Terms of Use

1. Acceptance of Terms

By accessing or using the Blindspot Africa platform ("Platform"), including all content, modules, tools, and resources ("Content"), you ("User," "you," or "your") agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you may not access or use the Platform.

These Terms constitute a legally binding agreement between you and Blindspot Africa ("we," "us," or "our"). We reserve the right to modify these Terms at any time. Continued use of the Platform after changes constitutes acceptance of modified Terms.

2. Nature of Content — Educational Only

2.1 Not Professional Advice

All Content on this Platform, including but not limited to investment decision frameworks, risk assessments, regional analyses, case studies, and heuristics, is provided for educational and informational purposes only. The Content:

• Does NOT constitute financial, legal, tax, accounting, or investment advice
• Does NOT constitute recommendations to buy, sell, or hold any investment
• Does NOT constitute legal opinions or compliance guidance
• Should NOT be used as the sole basis for any investment or business decision

2.2 Professional Consultation Required

Before making any investment decision, engaging in business activities, or taking action based on Content from this Platform, you MUST:

• Consult with qualified legal counsel familiar with applicable jurisdictions
• Engage licensed financial advisors or investment professionals
• Obtain tax advice from certified tax professionals
• Conduct independent due diligence appropriate to your specific circumstances
• Verify all information through primary sources and current data

2.3 No Guarantees or Warranties

We make NO guarantees, warranties, or representations regarding:

• The accuracy, completeness, or timeliness of any Content
• The suitability of Content for your specific situation or objectives
• Investment outcomes, returns, or performance
• Business success or failure based on Content application
• Compliance with laws or regulations in any jurisdiction

3. User Responsibilities & Compliance

3.1 Legal Compliance

You are solely responsible for ensuring that your use of the Platform and any actions taken based on the Content comply with all applicable laws, regulations, and professional standards, including but not limited to:

• Anti-Corruption Laws: U.S. Foreign Corrupt Practices Act (FCPA), UK Bribery Act 2010, and equivalent local anti-corruption legislation
• Securities Laws: Investment regulations, securities disclosure requirements, and investor protection laws in relevant jurisdictions
• Tax Laws: Transfer pricing requirements, tax reporting obligations, and international tax treaties
• Environmental Laws: Environmental impact assessments, permits, and sustainability standards
• Labor Laws: Employment regulations, non-discrimination requirements, and workplace safety standards
• Exchange Controls: Foreign exchange regulations, capital repatriation requirements, and central bank approvals

3.2 Independent Verification

You acknowledge that:

• Information on the Platform may become outdated due to regulatory changes, political developments, or economic shifts
• You must independently verify all facts, data, and legal requirements before relying on them
• Regional patterns and case studies are illustrative, not prescriptive
• Your specific circumstances may differ materially from examples or patterns described

3.3 Prohibited Uses

You may NOT use the Platform or Content to:

• Engage in illegal activities, including corruption, bribery, fraud, or money laundering
• Circumvent legal requirements, environmental protections, or labor standards
• Violate the rights of third parties, including intellectual property rights
• Distribute malicious code, spam, or unauthorized commercial messages
• Attempt to gain unauthorized access to Platform systems or other users' accounts
• Resell, redistribute, or sublicense Content without express written permission

4. Intellectual Property Rights

4.1 Ownership

All Content on the Platform, including text, graphics, frameworks, analyses, code, designs, and compilation of information, is the exclusive property of Blindspot Africa and is protected by copyright, trademark, and other intellectual property laws.

4.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and view Content for your personal or internal business use
• Download and print individual modules for personal reference
• Use frameworks and heuristics in your investment analysis (with attribution)

4.3 Restrictions

You may NOT:

• Reproduce, distribute, or create derivative works from Content without written permission
• Remove or alter copyright notices, trademarks, or proprietary rights notices
• Use Content in any commercial training, consulting, or advisory services offered to third parties
• Share login credentials or allow unauthorized access to the Platform
• Systematically extract or compile Content using automated means (scraping, bots, etc.)

4.4 Single-User License

Each subscription is licensed for use by a single individual. Corporate or team licenses require separate agreements. Contact [email protected] for enterprise licensing.

5. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLATFORM AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties regarding accuracy, reliability, timeliness, or completeness of Content
• Warranties that the Platform will be uninterrupted, secure, or error-free
• Warranties regarding outcomes or results from using the Platform or Content

We do NOT warrant that:

• Content will meet your specific requirements or expectations
• Platform access will be continuous, timely, secure, or error-free
• Content is current, accurate, or applicable to your jurisdiction
• Use of Content will result in successful investments or avoid losses

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BLINDSPOT AFRICA, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR:

6.1 Exclusion of Certain Damages

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Investment losses or missed investment opportunities
• Costs of procurement of substitute services
• Damages arising from your reliance on Content or inability to access the Platform

6.2 Cap on Direct Damages

In no event shall our total liability to you for all claims arising from or related to the Platform or Content exceed the amount you paid for access to the Platform in the twelve (12) months preceding the claim.

6.3 Basis of the Bargain

You acknowledge that these limitations of liability are fundamental elements of the agreement between you and Blindspot Africa, and that we would not provide access to the Platform without these limitations.

7. Indemnification

You agree to indemnify, defend, and hold harmless Blindspot Africa, its affiliates, and their respective directors, officers, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses (including reasonable attorneys' fees) arising from or related to:

• Your use or misuse of the Platform or Content
• Your violation of these Terms
• Your violation of any laws, regulations, or third-party rights
• Your investment decisions or business activities
• Any claims made by third parties arising from your actions or omissions

8. Payment Terms & Refund Policy

8.1 Payment

Access to the Platform requires payment of the applicable subscription fee. All fees are non-refundable except as specified in Section 8.2. Payment is processed through our third-party payment processor (Stripe). You authorize us to charge your payment method for all fees.

8.2 Refund Policy — 14-Day Money-Back Guarantee

Risk-Free Trial Period:

• You may request a full refund within 14 days of purchase IF you have accessed fewer than 3 modules
• This policy allows you to evaluate the framework's quality and fit without risk
• Refund requests must be submitted to [email protected] within the 14-day window
• We will process approved refunds within 5-7 business days

After the Trial Period:

• Access to 3 or more modules constitutes substantial use and voids refund eligibility
• No refunds are available after 14 days from purchase date, regardless of usage
• Upon approved refund, your Platform access will be immediately terminated

Why This Policy: We're confident you'll find value in the framework. The 14-day period with preview access (up to 2 modules) lets you evaluate quality before full commitment. This protects both your investment and the integrity of our educational content.

8.3 Founding Member Pricing

Special pricing for "Founding Members" (first 200 subscribers) is a limited-time offer. We reserve the right to increase pricing for subsequent subscribers without notice. Founding Member pricing is locked for the duration of your active subscription.

9. Account Termination

9.1 Termination by You

You may terminate your account at any time by contacting [email protected]. Termination does not entitle you to a refund except as provided in Section 8.2 (14-day money-back guarantee with usage restrictions).

9.2 Termination by Us

We reserve the right to suspend or terminate your access to the Platform immediately, without notice, if:

• You violate these Terms
• You engage in fraudulent, illegal, or harmful activities
• You share login credentials or enable unauthorized access
• You attempt to circumvent security measures or access restrictions
• We are required to do so by law or regulatory authority

Upon termination, your right to access the Platform ceases immediately, and you must destroy all copies of Content in your possession.

10. Governing Law & Dispute Resolution

10.1 Governing Law

These Terms shall be governed by and construed in accordance with internationally recognized principles of contract law and equity.

10.2 Dispute Resolution

Any disputes arising from or related to these Terms or the Platform shall be resolved through:

1. Informal Negotiation: Parties agree to attempt good-faith negotiation for 30 days before initiating formal proceedings
2. Mediation: If negotiation fails, parties agree to non-binding mediation administered by a mutually agreed neutral mediator
3. Arbitration: If mediation fails, disputes shall be resolved through binding arbitration under the rules of the International Chamber of Commerce (ICC), conducted in English

You agree to waive any right to a jury trial or to participate in a class action lawsuit. Each party bears its own costs unless the arbitrator decides otherwise.

11. Miscellaneous Provisions

11.1 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the Platform, constitute the entire agreement between you and Blindspot Africa regarding use of the Platform.

11.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

11.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

11.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms without restriction.

11.5 Updates to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email to registered users. Continued use of the Platform after changes constitutes acceptance.

12. Contact Information

For questions about these Terms, please contact:

Afrika