Terms & Conditions

A. Program: A Guide to Becoming a Dollar Millionaire
B. Provider: Just Ivy Africa Company Limited

1. Acceptance of Terms

• By enrolling in A Guide to Becoming a Dollar Millionaire (“the Program”), you agree to be bound by these Terms and Conditions (“Terms”).
• If you do not agree, please do not enroll, participate, or access the Program materials.

2. Program Description

• The Program is an educational and informational initiative designed to equip participants with:
  • Knowledge on personal finance and wealth creation;
  • Mindsets and habits that support financial growth;
  • Tools and strategies to support participants in working towards financial independence.
• The Program is intended for educational purposes only and does not constitute personalized financial advice, investment advice, legal advice, or a promise of financial results.

3. Disclaimer

• Participation in this Program does not guarantee:
  • That you will become a dollar millionaire;
  • That you will achieve financial independence or wealth;
  • That you will attain any specific financial
• Your success depends on individual effort, decisions, financial circumstances, market conditions, and other factors beyond our
• We do not make any representations or warranties about:
  • Future earnings;
  • Financial success;
  • Any particular financial outcome resulting from your
• Participation is entirely at your own discretion and
• We encourage you to seek independent professional advice where necessary, particularly before making financial or investment
  
  

4. Participant Responsibilities
You agree to:

• • Participate actively in the Program sessions and exercises;
  • Apply critical thinking and personal judgment to the content provided;

• Recognize that information shared is general and may not suit your specific circumstances;
• Consult appropriate licensed professionals where needed for personal financial planning.
  
  

5. Intellectual Property

• All Program content, including but not limited to written materials, video presentations, graphics, course modules, and audio content, is the intellectual property of Just Ivy Africa Company Limited unless otherwise stated.
• You are granted a limited, non-exclusive, non-transferable license to access and use the Program materials for your personal, non-commercial use
• You may not copy, reproduce, distribute, modify, or create derivative works based on the Program content without prior written consent from Just Ivy Africa Company Limited.
  
  

6. Testimonials and Marketing Consent

• By participating in the Program, you may be invited to share feedback, experiences, or testimonials regarding your participation i.e “Testimonial”.
• By providing a Testimonial, you:
  • Represent that your statements reflect your honest opinions and actual experiences;
  • Grant Just Ivy Africa Company Limited a non-exclusive, worldwide, royalty- free, perpetual, and irrevocable license to use, reproduce, publish, distribute, and display the Testimonial, in whole or in part, for marketing, promotional, and educational purposes, in any media format, whether now known or hereafter developed;
  • Agree that your Testimonial may be used with your first name, likeness, and general description;
  • Acknowledge that no compensation will be provided to you for the use of your
    
    

7. Limitation of Liability

• To the fullest extent permitted by law, we are not liable for:
  • Any financial losses, damages, or adverse consequences resulting from reliance on the Program content;
  • Any decisions or actions you take as a result of participating in the
• Participation is at your sole risk.

8. Changes to The Program

• We reserve the right to modify or update the Program;
• Changes will be effective immediately upon
• Continued participation after any change constitutes your acceptance of the updated Program.
  
  

9. Fees and No Refund Policy

• All subscription fees for participation in A Guide to Becoming a Dollar Millionaire are payable in full at the time of
• All payments are final and non-refundable.
• Once payment is made, you will not be entitled to a refund, rebate, discount, or other credit for any reason, including but not limited to:
  • Failure to complete or participate in the Program;
  • Dissatisfaction with the Program content;
  • Change in personal circumstances.
• By enrolling, you acknowledge and accept this no-refund
  
  

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Kenya, without giving effect to any principles of conflicts of law.

10. Contact Information

If you have any questions regarding these Terms, please contact: Just Ivy Africa Company Limited
Email: shiro@justivyafrica.com Phone Number: +254722577655