Terms of Use

1. Acceptance

By accessing or using this Platform you agree to be bound by these Terms. If you do not agree, please do not use the Platform. Use of the Platform is governed by these Terms and our Privacy Policy.

2. Nature of the service

EILI provides structured financial literacy content and planning tools. The Platform is educational in nature. It does not:

• Provide personalised financial advice
• Constitute financial, legal, tax, or investment advice
• Create any advisory relationship between EILI and the user

Always seek qualified professional advice before making financial decisions.

3. Permitted use

You may:

• Read, download (where permitted), and share individual chapters for personal, non-commercial use
• Use the planning tools for your own household budgeting
• Cite this content in academic or educational contexts, with attribution

You may not:

• Reproduce or redistribute the full text of any publication for commercial purposes without written permission
• Scrape, crawl, or systematically download content beyond normal browsing
• Use the Platform in any way that violates applicable law
• Attempt to reverse-engineer, modify, or interfere with the Platform

4. Accounts

Accounts are optional. If you create an account, you are responsible for maintaining the security of your access credentials and for all activity under your account. Notify us immediately of any unauthorised use. We reserve the right to suspend accounts that violate these Terms.

5. Intellectual property

All content on this Platform — including text, tools, and design — is the property of the Economic & Industrial Literacy Institute or its licensors and is protected by applicable intellectual property law. The EILI name and mark may not be used without prior written consent.

6. Disclaimer of warranties

The Platform and its content are provided “as is” without warranty of any kind, express or implied. EILI does not warrant that the Platform will be uninterrupted, error-free, or free of harmful components. Financial figures used in examples are illustrative only.

7. Limitation of liability

To the maximum extent permitted by applicable law, EILI shall not be liable for any indirect, incidental, or consequential damages arising from your use of or inability to use the Platform, including any financial decisions made in reliance on content provided here.

8. Changes to these terms

We may update these Terms from time to time. Continued use of the Platform after changes are posted constitutes acceptance of the revised Terms. Registered users will be notified by email of material changes.

9. Governing law

These Terms are governed by and construed in accordance with applicable law (jurisdiction to be confirmed following legal review before public launch).

10. Contact

Questions about these Terms: legal@afriglobaltrade.com.