Terms of Service

Terms of Service

Last Updated: June 2026

Welcome to JOEL INVESTMENT, TRADE AND RESOURCES LTD. ("Company", "we", "our", "us", or "Website"). These Terms of Service ("Terms") govern your use of our website and services. By accessing or using this website, you agree to be bound by these Terms.

1. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on JOEL Investment's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials.
• Use materials for any commercial purpose or for any public display.
• Attempt to decompile or reverse engineer any software contained on the website.
• Remove any copyright or other proprietary notations from the materials.
• Transfer the materials to another person or "mirror" materials on any other server.
• Interrupt or disrupt the normal flow of information within the website.

2. Disclaimer

The materials on JOEL Investment's website are provided on an "as is" basis. The Company makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

3. Limitations

In no event shall JOEL Investment, its officers, directors, employees, or agents be liable to you or any third party for any direct, indirect, incidental, special, or consequential damages, losses, costs, or expenses, including but not limited to lost revenue or profits, arising from your use of or inability to use materials on the website.

4. Accuracy of Materials

The materials appearing on JOEL Investment's website could include technical, typographical, or photographic errors. The Company does not warrant that any of the materials on the website are accurate, complete, or current. The Company may make changes to the materials contained on the website at any time without notice.

5. Materials Copyright

The materials on JOEL Investment's website are protected by copyright laws. Unauthorized use of materials may violate copyright, trademark, and other applicable laws. All materials on the website are the intellectual property of JOEL Investment, Trade and Resources Ltd.

6. Links

JOEL Investment has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by the Company of the site. Use of any such linked website is at the user's own risk.

7. Modifications

The Company may revise these Terms of Service for the website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these Terms of Service.

8. Governing Law

These Terms and Conditions and all related policies, rules, and guidelines issued by JOEL Investment are governed by and construed in accordance with the laws applicable in the jurisdictions where the Company operates, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

9. Professional Advice Disclaimer

Nothing on this website constitutes professional advice (investment, legal, financial, tax, or otherwise). Before making any business decisions, consulting with qualified professionals is strongly advised.

10. Contact Information

If you have questions regarding these Terms of Service, please contact:

JOEL INVESTMENT, TRADE AND RESOURCES LTD.

Email: joelinvestmentltd@gmail.com

Phone: +233 54 622 3968

Location: 10 Kassim Street, Accra, Ghana & Gwarimpa, Abuja, Nigeria