By accessing or using our websites, platforms, podcasts, courses, tools, and related services (the “Services”), you agree to these Terms. If you do not agree, do not use the Services.
If you use Services on behalf of an organization, you confirm you have authority to bind that organization.
These Terms apply to Synercate (Ghana) operating the Services under the brands:
Synercate, Synercate EA (Rwanda), InvestComPro, WealthArbiter, CompositeInsider (GIPSPodcast), SustainWealth, and related properties.
We may update the Services and these Terms. Changes take effect when posted. Continued use after posting means you accept the updated Terms.
You must be at least:
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18 years old to purchase our services or create an account unless local law allows otherwise, or
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the age of majority in your jurisdiction, if higher.
If accounts are offered:
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You are responsible for maintaining confidentiality of login credentials
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You must provide accurate information
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You are responsible for all activity under your account
Children and child accounts. Our Services may include family-friendly and child-focused educational content, but they are intended for use and purchase by adults. Children may not create accounts, profiles, or submit personal information through our Services. Parents/guardians are responsible for supervising a child’s use of any child-focused content.
Our content, courses, podcasts, templates, and tools are provided for education and informational purposes only.
We are not providing investment, legal, tax, accounting, or other regulated professional advice unless explicitly stated in a signed agreement. You are responsible for your decisions. Consider consulting qualified professionals for your situation.
No fiduciary relationship is created by your use of the Services.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal or internal business purposes, subject to these Terms.
You may not:
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Copy, reproduce, distribute, publicly display, or create derivative works from our content except as expressly permitted
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Resell, sublicense, or commercially exploit our content or tools without written permission
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Remove proprietary notices
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Scrape, crawl, or harvest data/content except as permitted by law and our robots.txt/settings
All content on the Services (text, graphics, logos, audio, video, course materials, templates, frameworks, trademarks, and software) is owned by us or our licensors and protected by applicable laws.
Your suggestions/feedback: If you submit feedback, you grant us the right to use it without restriction or compensation.
If you submit content (comments, testimonials, uploads, forum posts, assignments, etc.), you represent you have the rights to do so and it doesn’t violate laws or rights of others.
You grant us a worldwide, royalty-free license to use, host, reproduce, modify, and display that content to operate, improve, and market the Services (e.g., showcasing testimonials), unless you revoke consent where required by law.
We may remove user content at any time for any reason without your prior approval.
You agree not to:
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Use the Services for unlawful, harmful, or fraudulent purposes
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Upload malware or attempt unauthorized access
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Harass, threaten, or abuse others
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Interfere with or disrupt the Services
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Circumvent security features
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Use our Services to create or spread misleading content that impersonates us
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Violate intellectual property rights
If you purchase products/services:
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Prices, taxes, and billing terms are shown at checkout
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You authorize us/our payment processor to charge your payment method
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Subscriptions (if any) renew automatically unless canceled before the renewal date
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Refund policy: https://synercate.com/refund policy
We may suspend access for non-payment or chargebacks.
We may integrate third-party tools (payments, analytics, email, webinars, podcast players, social embeds). We are not responsible for third-party services and they may have separate terms and privacy practices.
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
We do not guarantee uninterrupted access, error-free operation, or that content will meet your requirements.
We disclaim warranties to the maximum extent permitted by law, including merchantability, fitness for a particular purpose, and non-infringement.
To the maximum extent permitted by law, we will not be liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenue, data, or goodwill.
Our total liability for any claim relating to the Services will not exceed the amount you paid us in the 12 months before the event giving rise to the claim (or USD 100 if you paid nothing), unless the law requires otherwise.
You agree to defend and indemnify us against claims arising from your misuse of the Services, your content submissions, or your violation of these Terms or laws.
We may suspend or terminate access to the Services at any time if we reasonably believe you violated these Terms, created risk, or misused the Services.
You may stop using the Services at any time. Certain sections (IP, disclaimers, limitation of liability, indemnity, dispute terms) survive termination.
16.1 Governing Law
These Terms and any dispute or claim arising out of or relating to the Services or these Terms will be governed by the laws of the Republic of Ghana, without regard to conflict-of-laws rules.
16.2 Good-Faith Negotiation (Informal Resolution)
Before starting mediation or arbitration, either party must send a written “Dispute Notice” to contact@synercate.com. The parties will attempt in good faith to resolve the dispute within 30 days of receipt.
16.3 Mediation (Required First Step)
If not resolved, the parties agree to attempt mediation before arbitration, except where urgent/injunctive relief is sought (see 16.7).
Mediation will be conducted in Accra, Ghana or remotely, under a mutually agreed mediator/provider consistent with Ghana’s ADR framework.
Costs: each party bears its own costs and shares mediator fees equally unless otherwise agreed.
16.4 Binding Arbitration (Final Step)
If the dispute is not resolved by mediation, it will be finally resolved by binding arbitration as follows:
- Seat: Accra, Ghana
- Language: English
- Number of arbitrators: One (1) arbitrator (or three (3) if the amount in dispute exceeds USD10,000 equivalent
- Rules/Admin:
- Administered by the Ghana Arbitration Centre under its applicable rules or UNICITRAL if one party is non-Ghanaian and both parties agree.
Judgment on the arbitral award may be entered in any court of competent jurisdiction. Ghana’s arbitration framework is supported by the Alternative Dispute Resolution Act, 2010 (Act 798).
16.5 Class/Representative Actions
To the extent permitted by law, disputes must be brought in the parties’ individual capacity and not as a plaintiff or class member in any class, collective, or representative proceeding.
16.6 Mandatory Consumer/Local Rights
Nothing in these Terms limits rights you may have under mandatory laws of your jurisdiction. If a court determines this arbitration clause is not enforceable for a particular user under mandatory laws, disputes may be brought in another competent forum to the extent required by those laws.
16.7 Injunctive / Emergency Relief
Either party may seek urgent injunctive or equitable relief in any court of competent jurisdiction to protect intellectual property, confidential information, data security, or prevent irreparable harm.
Legal/Support Contact: contact@synercate.com
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Last updated: 2 January 2026