By accessing and using [Your Website URL], you agree to comply with and be bound by the following terms and conditions. Please read them carefully.

1. Acceptance of Terms

By using our website, you agree to these terms and conditions. If you do not agree, you must not use our website.

2. Use of Our Website

  • Eligibility: You must be at least 18 years old to use our site.
  • License: We grant you a limited, non-exclusive, and non-transferable license to use our website for personal use.
  • Prohibited Uses: You may not use our website for unlawful purposes, to distribute malware, or to infringe on our intellectual property rights.

3. Account Registration

When creating an account, you must provide accurate information. You are responsible for maintaining the confidentiality of your account details and all activities under your account.

4. Payments

All payments made through our website are subject to our [Refund Policy/Payment Terms]. Prices for services and products are subject to change at any time without notice.

5. Intellectual Property

All content, trademarks, and intellectual property on the website are owned by or licensed to Annie Marie Ruth. You may not reproduce, distribute, or use any content without prior written permission.

6. Limitation of Liability

Annie Marie Ruth will not be liable for any indirect, incidental, or consequential damages arising from your use of the website or its services.

7. Termination

We reserve the right to suspend or terminate your access to our website at any time for violation of these terms or other inappropriate conduct.

8. Governing Law

These terms are governed by and construed in accordance with the laws of Nigeria. Any disputes related to these terms will be resolved in the courts of Nigeria.

9. Changes to Terms

We may update these terms and conditions from time to time. The revised version will be posted on this page with an updated effective date.

10. Contact Information

If you have any questions or concerns about these terms, please contact us at

Terms and Conditions

Last updated: 12 September 2024

Please read these Terms of Use (“Terms”, “Terms of Use”) carefully before using the https://anneruthmarie.com website (the “Service”) operated by Anne Ruth Marie (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Service.

Accounts

When you create an account with us, you must provide accurate, complete, and current information at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether with our Service or a third-party service. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

User Responsibilities

As a user, you agree not to use the Service for any unlawful or prohibited purpose. You may not use the Service to:

Engage in any fraudulent activities.

Transmit malware, viruses, or harmful code.

Violate any local, national, or international laws.

Failure to comply with these responsibilities may result in immediate termination of your account.

Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Anne Ruth Marie and its licensors. You are granted a limited, non-exclusive, and non-transferable license to use the Service solely for personal use.

Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by Anne Ruth Marie.

Anne Ruth Marie has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Anne Ruth Marie shall not be responsible or liable for any damage or loss caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any third-party websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services you visit.

Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Limitation of Liability

In no event shall Anne Ruth Marie, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

Your access to or use of or inability to access or use the Service.

  • Any conduct or content of any third party on the Service.
  • Any content obtained from the Service.
  • Unauthorized access, use, or alteration of your transmissions or content.

Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Nigeria, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days’ notice before any new terms take effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Dispute Resolution

Any disputes arising out of or related to these Terms or the Service will be resolved through good faith negotiations. If negotiations fail, the parties agree to resolve the dispute via arbitration in accordance with the laws of Nigeria.

Contact Us

If you have any questions about these Terms, please contact us at