Terms & Conditions

1. Acceptance of Terms

By accessing and using the Pamoja Group website (the "Website"), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use this Website.

2. Use of the Website

You may use this Website for lawful purposes only. You must not use this Website in any way that:

• Violates any applicable law or regulation
• Is fraudulent, deceptive, or misleading
• Infringes upon the intellectual property rights of Pamoja Group or any third party
• Transmits unsolicited commercial communications
• Attempts to gain unauthorised access to any part of our systems or networks
• Introduces malicious code, viruses, or disruptive elements

3. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, and software, is the property of Pamoja Group or its licensors and is protected by applicable intellectual property laws.

You may view, download, and print pages from this Website for your own personal, non-commercial use, provided you do not modify the content and retain all copyright and other proprietary notices.

4. Disclaimer

This Website is provided on an "as is" and "as available" basis. Pamoja Group makes no representations or warranties of any kind, express or implied, regarding the operation or availability of the Website, or the accuracy, completeness, or reliability of any information on it.

Nothing on this Website constitutes financial, investment, legal, or professional advice. Any information relating to investment activities is provided for informational purposes only and should not be relied upon without independent verification and professional advice.

5. Limitation of Liability

To the fullest extent permitted by applicable law, Pamoja Group excludes all liability for any direct, indirect, incidental, special, or consequential losses arising from your use of this Website, including loss of data, profits, or business interruption.

6. Third-Party Links

This Website may contain links to third-party websites. These links are provided for your convenience only. Pamoja Group has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

7. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

8. Changes to These Terms

Pamoja Group reserves the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website constitutes acceptance of any revised terms.

9. Contact

For questions about these Terms, please get in touch via our contact form.