupted access. Users assume responsibility for implementing financial decisions based on our educational materials.

7. Indemnification

You agree to indemnify and hold harmless ACE MARKETING & PROMOTIONS, INC., its officers, employees, and partners from any claims, damages, or expenses arising from your misuse of the Website or violation of these Terms.

8. Compliance with Ghanaian law

These Terms are governed by the laws of Ghana. Any disputes shall be subject to the jurisdiction of the courts of Ghana. We comply with the Data Protection Act, 2012 (Act 843) and other applicable legislation relevant to our operations.

9. Modifications

We may update these Terms periodically to reflect operational changes, legal requirements, or new services. Updated versions will be posted on this page with a revised effective date. Continued use of the Website after changes indicates acceptance of the revised Terms.

10. Contact information

For questions or concerns regarding these Terms, contact:

ACE MARKETING & PROMOTIONS, INC.
457 Rockaway Ave, Valley Stream, NY 11581, serving Ghanaian clients remotely
Phone: +233 24 711 5094
Email: [email protected]