Terms & Conditions.

Date Updated: [14th November 2025]

Welcome to Divine Creations ! This Terms of Service Agreement ("Agreement") outlines the terms and conditions governing your use of our financial & technological tools and services. By accessing or using Divine Creations, you agree to comply with and be bound by the terms outlined below.

1. Acceptance of Terms

   
   

   By using Divine Creations, you acknowledge that you have read, understood, and agree to abide by the terms and conditions of this Agreement. If you do not agree with any part of these terms, please refrain from using our services.

   
   

2. Use of Services

   
   

   1. Eligibility:

      To use Divine Creations,you must be at least 18 years old and capable of entering into a legally binding agreement. By using our services, you represent and warrant that you meet these eligibility requirements.

      
      

   2. Account Creation:

      To access certain features of Divine Creations, you may be required to create an account. You are responsible for providing accurate and complete information during the registration process and for keeping your login credentials secure. You are also responsible for all activities that occur under your account.

      
      

   3. Compliance with Laws:

      You agree to use Divine Creations in compliance with all applicable laws and regulations, including but not limited to financial regulations in Nigeria.

      
      

3. Financial Services

   
   

   1. Nature of Services:

      Divine Creations is a technology company providing financial tools and services but is not a bank. We facilitate financial management and transactions through our platform.

      
      

   2. Accuracy of Information:

      You are responsible for the accuracy and completeness of the information provided to Divine Creations Solutions. We are not liable for any consequences resulting from inaccurate or incomplete information.

      
      

   3. Financial Advice:

      Divine Creations does not provide financial, investment, or legal advice. Our services are intended for informational and transactional purposes only. Consult with a qualified professional for personalized advice.

      
      

4. Privacy

   
   

   Our Privacy Policy, incorporated by reference into this Agreement, outlines how we collect, use, disclose, and protect your information. By using Divine Creations, you consent to the practices described in the Privacy Policy.

   
   

5. Intellectual Property

   
   

   All content and materials provided by Divine Creations, including but not limited to software, logos, and trademarks, are the property of Divine Creations and are protected by intellectual property laws. You may not reproduce, distribute, or use our content without explicit permission.

   
   

6. Termination

   
   

   Divine Creations reserves the right to suspend, restrict, or terminate your access to our services at our discretion, without notice, for any reason, including a violation of these terms.

   
   

7. Limitation of Liability

   
   

   Divine Creations is not liable for any indirect, incidental, consequential, or punitive damages arising from the use of our services. Our total liability, in any circumstance, is limited to the amount you paid for our services.

   
   

8. Governing Law and Dispute Resolution

   
   

   This Agreement is governed by the laws of Nigeria. Any disputes arising from or related to this Agreement shall be resolved through arbitration in accordance with the laws of Nigeria.

   
   

9. Changes to Terms

   
   

   Divine Creations reserves the right to update and modify these terms at any time. Changes will be effective upon posting to our website. It is your responsibility to review these terms regularly.

   
   

10. Contact Information

If you have any questions or concerns regarding this Terms of Service Agreement, please contact us at [Hello@divincreationss.com].

Thank you for choosing Divine Creations