Terms of Service

These Terms of Service ("Terms") govern your access to and use of ephraim-unuigbe.com (the "Site") and any books or digital products you purchase from us. By using the Site, you agree to these Terms.

1. Acceptance of terms

By browsing the Site, creating an account, subscribing to the newsletter, or placing an order, you confirm that you are at least 18 years old (or have parental consent) and that you accept these Terms and our Privacy Policy. If you do not agree, please do not use the Site.

2. Use of the website

You agree to use the Site lawfully and not to:

• Copy, scrape or republish content without written permission.
• Attempt to gain unauthorised access to any part of the Site.
• Upload viruses, malicious code or perform automated attacks.
• Use the Site to harass, defraud or impersonate others.

We may suspend or terminate access if these Terms are breached.

3. Intellectual property

All content on the Site — including book text, cover art, illustrations, logos, photographs, video, design and underlying code — is owned by Ephraim Unuigbe or licensed to us, and is protected by copyright, trademark and other intellectual property laws.

Purchasing a book grants you a personal, non-transferable licence to read and enjoy that copy. You may not reproduce, distribute, resell, translate or create derivative works from the books or any other Site content without prior written permission.

4. Purchases and payments

• All prices are listed in the currency shown at checkout and include applicable taxes where indicated.
• Payment is processed securely by Stripe. By placing an order you confirm you are authorised to use the chosen payment method.
• Orders are confirmed only when you receive an email confirmation. We may decline or cancel an order due to stock issues, pricing errors or suspected fraud, and refund any amount charged.
• Returns and refunds are governed by our Return Policy. Shipping is governed by our Shipping Policy.

5. User accounts

Some features may require an account. You are responsible for keeping your login credentials confidential and for all activity under your account. Notify us immediately at info@ephraim-unuigbe.com if you suspect unauthorised use.

6. Disclaimers

The Site and its content are provided on an "as-is" and "as-available" basis. The books and articles offer general information and personal perspective on finance, career and faith — they are not professional financial, legal, tax or medical advice. Always consult a qualified professional for advice specific to your situation.

7. Limitation of liability

To the fullest extent permitted by law, Ephraim Unuigbe and the Site shall not be liable for any indirect, incidental, special or consequential damages arising from your use of the Site or any product purchased. Our total liability for any claim is limited to the amount you paid for the product giving rise to the claim. Nothing in these Terms excludes liability that cannot be excluded by law.

8. Indemnity

You agree to indemnify and hold us harmless from any claim, loss or expense arising from your breach of these Terms or misuse of the Site.

9. Governing law

These Terms are governed by the laws of England and Wales. Any dispute arising in connection with the Site or these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where local consumer protection laws give you the right to bring proceedings in your country of residence.

10. Changes to these terms

We may update these Terms from time to time. The "Last updated" date at the top reflects the latest revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

11. Contact

Questions about these Terms? Email info@ephraim-unuigbe.com.

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