Terms of Use

1. Use of Our Website

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of or restrict the use of this website by any third party.

2. Intellectual Property Rights

All content on this website (including text, graphics, logos, videos, audio materials, and images) is the property of PJM Africa Ltd or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or modify any part of the site without express written permission.

3. User Content

By submitting or uploading any content, including text, video, audio, music, recordings, images, or any multimedia material to our platform, you:

• Grant PJM Africa Ltd a perpetual, worldwide, irrevocable, royalty-free, transferable, and sublicensable licence to use, reproduce, distribute, display, adapt, publish, monetise, exploit, and create derivative works from such content in any media now known or later developed.
• Agree that PJM Africa Ltd shall have the exclusive right to modify, transform, reformat, reproduce, repackage, adapt, and recreate your content or any part of it into new works or formats, and any such derivative works or adaptations shall be the sole property of PJM Africa Ltd.
• Waive any moral rights you may have in the content.
• Represent and warrant that you own or control all rights in the content and have the legal right to grant this licence.

PJM Africa Ltd reserves the right to remove, refuse, or moderate any content submitted by users at its sole discretion.

4. Disclaimers

• Our content is for general information only.
• We do not provide financial, legal, or professional advice.
• PJM Africa Ltd is not regulated by the Financial Conduct Authority (FCA).

5. Limitation of Liability

We are not liable for any loss or damage (whether direct, indirect or consequential) arising from your use of this website.

6. External Links

Our website may contain links to third-party websites. We do not endorse or accept responsibility for the content or privacy practices of those sites.

7. Termination

We reserve the right to suspend or terminate access if you breach these Terms.

8. Changes to the Terms

We may modify these Terms from time to time. Continued use of the website indicates your acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be resolved exclusively in the courts of England and Wales.