Last Updated: 10 March 2025

Welcome to CoCo Africa Hub Pty Ltd (“Company,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your use of our website www.cocoafricahub.com (the “Website”) and your purchase and use of any products, courses, services, or digital materials (“Digital Products”) provided by us.

By accessing our Website or purchasing any Digital Product, you agree to be bound by these Terms. If you do not agree, please do not use our Website or purchase our Digital Products.

1. GENERAL TERMS

1.1. Who We Are

CoCo Africa Hub Pty Ltd is a company based in South Africa that provides courses, digital products, and coaching services for entrepreneurs and Virtual Assistants.

1.2. Eligibility

To use our Website or purchase Digital Products, you must be at least 18 years old or have parental/guardian consent.

1.3. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Your continued use of our Website or Digital Products after changes are made constitutes acceptance of the new Terms.

2. WEBSITE USAGE

2.1. Intellectual Property Rights

All content on this Website, including text, images, videos, logos, trademarks, and digital products, is owned by CoCo Africa Hub Pty Ltd or licensed to us. You may not copy, reproduce, distribute, or sell any content without our written permission.

2.2. Acceptable Use

By using this Website, you agree that you will:
✅ Use it for lawful purposes only.
✅ Not attempt to hack, disrupt, or misuse any part of the Website.
✅ Not post or share inappropriate, offensive, or illegal content.
✅ Not attempt to reverse-engineer, copy, or steal our content, programs, or code.

Violations may result in termination of your access and legal action where necessary.

3. DIGITAL PRODUCT PURCHASE POLICY

3.1. Purchases & Access

When you purchase a course, template, or any digital product, you will receive instant access after payment. All purchases are one-time unless otherwise specified.

3.2. Payment Terms

All payments are due in full at the time of purchase. We accept [Insert Payment Methods]. Prices are subject to change without notice.

3.3. No Refunds

Due to the digital nature of our products, all sales are final, and no refunds will be issued. If you experience any technical difficulties accessing your purchase, contact us at [Insert Email] for assistance.

3.4. License & Usage Restrictions

When you purchase a Digital Product, you receive a non-exclusive, non-transferable license to use the content for personal or business purposes only.
❌ You may not share, resell, or distribute any content to third parties.
❌ You may not claim our content as your own.

If you violate these terms, we reserve the right to revoke your access without refund and pursue legal action.

4. COURSE ENROLLMENT & POLICIES

4.1. Course Access & Completion

All courses are self-paced unless stated otherwise. You are responsible for completing the course within the available time frame.

4.2. Lifetime Access Disclaimer

If a course includes “lifetime access,” this means access will be available for as long as the course exists. If we discontinue the course, we will provide 30 days’ notice before removal.

4.3. Group & Community Guidelines

If the course includes access to a private group, coaching calls, or community, you must engage respectfully.
❌ No hate speech, harassment, or bullying.
❌ No spam, self-promotion, or sales pitches.

Violating these guidelines may result in removal from the community without refund.

5. DISCLAIMER & LIMITATION OF LIABILITY

5.1. General Disclaimer

All content, courses, and digital products are provided “as is” without warranties of any kind. We do not guarantee specific business results or earnings from our programs.

5.2. Financial & Business Disclaimer

We do not provide legal, tax, or financial advice. All information is for educational purposes only. If you need professional business, legal, or financial guidance, please consult a qualified expert.

5.3. Earnings Disclaimer

Any references to income, success stories, or earnings potential are examples only. Your success depends on your own efforts, skills, and market conditions. We do not guarantee any income or business growth.

5.4. Limitation of Liability

CoCo Africa Hub Pty Ltd is not liable for:
❌ Any direct, indirect, or incidental damages from using our content.
❌ Any losses related to business, finances, or website performance.
❌ Any issues arising from third-party software or platforms used in our courses.

Your use of our content is at your own risk.

6. PRIVACY & DATA COLLECTION

We collect personal information only for transactional and marketing purposes. By purchasing or signing up, you agree to receive communications from us.

We do not sell your data. For details, please review our Privacy Policy: [Insert Privacy Policy Link]

7. TERMINATION OF ACCESS

We reserve the right to terminate or restrict access to our Website, courses, or Digital Products if:
❌ You violate these Terms.
❌ You attempt to resell, share, or misuse our content.
❌ You engage in fraudulent activities.

No refunds will be issued if your access is revoked due to policy violations.

8. GOVERNING LAW

These Terms are governed by the laws of South Africa. Any disputes arising under these Terms shall be resolved through mediation or in a court of law in South Africa.

9. CONTACT INFORMATION

If you have any questions about these Terms, please contact us at:
📧 [hello@cocoafricahub.com]
🌍 [www.cocoafricahub.com

By continuing to use our Website or purchasing our products, you acknowledge that you have read, understood, and agree to these Terms.