Welcome to CoCo Africa Hub (Pty) Ltd ("CoCo Africa Hub", "we", "us", or "our").

These Terms of Use ("Terms") govern your access to and use of our website located at www.cocoafricahub.com (the "Website"), together with any courses, programmes, digital products, downloads, templates, coaching services, masterclasses, resources, and other services we provide (collectively, the "Services").

By accessing our Website or purchasing any of our Services, you agree to be bound by these Terms of Use.

If you do not agree to these Terms, please do not use our Website or purchase our Services.

1. About Us

CoCo Africa Hub (Pty) Ltd is a South African company that provides education, digital training, business resources, coaching, and programmes designed to help women build sustainable, income-generating businesses.

2. Eligibility

By using this Website or purchasing our Services, you confirm that:

• You are at least 18 years of age, or

• You have permission from a parent or legal guardian.

You also confirm that all information you provide is accurate and complete.

3. Changes to These Terms

We may amend these Terms of Use from time to time.

Any updates will become effective immediately upon publication on this Website unless otherwise stated.

Your continued use of the Website after any changes have been published constitutes acceptance of the revised Terms.

4. Website Use

You agree to use this Website only for lawful purposes.

You must not:

• Use the Website in any way that violates applicable laws.

• Attempt to gain unauthorised access to our Website or systems.

• Upload malicious software, viruses, or harmful code.

• Interfere with the operation or security of the Website.

• Use automated tools to scrape, copy, or extract Website content.

• Misrepresent your identity or impersonate another person.

We reserve the right to restrict or terminate access where misuse is identified.

5. Intellectual Property

Unless otherwise stated, all content available on this Website, including but not limited to:

• Courses

• Templates

• Workbooks

• Downloads

• Videos

• Graphics

• Logos

• Branding

• Text

• Designs

• Training materials

is the intellectual property of CoCo Africa (Pty) Ltd and is protected under applicable intellectual property laws.

Nothing contained on this Website grants you ownership of our intellectual property.

6. Purchases

The purchase of any course, programme, template, toolkit, masterclass, or other Digital Product is governed by our Purchase Policy, which forms part of these Terms.

By purchasing from CoCo Africa Hub, you agree to our Purchase Policy.

7. Payments

All prices displayed on our Website are subject to change without prior notice.

Available payment methods will be displayed during checkout.

We reserve the right to refuse or cancel any order where fraudulent or unauthorised activity is suspected.

8. User Accounts

Where access to a course or programme requires a user account, you are responsible for maintaining the confidentiality of your login details.

You agree not to:

• Share your login credentials.

• Allow another person to access your account.

• Attempt to access another user's account.

You remain responsible for all activity occurring under your account.

9. Community Standards

Where our Services include private communities, discussion groups, live sessions, mentoring, or coaching, you agree to participate respectfully.

The following behaviour is prohibited:

• Harassment or bullying

• Hate speech

• Discrimination

• Offensive or abusive language

• Spam

• Unauthorised promotions

• Sharing another member's confidential information

We reserve the right to remove any participant who breaches these standards without refund.

10. Privacy

Your privacy is important to us.

Our collection, storage, use, and protection of your personal information are governed by our Privacy Policy, which forms part of these Terms.

By using our Website, you acknowledge that you have read and agree to our Privacy Policy.

11. Disclaimer

Your use of this Website and our Services is subject to our Website Disclaimer.

By using our Website, purchasing our Services, or relying on our content, you acknowledge that you have read and accepted our Website Disclaimer.

12. Third-Party Services

Our Website may contain links to third-party websites, software, payment providers, or external services. These links are provided for convenience only.

CoCo Africa Hub does not endorse and is not responsible for the availability, content, security, or privacy practices of any third-party websites or services.

13. Accuracy of Information

While we make every effort to ensure that information on our Website is accurate and up to date, we do not guarantee that all information is complete, current, or free from errors.

We reserve the right to update, modify, or remove Website content without prior notice.

14. Limitation of Liability

To the fullest extent permitted by law, CoCo Africa Hub (Pty) Ltd, its directors, employees, contractors, affiliates, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Your use of our Website.

• Your purchase or use of our Services.

• Your reliance on information provided by CoCo Africa Hub.

• Technical interruptions or Website downtime.

• Third-party software or service providers.

Nothing in these Terms excludes any rights you may have under applicable consumer protection legislation.

15. Suspension or Termination

We reserve the right to suspend or terminate your access to our Website or Services if you:

• Breach these Terms.

• Share or distribute purchased content.

• Engage in fraudulent or unlawful activity.

• Misuse our Website or Services.

• Violate our community standards.

Where appropriate, access may be terminated without refund.

16. Force Majeure

CoCo Africa Hub shall not be liable for any delay or failure to perform its obligations due to circumstances beyond our reasonable control, including but not limited to:

• Natural disasters

• Power failures

• Internet outages

• Government restrictions

• Labour disputes

• Cyber-attacks

• Third-party platform failures

17. Governing Law

These Terms of Use shall be governed by and interpreted in accordance with the laws of the Republic of South Africa.

Any disputes arising from these Terms or your use of our Website shall be subject to the exclusive jurisdiction of the South African courts.

18. Entire Agreement

These Terms of Use, together with our:

• Privacy Policy

• Purchase Policy

• Website Disclaimer

constitute the entire agreement between you and CoCo Africa Hub regarding your use of our Website and Services.

19. Contact Us

If you have any questions regarding these Terms of Use, please contact us:

CoCo Africa Hub (Pty) Ltd

Email: hey@cocoafricahub.com

Website: https://cocoafricahub.com

By accessing our Website or purchasing our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.