Effective Date: 1st January 2025

These Terms of Service (“Terms”) govern your access to and use of the website located at www.deborahijeoma.com (the “Website”) operated by PREMYA HQ LTD (“Company,” “we,” “our,” or “us”). By using the Website and signing up for our services, you agree to comply with and be bound by these Terms. If you do not agree, you must discontinue use immediately.

1. Definitions

For purposes of these Terms:

• “Company” refers to PREMYA HQ LTD, its affiliates, officers, directors, employees, agents, and contractors.
• “Website” means all pages, content, features, and services provided at www.deborahijeoma.com.
• “User” or “you” refers to any individual or entity accessing or using the Website or Services.
• “Services” refers to educational programs, coaching, consulting, resources, and other offerings provided by the Company or it's employee.

2. Eligibility

The Website is offered and available only to individuals 18 years of age or older. By using this Website, you represent and warrant that you are of legal age and capable of entering into a binding agreement.

3. Modifications

The Company reserves the right to revise these Terms at any time. Updates become effective immediately upon posting. Continued use of the Website after changes indicates your acceptance.

4. Scope of Services

PREMYA HQ LTD and it's employees provides educational, consulting, and coaching services intended to support business growth, marketing strategies, and personal development. The Services are designed to provide tools, frameworks, and strategies to assist you in your business or personal development journey.

You acknowledge and agree that:

• The Services are educational and informational in nature.
• No coach-client or consultant-client relationship is formed until a separate written agreement is signed between you and PREMYA HQ LTD.
• The scope of Services to be provided will be outlined in such written agreements and may vary depending on the specific program, service, or product purchased.
• PREMYA HQ LTD reserves the right to decline service if a conflict of interest is discovered or if the Company determines, at its sole discretion, that the Services are not a suitable fit.

5. Disclaimer

5.1 No Professional Advice

The information, materials, and resources provided through the Website or Services are not intended to replace:

• Legal advice from a qualified attorney.
• Financial advice from a licensed financial advisor.
• Medical or mental health advice from a licensed healthcare provider.

You should consult with the appropriate professionals regarding your individual circumstances. Reliance on any information provided by PREMYA HQ LTD and it's employees is solely at your own risk.

5.2 Earnings Disclaimer

PREMYA HQ LTD makes no representations, warranties, or guarantees that you will achieve any specific results, including financial outcomes, business growth, or personal transformation, from the use of our Services.

You acknowledge and agree that:

• Any success stories, client results, or testimonials shared on the Website or in marketing materials are illustrative only.
• Past results of other clients do not guarantee you will achieve similar outcomes.
• Your results depend on many factors outside of the Company’s control, including but not limited to your skills, financial resources, level of effort, mindset, market conditions, and personal circumstances.
• You are solely responsible for your decisions, actions, and results in life and business.

By using the Website and Services, you understand and accept that:

• There is no guarantee of earnings or results.
• You assume the risk of any investment of time, effort, or money made in reliance on the Services.
• PREMYA HQ LTD shall not be liable for your success, failure, or any financial losses incurred.

6. Privacy and Security

Your use of the Website is also subject to our Privacy Policy, which describes how we collect, use, and store your personal information. We take reasonable steps to protect your data but cannot guarantee absolute security.

7. User Conduct

By using this Website, you agree not to:

• Violate applicable laws or regulations.
• Interfere with Website operations or security.
• Post or transmit unlawful, harmful, or defamatory content.
• Engage in spamming or unauthorized commercial activities.

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

8. Intellectual Property Rights

All materials on the Website, including text, images, logos, graphics, and software, are the exclusive property of PREMYA HQ LTD.

You may:

• Download or print materials for personal, non-commercial use only, provided you retain copyright notices.

You may not:

• Copy, modify, distribute, or sell content without prior written consent.
• Use the Website for commercial purposes without authorization.

9. Payment & Refund Policies

Unless otherwise stated in a program agreement:

• All payments are final and non-refundable.
• You are responsible for any fees related to chargebacks or failed payments.

For billing inquiries, contact us at: hello@deborahijeoma.com.

10. Indemnification

You agree to defend, indemnify, and hold harmless PREMYA HQ LTD, its affiliates, employees, and contractors from any claims, damages, losses, liabilities, costs, or expenses (including attorneys’ fees) arising from:

• Your use of the Website or Services.
• Your violation of these Terms.
• Your infringement of third-party rights.

11. No Warranty & Limitation of Liability

The Website is provided “as is” and “as available.” PREMYA HQ LTD disclaims all warranties, express or implied, including merchantability, fitness for purpose, and non-infringement.

To the fullest extent permitted by law:

• We are not liable for indirect, incidental, consequential, or punitive damages.
• Our total liability shall not exceed the amount you paid (if any) for Services in the past six months.

12. Links to Third-Party Sites

The Website may contain links to third-party sites. PREMYA HQ LTD is not responsible for their content, availability, or practices. Use at your own risk.

13. Termination

We may suspend or terminate your access to the Website or Services at any time, without notice, for violation of these Terms or for any reason at our sole discretion.

14. Force Majeure

PREMYA HQ LTD is not liable for failure or delay caused by events beyond our control, including natural disasters, strikes, pandemics, power outages, cyberattacks, or government restrictions.

15. Dispute Resolution

In the event of a dispute arising from these terms, both parties agree to first attempt mediation to resolve the matter. If mediation fails, the dispute will be subject to arbitration under the laws of Lagos, Nigeria.

16. Assignment

Your rights under these Terms may not be transferred or assigned without our prior written consent.

17. Severability

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

18. Governing Language

These Terms are drafted in English, and the English version shall prevail in case of translation discrepancies.

19. Complete Agreement

These Terms, together with the Privacy Policy and any separate written agreements, constitute the entire understanding between you and PREMYA HQ LTD and it's employees, superseding all prior communications.

20. Contact Information

If you have any questions about these Terms, please contact us at:
📧 hello@deborahijeoma.com