Terms of Use

Our Programs, Resources, Products, and Services i..e teamgranted.com, trybookkeeping.com, bloomfounder.com, pocketgabby.com, submissionsbyearondmand.com, onepitchdecks.com and businessplans2go.com are owned by Grovane Advisory Partners (hereinafter referred to as “Grovane”), incorporated as a Federal Corporation under the Laws of Canada and a Limited Liability Company under the Laws of the Federal Republic of Nigeria (“Company,” “we,” or “us”). The term “you” refers to any purchaser and/or user of any of our Programs, Products and/or Services.

These Terms of Use (“Terms of Use”) state how you may use our Programs, Products and Services, and Program Materials and their content. Please read these Terms of Use carefully. We reserve the right to change these Terms of Use occasionally. By using any of our Programs, Products and Services, you agree to the Terms of Use as they appear and are legally bound by them, whether or not you have read them. If at any time you do not agree with these Terms of Use, please do not use our Programs, Products and Services. If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors can download and extract any location data from images on the website.

Use and consent

By purchasing or using any of our Programs, Products or Services, you acknowledge your responsibility to understand and agree to these Terms of Use, our Privacy Policy, and any other applicable terms and conditions. Your access, purchase, or use of our Programs, Products, Services or Program Materials, in any manner, signifies your agreement to be bound by these Terms of Use. Our Programs, Products, Services and Program Materials are intended solely for users eighteen (18) years or older. Any registration by, use of or access to any Program, Product, Service or Program Materials by anyone under age 18 is unauthorized, unlicensed and in violation of these Terms of Use. By accessing or using our Programs, Products, or Services or our Program Materials, you represent and warrant that you are at least 18.

Intellectual property rights

Our Limited License to You. Our Programs, Products, and Services and all the Program Materials are our property and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. Our Programs, Products and Services content is solely owned by or licensed to us unless otherwise indicated. This content includes, but is not limited to, the design, layout, look, appearance, and graphics of our Program Materials or any other material or aspects of materials provided by us to you. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these Terms of Use. If you purchase or access any of our Program Materials through our Programs, Products or Services, you will be considered our User/Student/Customer, known as our “Client.” To avoid doubt, all content obtained through us is our property, and you are granted a revocable, non-transferable license for personal, non-commercial use only, limited to you. This means that you may not use our Programs, Products or Services or the Program Materials in a manner that constitutes an infringement of our rights or in a manner that we have not authorized.
With permission and restrictions, you are granted a limited license to use our Program, Products and Services, and Program Materials. This means that when you purchase a Program, Product or Service from our Website or otherwise, you are purchasing the limited right to use the Program Materials in the form provided by us to you with certain conditions as specified in these Terms of Use.

You are permitted to use our Programs, Products, Services and Program Materials as follows:

• You may read and/or print Program Materials for your personal use in your business. However, you are not permitted to share, sell, reprint, or republish any of our Program Materials, including online courses, templated books for resale or mass reproduction purposes for your business use. Any trademarks, taglines, and logos displayed on Program Materials are trademarks belonging to us. All trademarks reproduced on this Website that are not the property of or licensed to us are acknowledged on the Website. Any use, including framing, meta tags or other text utilizing these trademarks, or other trademarks displayed, is strictly prohibited without our express written consent or permission granted herein. The trademark initial must always be included for trademarks, taglines, and logos you are granted permission to use. Any marketing or promotional tools and/or Program, Product or Service titles or any other title or information bearing the trademark symbols (™) or ® may not be used by you for any reason without our express written permission. We reserve all rights not expressly granted in these terms or any express written license.
• Information You Are Prohibited from Sharing with Others. As a Client, you understand and acknowledge that our Programs, Products, services, and Program Materials have been created, developed, or obtained by us through the investment of significant time, effort, and expense and that this information is a valuable, memorable, and unique asset of ours that needs to be protected from improper and/or unauthorized use. When you enroll in or purchase our Programs, Products or Services, you agree that you are clearly and expressly prohibited from doing the following:
• You will not copy, share or steal our Programs, Products, Services, Program Materials, or any parts of them.
• You will not use, copy, adapt or represent any of our Programs, Products, Services or Program Materials in any way as if they are yours or created by you.
• You will not engage in improper and/or unauthorized use of our Programs, Products, Services and Program Materials. Inappropriate and unauthorized use includes but is not limited to modifying, copying, reproducing, republishing, uploading, posting, transmitting, translating, selling, creating derivative works, exploiting, or distributing in any manner or medium (including by email or other electronic means) any Program Materials or any other information accessed or purchased through our Programs, Products or Services, or any other communications provided by us for your own personal use, business/commercial use or in any way that earns you money.
• You will not duplicate, share, trade, sell, or otherwise distribute our Programs, Products, Services or Program Materials to any other person for their personal use, business/commercial use or in any way that earns them money, whether it was known to you or not at the time that you shared the information that they intended to use the Program Materials for their own personal use or business/commercial use. This means you cannot share or sell any part of our Programs, Products and Services or Program Materials to someone else so they can copy and/or use them for their own personal use, business/commercial use or in any way that earns them money. You are the only one granted a limited license to use our Program, Product, Service, and Program Materials.
• You will not violate our intellectual property rights, including copyright and trademark rights. Downloading, printing, or otherwise using our Programs, Products, Services or Program Materials for your training purposes does not give you any copyright, trademark, intellectual property or ownership rights of our Program, Product, Service or Program Materials.
• You will not reprint or republish any part of our Programs, Products, Services or Program Materials for publication or compilation into your own products, programs, services or program materials for your own personal use, business/commercial use, or any way that earns you money.
• You will not use our Programs, Products, Services, or Program Materials in a manner that constitutes an infringement of our rights or that has not been authorized by us through our prior written consent.
• You may not engage in improper and/or unauthorized use of our Program Materials or any other information related to our Programs, Products, or Services unless otherwise explicitly authorized in these Terms of Use; improper and/or unauthorized use includes but is not limited to modifying, copying, reproducing, republishing, uploading, posting, transmitting, translating, selling, creating derivative works, exploiting, or distributing in any manner or medium (including by email or other electronic means) for commercial use, to any other person in a way that earns them money, any Program Materials or any other information accessed or purchased through our Programs, Products or Services or any other communications provided by us to you promoting or relating to the Programs, Products or Services.
• You understand and agree that engaging in prohibited use or improper and/or unauthorized use of our Programs, Products, Services or Program Materials as set forth in these Terms of Use is considered theft, and we retain the right to prosecute theft to the full extent of the law.
• You agree and understand that prohibited use, improper and/or unauthorized use may give rise to a civil claim for damages and/or criminal offence.
• Limitations on Linking and Framing. You may establish a hypertext link to our Website or Content, provided that the link does not state or imply any sponsorship, endorsement by, or ownership of our Website or Content. It should also not suggest that we have sponsored, endorsed or have ownership rights in your Website. However, you may not frame or inline link our content without our written permission.

Your licence to use

By posting or submitting any material on or through our Programs, Products, Services or Program Materials, such as comments, posts, photos, images, videos or other contributions, you are representing that you are the owner of all such materials and you are at least 18 years old. This means that you are responsible for the content you post and should ensure that you have the necessary rights. When you submit to us or post any comment, photo, image, video or any other submission for use on or through our Website, you are granting us, and anyone authorized by us, an unlimited, royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such contributions, in whole or in part, in any manner or medium, now known or developed in the future, for any purpose, and granting us the right to make it part of our current or future Programs, Products, Services and/or Program Materials. This right includes granting us the use or exploitation of proprietary rights or intellectual property rights like copyright, trademark, service mark, trade secrets, patent rights or any other of your intellectual property rights under any relevant jurisdiction without any further permission from you or compensation by us to you. This does not include any of your ideas, programs or offerings. We will not take, borrow or steal any of your ideas, programs or offerings for use in our own business.
You also grant us, and anyone authorized by us, the right to identify you as the author of any of your comments, posts, photos, images, videos or other contributions by name, email address, or screen name. You acknowledge that we have the right to use and display your contributions and may elect to cease the use and display of any such contributions on our Programs, Products, Services and Program Materials at any time for any reason whatsoever.

Media Release. By participating in our Programs, Products and Services and using our Program Materials, you consent to photographs, videos, and/or audio recordings that may be made that may contain you, your voice and/or your likeness. In our sole discretion, we reserve the right to use these photographs, videos, and or/audio recordings and/or any other materials submitted by you to us in connection with your participation in our Program, Product or Services in our current or future Programs, Products or Services, and/or our marketing or promotional efforts, without compensation to you at any time, now or at any time in the future.

Request for permission to use content

Any request for written permission to use our Programs, Products, Services or Program Materials, in whole or in part, or any other intellectual property or property belonging to us (“Content”) should be made BEFORE you wish to use it by completing the “Contact Us” form on this Website, or by sending an e-mail to partners@grovane.com . We clearly state that you may not use our Programs, Products, Services or Program Materials, in whole or in part, in any way that is contrary to these Terms of Use unless we have given you specific written permission. If we permit you, you agree to use the specific content we allow ONLY in the ways we have given you our written permission.

Suppose you choose to use the content in ways we do not specifically give you written permission to do so. In that case, you agree now that you will be treated as if you had copied, duplicated and/or stolen such content from us. You consent to stop using such content immediately and to take any actions we may request, using the methods and time frame we prescribe to protect our intellectual property and ownership rights in our programs, products, services, or program materials.

security

When you apply for, enroll in, purchase or use our Programs, Products or Services, or Program Materials, we may seek and collect personal data and information, including but not limited to your name, e-mail address, phone number, billing information, credit card or payment information, demographic information, preferences, interests, or other personally-identifying information (“Confidential Information”).

By providing such Confidential Information to us, you grant us permission to use and store such Confidential Information. We, in turn, will use our best efforts to keep your Confidential Information safe, secure and confidential. We take precautions to protect such Confidential Information. When you submit Confidential Information via our Program, Product, Service or Program Materials, we take measures to protect the security of your Confidential Information both online and offline. Rest assured, we are committed to the protection of your data. Due to the nature of the Internet, we cannot guarantee the absolute security of your Confidential Information or any other data transmitted to us or through our services. Therefore, it's crucial to remember that submitting such information is not without its risks and should be done with caution.
We have security measures in place to prevent the loss, misuse, and alteration of the information we obtain from you, but we make no assurances about our ability to prevent any such loss or misuse to you or to any third party arising out of any such loss, misuse, or alteration.

Personal responsibility and assumptio of risk

As a Client, you agree that you are using your own judgment in using our Programs, Products, Services and Program Materials and you agree that you are doing so at your own risk. Our Programs, Products, Services and Program Materials are for informational and educational purposes only. You agree and understand that you assume all risks and no results are guaranteed in any way related to our Programs, Products, Services and Program Materials. Our Programs, Products, Services and Program Materials are merely to provide you with education and tools to help you make your own decisions for yourself. You are the sole architect of your actions, decisions and results based on the use, misuse or non-use of our Programs, Products, Services and Program Materials.
We take every precaution to protect our Programs, Products, Services and Materials. However, due to the nature of the Internet, we cannot ultimately ensure or warrant the security of the Programs, Products, Services and Program Materials or the contributions or information transmitted to us on or through our Website or our Programs, Products, Services and Program Materials. Submitting contributions or information through our Programs, Products, Services and Program Materials is done entirely at your own risk. We make no assurances about our ability to prevent any such loss or damage to you or any other person, company or entity arising out of the use of our Programs, Products, Services and Program Materials, and you agree that you are assuming such risks.

Disclaimer

Our Programs, Products, Services, and Program Materials are designed to provide you with valuable information and education. To the fullest extent permitted by law, we expressly exclude any liability for any direct, indirect or consequential loss or damage incurred by you or others in connection with our Programs, Products, Services, and Program Materials. This includes, but is not limited to, any liability for accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease, condition or issue, physical, mental, emotional, or spiritual injury or harm, loss of income or revenue, loss of business, loss of profits or contracts, anticipated savings, loss of data, loss of goodwill, wasted time and for any other loss or damage of any kind, however and whether caused by negligence, breach of contract, or otherwise, even if foreseeable. You specifically acknowledge and agree that we are not liable for any defamatory, offensive or illegal conduct of any other Program, Product, Service or Program Materials participant or user, including you.

Legal and Financial Disclaimer: Our Programs, Products, Services, and Program Materials are not to be perceived or relied upon in any way as business, financial or legal advice. The information provided through our Programs, Products, Services, and Program Materials is not intended to be a substitute for professional advice that can be provided by your own accountant or lawyer. We are not giving financial or legal advice in any way. You are hereby advised to consult with your own accountant or lawyer for any and all questions and concerns you have regarding your own income and taxes pertaining to your specific financial and/or legal situation. You agree that we are not responsible for your earnings, the success or failure of your business decisions, the increase or decrease of your finances or income level, or any other result of any kind that you may have as a result of information presented to you through our Programs, Products, Services, and Program Materials. It is important to remember that you are solely responsible for your results.

Earnings Disclaimer: You acknowledge that we have not and do not make any representations as to the health physical, mental, emotional, spiritual or health benefits, future income, expenses, sales volume or potential profitability or loss of any kind that may be derived as a result of your participation in this Program, Product, Services or Program Materials. We cannot and do not guarantee that you will attain a particular result, positive or negative, financial or otherwise, through our Programs, Products, Services and Program Materials. You accept and understand that results differ for each individual. We also expressly disclaim responsibility in any way for the choices, actions, results, use, misuse or non-use of the information provided or Limitation of Liability. We will not be held responsible or liable in any way for the information, products or materials that you request or obtained through any of our Programs, Products, Services or Program Materials. You agree that your results are strictly your own, and we are not liable or responsible in any way for your results.

Warranties Disclaimer: WE MAKE NO WARRANTIES AS TO OUR PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS. YOU AGREE THAT PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS WILL BE FUNCTIONAL, UNINTERRUPTED, CORRECT, COMPLETE, APPROPRIATE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THE WEBSITE CONTENT ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF OUR PROGRAM, PRODUCT OR SERVICE MATERIALS OR ON THIRD-PARTY WEBSITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

Technology Disclaimer: We try to ensure that the availability and delivery of our Programs, Products, Services and Program Materials are uninterrupted and error-free, including our content and communications through methods like our website, member forum, private Facebook groups, email communications, videos, audio recordings, webinars, recorded webinars, teleseminars, online courses, emails, downloadable Mp3 audio files, downloadable PDF printed transcripts, downloadable PDF handouts/slides, downloadable templates and digital products, handouts, e-books, or any other materials provided by us to you. However, we cannot guarantee that your access will be unrestricted occasionally, including allowing for repairs, maintenance or updates. Of course, we will limit the frequency and duration of suspension or restriction. To the fullest extent permitted by law, we will not be liable to you for damages, refunds or any other recourse should our Programs, Products, Services or Program Materials become unavailable or access to them becomes slow or incomplete due to any reason, such as system back-up procedures, internet traffic volume, upgrades, overload of requests to the servers, general network failures or delays, or any other cause which may from time to time make our Programs, Products, Services or Program Materials inaccessible to you.

Errors and Omissions: We make no warranty or guarantee regarding the accuracy, timeliness, performance, completeness or suitability of the information in our Programs, Products, Services, and Program Materials. Every effort has been made to present you with the most accurate, up-to-date information. Still, because scientific research is constantly evolving, we cannot be held responsible or accountable for the accuracy of our content. You acknowledge that such information may contain inaccuracies or errors, and we are not liable for any such inaccuracies or errors to the fullest extent permitted by law.

Links to Other Websites. We may provide links and pointers to other websites maintained by third parties that may take you outside of our Programs, Products, Services or Program Materials. These links are provided for your convenience and the inclusion of any link in our Programs, Products, Services or Program Materials to any other website does not imply our endorsement, sponsorship, or approval of that website or its owner. We do not endorse and we are not responsible for the views, opinions, facts, advice, or statements provided by external resources referenced in our Website or its Content, or their accuracy or reliability. We assume no responsibility for errors or omissions caused by other websites that may be included in our Programs, Products, Services or Program Materials. We have no control over the contents or functionality of those websites and so we accept no responsibility for any loss, damage, or otherwise that may arise from your use of them and therefore we do not guarantee the accuracy, completeness, or usefulness of any other website or their content. We encourage you to review the terms and conditions and privacy policies of those linked websites to confirm that you understand and agree with those policies, empowering you to make informed decisions.

By purchasing and/or using our Programs, Products, Services or Program Materials in any way or for any reason, you also implicitly agree to our full disclaimers. We acknowledge and respect your agreement to these terms. receive through or on our Programs, Products, Services or Program Materials. We do not assume liability for accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease, condition or issue, or otherwise, due to any act or default of anyone or any business, whether owners, staff, agents, joint venture partners, contractors, vendors, affiliates or otherwise, affiliated with us. We do not assume liability for any owners, staff, agents, joint venture partners, contractors, vendors, affiliates or otherwise who are engaged in rendering our Programs, Products, Services or Program Materials, or in any way or in any location. In the event that you use our Programs, Products, Services or Program Materials or any other information provided by us or affiliated with us, we assume no responsibility.

Release of Claims. In no event will we be liable to any party for any type of direct, indirect, special, incidental, equitable or consequential damages for any use of or reliance on our Programs, Products, Services or Program Materials, or on those affiliated with us in any way, and you hereby release us from any and all claims; including, without limitation, those related to lost profits, personal or business interruptions, personal injuries, accidents, misapplication of information, or any other loss, physical or mental disease, condition or issue, or otherwise, even if we are expressly advised of the possibility of such damages or difficulties.

Your conduct

By using our Programs, Products, Services or Program Materials, you agree not to engage in any activity that could disrupt, Damage, or impair these resources. You acknowledge that any electronic communications or content originating from your computer and directed to this Website and its content is your sole responsibility.
When using the Programs, Products, Services or Program Materials, you must adhere to lawful purposes only. You are explicitly prohibited from using our Resources in the following ways:

• For fraudulent purposes or in connection with a criminal offence or otherwise carry out any unlawful activity
• To send, use or re-use any material that is illegal, offensive, abusive, indecent, harmful, defamatory, obscene or menacing, threatening, objectionable, invasive of privacy, in breach of confidence, infringing of any intellectual property rights, or that may otherwise injure others.
• To send, negatively impact, or infect our Programs, Products, Services or Program Materials with software viruses or any other harmful or similar computer code designed to adversely affect the operation of any computer software or hardware, commercial solicitation, chain letters, mass mailings or any spam, whether intended or not
• To cause annoyance, inconvenience, or needless anxiety
• To impersonate any third party or otherwise mislead as to the origin of your contributions
• To reproduce, duplicate, copy or resell any part of our Programs, Products, Services or Program Materials in a way that does not comply with these Terms of Use or any other agreement with us.

Communication guidelines

If you have a question or concern about our Programs, Products, Services, or Program Materials, you may email partners@grovane.com, and we will do our best to reply promptly.

Purchase and online commerce

If you pay by debit or credit card, you give us permission to automatically charge your credit or debit card as payment for your Program, Product, or Service without any additional authorization, for which you will receive an electronic receipt. Our Terms of Use ensure fairness for all parties. If, for any reason, you're unable to make a timely payment or decide to withdraw from our Programs, Products, or Services, you'll still be responsible for the full cost. This policy is in place to maintain the integrity of our services and respect for our Customers.

All information obtained during your purchase or transaction for our Programs, Products and Services and all of the information that you give as part of the transaction, such as your name, address, method of payment, credit card number, and billing information, may be collected by both us and our payment processing company.

You agree only to purchase goods or services for yourself or another person for whom you are legally permitted to do so or for whom you have obtained the express consent to provide their name, address, method of payment, credit card number, and billing information.

You agree to be financially responsible for all purchases made by you or someone acting on your behalf. You agree to use our Programs, Products, Services, and Program Materials for legitimate, non-commercial purposes only and not for speculative, false, fraudulent, or illegal purposes.

Since we have a clear and explicit Refund Policy in these Terms of Use that you have agreed to before completing the purchase of any of our Programs, Products, or Services, we do not tolerate or accept any chargeback threat or actual chargeback from your credit card financial institution. Suppose a chargeback is placed on a purchase, or we receive a chargeback threat during or after your purchase. In that case, we reserve the right to report the incident to all three credit reporting agencies or any other entity for inclusion in any chargeback database or for listing as a delinquent account, which could negatively impact your credit report score. The information reported will include your name, email address, order date, order amount, and billing address. Chargeback abusers wishing to be removed from the database shall make the payment for the amount of the chargeback.

Suppose you purchase from one of our affiliates or any other individual or company through a link provided on or through our Programs, Products or Services (“Merchant”). In that case, all information obtained during your purchase or transaction and all of the information you give as part of the transaction, such as your credit card number and contact information, may be collected by the merchant and their payment processing company. Your participation, correspondence or business dealings with any affiliate, individual or company on or through our Programs, Products or Services, and all purchase terms, conditions, representations or warranties associated with payment, refunds, and/or delivery-related to your purchase, are solely between you and the merchant. You agree that we shall not be responsible or liable for any loss, damage, refunds, or other matters incurred due to such dealings with a Merchant.

Payment processing companies and merchants may have privacy and data collection practices that are different from ours. We have no responsibility or liability for these independent policies of the payment processing companies and Merchants. In addition, when you make certain purchases through our Programs, Products or Services, you may be subject to the additional terms and conditions of a payment processing company, merchant or us that specifically apply to your purchase. For more information regarding a merchant and the terms and conditions that may apply, visit that merchant’s website and click on its information links or contact the merchant directly.

You release us, our affiliates, payment processing company, and Merchants from any damages you incur. You agree not to assert any claims against us or them arising from your purchase through or use of our Website or its Content.

Termination

You have the right to terminate your use of or participation in our Programs, Products, or Services at any time by emailing partners@grovane.com. We reserve the right in our sole discretion to refuse or terminate your access to our Programs, Products, Services or Program Materials, in whole or in part, at any time, without notice, by sending you an email to the email address you provided upon purchase of the Program, Product or Service.

If either of us cancels or terminates, you will have 24 hours to pay any remaining payments or balances that are owed to us. Upon termination by either of us, we reserve the right to immediately refuse or terminate your access to any aspect of our Programs, Products, Services and/or our Program Materials, including but not limited to our Website, private forum, email communications, Facebook groups, live webinars or conference calls, or any other method of communications related to our Programs, Products, Services or Program Materials at any time without notice and in our sole discretion.

All of the terms of this Terms of Use, including but not limited to all copyright, trademark, and intellectual property rights, disclaimers, limitations of liability, release of claims, and our Refund Policy will still apply now and in the future, even after termination by you or us.

Dispute resolution

If we ever have any differences, we can communicate them amicably through email. However, if we are unable to seek resolution within a reasonable time, you agree now that the only method of legal dispute resolution will be binding Arbitration before a single arbitrator.

The Arbitration shall occur in Lagos, Nigeria, and be conducted in English. The arbitrator shall have a maximum period of Fifteen (15) working days to resolve the dispute after the exchange of pleadings by the parties. The decision of the arbitrator shall be final and binding on all parties. There shall be no recourse to litigation."

Before seeking Arbitration, you must email us at partners@grovane.com and include all of your reasons for dissatisfaction with your Program. You understand and agree now that the only remedy that can be awarded to you through Arbitration is a full refund of the payment made to date. No other actions or financial awards of consequential damages, or any other type of damages, may be granted to you. We both agree that the arbitrator's decision is final and binding and may be entered as a judgment in any court with the appropriate jurisdiction.

By purchasing our Programs, Products or Services, you agree to a modification of the statute of limitations such that any arbitration must begin within one (1) year of the date of your email referenced above, or you waive the right to seek dispute resolution by Arbitration or to take any other legal action.

You also agree that arbitration will be held in Nigeria, and the prevailing party will be entitled to all reasonable attorneys' fees and all costs necessary to enforce the arbitrator's decision.

In the event of a dispute between us, you agree to not engage in any conduct or communications, public or private, including on social media, designed to disparage us, our Company, or any of our Programs, Products or Services. Where requested by law or arbitration, of course, you are not prohibited from sharing your thoughts and opinions as a part of the legal process. Suppose any terms of these Terms of Use are construed to be invalid or unenforceable for any reason. In that case, it shall not affect the validity or enforceability of any other term, which shall be given full force and effect.

Confidentiality and privacy

Confidential Information: To use our Programs, Products, Services or Program Materials, we may seek personal data or information, including your name, e-mail address, phone number, street address, billing information, birthday, preferences, interests, assignments, or other personally identifying information (“Confidential Information”), or you may offer or provide a comment, photo, image, video or any other submission to us when using or participating in our Programs, Products, Services or Program Materials (“Other Information”). By providing such Confidential Information or Other Information to us, you grant us permission to use and store such information. We, in turn, will use our best efforts to keep your Confidential Information safe, secure and confidential following these Terms of Use and our full Privacy Policy, which may be found on our website. If you believe any of your Confidential Information is incorrect or incomplete, please get in touch with us immediately. We will promptly correct any Confidential Information found to be wrong.

What We Do With Confidential Information: We request and require various personal data and/or Confidential Information to understand your needs and provide you with better services. In addition, we may use such data and Confidential Information for the following reasons: (1) for internal record keeping, (2) to improve our Programs, Products, Services or Program Materials, (3) to periodically send promotions about new Programs, Products or Services or other special offers from which you may unsubscribe at any time, (4) for aggregate, non-identifiable data for research purposes, (5) to customize the respective Programs, Products or Services you purchase or use according to your interests and/or (6) for support or communication related to your Program, Product, Service or Program Materials.

Storage: All data and Confidential Information is stored through a data management system. This data and Confidential Information can only be accessed by those who help manage that information to deliver e-mail or otherwise contact those who would like to receive our correspondence. You agree and acknowledge that we, including but not limited to our team, staff, affiliates, and those who manage the data management system, may have access to your Confidential Information.

Confidentiality and Disclosure: All Confidential Information will be held in privacy and will not be disclosed to third parties, except that we may disclose Confidential Information and personally identifiable information: (1) pursuant to the terms of these Terms of Use and Privacy Policy and our Disclaimer, (2) if we are required to do so by law, (3) in the good-faith belief that such action is necessary to conform to the law, (4) to comply with any legal process served on either us or our partners, sponsors, investors, or affiliates, (5) to protect and defend our rights or property or those of our users or purchasers, and/or (6) to act as immediately necessary to protect the personal safety of our users, purchasers, or the public. We will not sell, distribute or lease your Confidential Information to third parties unless we have your permission or are required by law to do so.

Viewing by Others: Note that whenever you make your Confidential Information or Other Information available for viewing by others, such as through our Programs, Products, Services, or Program Materials, our Website or social media, the Confidential Information or Other Information that you share also can be seen, collected and used others. Therefore, we cannot be responsible for any unauthorized use by others of such Confidential Information or Other Information that you voluntarily share online or in any other manner.

How We Use Cookies: We may use the standard “cookies” feature of major web browsers. We do not set any Confidential Information in cookies or employ any data-capture mechanisms on our website other than cookies. You may turn off cookies through your web browser’s settings. However, turning off this function may diminish your experience on the website, and some features of our Programs, Products, Services or Program Materials may not work as intended. We have no access to or control over any information collected by other individuals, companies or entities whose websites or materials may be linked to our Programs, Products, Services or Program Materials.

Passwords: To use certain features of our Programs, Products, Services, or Program Materials, you may be issued a group username and password or a unique individual username and password, which you will receive through your registration and/or purchase process. You can change the username and/or password of your choosing. You are responsible for maintaining the confidentiality of the password and account. You are responsible for all activities (whether by you or others) under your password or account. You cannot share your username and/or password with anyone. If we learn you have shared your username and/or password with another person, we reserve the right to terminate your access to the Program, Product, Service, Program Materials, Website, private forum, Facebook group or any other related communication immediately. It is your responsibility to protect your password from disclosure to others. We cannot and will not be liable for any loss or damage arising from your failure to protect your password or account information. You are responsible for activities using your password(s) and within your account. If you share your password(s) with anyone, they may be able to obtain access to your personal information at your own risk. You agree to notify us immediately of any unauthorized use of your password or account or any other security breach and to ensure that you exit your account at the end of each session. Using our Programs, Products and Services, you agree to enter true and accurate information as part of the registration, purchase process and otherwise. We can immediately deactivate your account if you enter a false email address. We will do our best to keep your password(s) private. We will not otherwise share your password (s) without your consent, except as necessary when the law requires it or in the good faith belief that such action is needed, mainly when disclosure is required to identify, contact or bring legal action against someone who may be causing injury to others or interfering with our rights or property.

If you have any questions about any of these Terms of Use, please contact us at partners@grovane.com. Thank you.

Introduction

This Privacy Policy describes how your personal information is collected, used, and shared when you visit or purchase any of our Programs, Resources, Products, websites, and Services including teamgranted.com, trybookkeeping.com, bloomfounder.com, pocketgabby.com, submissionsbyearondmand.com, onepitchdecks.com and businessplans2go.com owned by Grovane Advisory Partners, incorporated as a Federal Corporation under the Laws of Canada and a Limited Liability Company under the Laws of the Federal Republic of Nigeria (“Grovane” or the “Site”). You agree that you are over 18 years old by providing us with your data. The information we hold about you must be accurate and up to date. Please let us know if at any time your personal information changes by emailing us at partners@grovane.com

Personal information we collect and how we use it

Personal information means any information capable of identifying an individual. It does not include anonymized data. When you visit the Site, we may collect:

Communication Data:

This includes any communication that you send to us, whether through the contact form on our website, email, text, social media messaging, social media posting, or any other communication that you send us. We process this data to communicate with you for record-keeping and the establishment, pursuance or defence of legal claims. Our lawful ground for this processing is our legitimate interests, which, in this case, are to reply to communications sent to us, keep records, and establish, pursue, or defend legal claims.

Examples include:

Blogs and Forums: We may provide an opportunity for you to post information on blogs, forums, or other public areas on the Services. By doing so, you consent to posting any Personal Information you provide. You should be aware that such Personal Information can be read, collected, or used by other visitors to these public areas. We have no control over how these visitors use your Personal Information.

Inquiries: If you send us a comment or question or make an inquiry to customer support, we will retain the information you provide to respond to you and improve the Services and our customers’ use of them.

Customer Data: This includes data relating to purchases of goods and/or services such as your name, title, physical address(es), email address, phone number, contact details, purchase details and your card details. We process this data to supply the goods and/or services you purchased and keep records of such transactions. Our lawful ground for this processing is the performance of a contract between you and us and/or taking steps to enter into such a contract at your request.

Examples:

Registration: When you register on the Services, such as to subscribe to a newsletter, request information or access a Product, you will be asked to provide certain Personal Information, which we will use to fulfill your request.

Surveys/Polls: We may occasionally ask you to complete surveys or opinion polls. We only use the information that we collect from surveys in an aggregate manner, not in individually identifiable form. We may use specific comments shared on surveys in an anonymized way. We may also ask for more clarification on survey responses and request more and permission to share. But we will never share anything personally identifiable shared on a survey unless given consent.

User Data: This includes data about how you use our website and any online services and any data you post for publication on our website or through other online services. We process this data to operate our website and ensure relevant content is provided to you, to ensure the security of our website, to maintain back-ups of our website and/or databases, and to enable publication and administration of our website, other online services and business. Our lawful grounds for this processing are our legitimate interests, which, in this case, enable us to properly administer our website and our business.

Technical Data: This includes data about your use of our website and online services such as your IP address, your login data, details about your browser, length of visit to pages on our website, page views and navigation paths, details about the number of times you use our website, time zone settings and other technology on the devices you use to access our website. The source of this data is from our analytics tracking system. We process this data to analyse your use of our website and other online services, administer and protect our business and website, deliver relevant website content and advertisements to you, and understand the effectiveness of our advertising. Our lawful ground for this processing is our legitimate interests, which, in this case, enable us to properly administer our website and our business, grow our business, and decide our marketing strategy.

Examples include:

Web Logs: We maintain web logs that automatically record basic information about everyone who visits the Services. We use web log information to help us design our website, identify popular features, improve our services, and for other managerial and analytic purposes. We may also use web logs to help identify anyone who is misusing the Services. These logs contain:

• The Internet domain from which you access the Services.
• Your IP address.
• The type of browser and operating system that you use.
• The date and time you visited the Services.
• The pages that you visited on the Services.
• The address of the website you linked from to get to the Services.

Marketing Data: This includes data about your preferences in receiving marketing from us and our third parties and your communication preferences. We process this data to enable you to partake in our promotions, such as competitions, prize draws and free giveaways, to deliver relevant website content and advertisements to you and measure or understand the effectiveness of this advertising. Our lawful ground for this processing is our legitimate interests, which in this case are to study how customers use our products/services, develop them, grow our business and decide our marketing strategy. More specifically, here are some examples:

Emails linkings:If you click a link to any of our Sites from an email message from us, we will be able to identify your email address and associate that email address with the manner in which you use the Sites (e.g., which pages you visit or whether you make a purchase).

Visitors: If you are visiting the Sites and not registering, requesting information, contacting us, or posting to a public area of the Services, and you did not access the Sites from a link contained in one of our email communications, we will not ordinarily collect any Personal Information about you except through web logs, as described below. In that case, we will obtain the information you provided and use it to respond to your inquiry or fulfil your request if we can. We do not share any of this information with anyone else except to respond to your request if you consent or as otherwise described in this privacy policy.

Web Logs: We maintain web logs that automatically record basic information about everyone who visits the Services. We use web log information to help us design our website, identify popular features, improve our services, and for other managerial and analytic purposes. We may also use web logs to help identify anyone who is misusing the Services. These logs contain:

• The Internet domain from which you access the Services.
• Your IP address.
• The type of browser and operating system that you use.
• The date and time you visited the Services.
• The pages that you visited on the Services.
• The address of the website you linked from to get to the Services.

We may use Customer Data, User Data, Technical Data and Marketing Data to deliver relevant website content and advertisements to you (including Facebook adverts or other display advertisements) and to measure or understand the effectiveness of the advertising we serve you. Our lawful ground for this processing is legitimate interests which is to grow our business. We may also use such data to send other marketing communications to you. Our lawful grounds for this processing are either consent or legitimate interests (namely, to grow our business).

Sensitive data

We do not collect Sensitive Data about you. Sensitive data refers to information about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, health, and genetic and biometric data. We do not collect information about criminal convictions and offences. We will only use your personal data for the purpose it was collected for or a reasonably compatible purpose if necessary. For more information on this, please email us at partners@grovane.com. If we need to use your details for an unrelated new purpose, we will let you know and explain the legal grounds for processing.

We may process your data without your knowledge or consent, where this is required or permitted by law. We do not carry out automated decision-making or any automated profiling.

How we collect your personal data

We may collect data about you when you provide it directly to us (for example, by filling in forms on our Site or by sending us emails). We may also automatically collect certain data from you as you use our website by using cookies and similar technologies.

We may receive data from third parties such as analytics providers, advertising networks, search information providers, and technical, payment and delivery services providers, such as data brokers or aggregators. We may also receive data from publicly available sources such as Companies House and the Electoral Register.

Marketing communication

Our lawful ground for processing your personal data to send you marketing communications is either your consent or our legitimate interests (namely, to grow our business). Under the Nigerian Data Regulation Protection, we may send you marketing communications from us if

1. You made a purchase or asked for information from us about our goods or services or
2. You agreed to receive marketing communications; in each case, you have yet to opt out of receiving such communications since.

We will obtain your express consent before sharing your personal data with any third party for marketing purposes. You can ask us or third parties to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you or by emailing us at partners@grovane.com at any time. If you opt out of receiving marketing communications, this opt-out does not apply to personal data provided due to other transactions, such as purchases, warranty registrations, etc.

How we share your information

We may have to share your personal data with the parties set out below:

• Service providers who provide IT and system administration services.
• Professional advisers, including lawyers, bankers, auditors and insurers.
• Government bodies that require us to report processing activities.
• Third parties to whom we sell, transfer or merge parts of our business or assets.
• With third-party advertising platforms, we can create marketing campaign advertising (e.g., using your email address to create a Facebook targeting audience).
• When you participate in an interactive area of our Website, service, and products, your information may be displayed to other users: such information may include your name, photo, comment, and other information you chose to provide at the time of submission. In the case of Surveys, we will never share personally identifiable information without express consent.

We require all third parties to whom we transfer your data to respect the security of your personal data and treat it according to the law. We only allow such third parties to process your personal data for specified purposes and by our instructions.

Data security

We have implemented security measures to prevent your personal data from being accidentally lost, used, altered, disclosed, or accessed without authorization. We also limit access to your personal data to employees and partners who have a business need to know such data. They will only process your personal data according to our instructions and must keep it confidential. We have procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach if we are legally required to do so.

Passwords

You may need a username and password to use certain features of the Website or its Content. You are responsible for maintaining the confidentiality of usernames and passwords and for all activities, whether by you or others, that occur under your username or password and within your account. You agree to notify us immediately of any unauthorised or improper use of your username or password or any other security breach. To help protect against unauthorised or improper use, make sure that you log out at the end of each session, requiring your username and password.

You are responsible for protecting your username and password from disclosure to others. We cannot and will not be liable for any loss or damage arising from your failure to protect your username, password or account information. If you share your username or password with others, they may be able to obtain access to your personal information at your own risk.

By using our Website and its Content, you agree to enter true and accurate information on the Website and its Content. We can immediately deactivate your account if you enter a bogus email address. We will do our best to keep your username and password(s) private. We will not otherwise share your password(s) without your consent, except as necessary when the law requires it or in the good faith belief that such action is needed, particularly when disclosure is required to identify, contact or bring legal action against someone who may be causing injury to others or interfering with our rights or property.

Data retention

We will only retain your personal data for as long as necessary to fulfil the purposes for which we collected it, including satisfying any legal, accounting, or reporting requirements. When deciding the correct time to keep the data, we consider its amount, nature, sensitivity, potential risk of harm from unauthorised use or disclosure, processing purposes, whether these can be achieved by other means and legal requirements. In some circumstances, we may anonymize your personal data for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

Your legal rights

Under data protection laws, you may have rights about your personal data that include the right to request access, correction, erasure, restriction, transfer, to object to processing, to portability of data and (where the lawful ground of processing is consent) to withdraw consent. If you wish to exercise any of the rights set out above, please email us at partners@grovane.com. You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive or refuse to comply with it in these circumstances. We may request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to anyone with no right to receive it. We may also contact you to ask you for further information about your request to speed up our response. We respond to all legitimate requests within one month. Occasionally, it may take us longer than a month if your request is particularly complex or you have made several requests. In this case, we will notify you.

Third-party links

This Website may include links to third-party websites, plug-ins and applications. Clicking or enabling those links may allow third parties to collect or share your data. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our Website, we encourage you to read the privacy notice of every Website you visit.

Cookies

We may use the standard "cookies" feature of major web browsers. We do not set any personally identifiable information in cookies or employ any data-capture mechanisms on our Website other than cookies. You may choose to disable cookies through your own web browser's settings. However, turning off this function may diminish your experience on the Website, and some features may need to be revised. We have no access to or control over any information collected by other individuals, companies or entities whose Website or materials may be linked to our Website or its Content. You can set your browser to refuse all or some browser cookies or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this Website may become inaccessible or not function properly.

Assignment of rights

In the event of an assignment, sale, joint venture, or other transfer of some or all of our assets, you agree we can assign, sell, licence or transfer any information you have provided. Please note, however, that any purchasing party is prohibited from using the Confidential Information or Other Information submitted to us under this Privacy Policy in a manner materially inconsistent with this Privacy Policy without your consent.

We may use a third-party advertising company to serve ads when you visit our Site. If we do so, this company may use information (not including your name, address, email address or telephone number) about your visit to the Services to provide advertisements about goods and services that may interest you. When serving advertisements to the Services, the advertiser might place or recognize a unique "cookie" on your browser.
We may offer you the opportunity to contact other companies, such as advertisers, marketing affiliates and content providers, to obtain information or to buy products or services. You decide when and whether to give your Personal Information to these companies. If you provide information, its use and security are governed by the policies and practices of those companies and not by this privacy policy. We make no representations or warranties about these other companies or their privacy or security policies. This privacy policy no longer applies once you click through to an unaffiliated website. We strongly urge you to read the applicable policies of these other companies and their websites.

Do not track

If you set your web browser to send a "Do not track" or similar request when you visit this Site, we will still collect and use data as normal.

Links

Our Site includes links to other websites whose privacy practices differ from ours. If you submit personal information to any of those websites, your information will be subject to their practices and policies.

Notification of changes

We may use your contact information to inform you of changes to the Website or its Content or, if requested, to send you additional information about us. At our sole discretion, we reserve the right to change, modify or otherwise alter our Website, its Content and this Privacy Policy at any time. Such changes and/or modifications shall become effective immediately upon posting our updated Privacy Policy. Please review this Privacy Policy periodically. Continued use of any information obtained through or on the Website or its Content following the posting of changes and/or modifications constitutes acceptance of the revised Privacy Policy. If you have any questions about this Privacy Policy, please get in touch with us at partners@grovane.com.

Contact Us

For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please get in touch with us by email us at partners@grovane.com.