Welcome to collinsnkem.com. These Terms & Conditions govern your use of this website and the purchase of any digital products or services offered here.

By accessing this website, browsing its content, or purchasing any product, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use this website.

1. Use of This Website

You agree to use this website for lawful purposes only and in a way that does not infringe the rights of others or restrict their use and enjoyment of the site.

• You must not misuse the website or attempt to gain unauthorized access
• You must not upload or distribute malicious content
• You must not use this website for fraudulent purposes

2. Digital Products

All products sold on this website are digital and delivered electronically. Once a digital product has been purchased and accessed, it is considered delivered.

3. Payments

Payments for products on this website are processed securely through third-party payment providers such as Paystack and PayPal and others.

• We do not store your card or bank details
• All transactions are subject to the payment provider’s terms
• You are responsible for ensuring your payment details are correct

4. Refund Policy

Due to the nature of digital products, all sales are generally final once the product has been accessed or downloaded.

Refunds may only be granted in exceptional circumstances or where required by law.

5. Intellectual Property

All content on this website, including text, images, videos, guides, branding, and logos, is the intellectual property of Collins Nkem unless otherwise stated.

• You may not copy, reproduce, or distribute content without permission
• You may not claim ownership of any content found on this site

6. Disclaimer

The information provided on this website is for informational and educational purposes only. While we strive to ensure accuracy, we do not guarantee that all information is complete or up to date.

Travel information, experiences, and recommendations are based on personal experiences and may vary for different individuals.

7. Limitation of Liability

To the fullest extent permitted by law, collinsnkem.com shall not be held liable for any direct, indirect, or consequential loss or damage arising from the use of this website or the purchase of any digital product.

8. External Links

This website may contain links to third-party websites. We do not control or endorse the content of these websites and are not responsible for their practices or policies.

9. Changes to These Terms

We reserve the right to update or modify these Terms & Conditions at any time. Changes will take effect immediately upon being published on this page.

Continued use of the website after changes are posted constitutes acceptance of the updated terms.

10. Governing Law

These Terms & Conditions shall be governed and interpreted in accordance with applicable laws, without regard to conflict of law principles.

11. Contact Information