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Terms and Conditions

Terrarise Gate Last updated: 8 October 2026

These Terms and Conditions ("Terms") govern your use of terrarisegate.com (the "Website") and your purchase of digital products from Terrarise Gate ("we", "us", "our"), a business registered in the Republic of Ghana operating in ecommerce and general trading. By using the Website or placing an order, you agree to these Terms. If you do not agree, please do not use the Website.

1. About our products

We sell digital products: career resources and personal finance templates, workbooks and planners. Products are delivered electronically in formats such as DOCX, Google Docs/Sheets copy links, XLSX and PDF. No physical goods are shipped. Each product page describes what is included, the formats provided and any software requirements.

2. Eligibility and accounts

You must be at least 18 years old, or have the consent and supervision of a parent or guardian, to purchase from the Website. You agree to provide accurate information when ordering. We may refuse or cancel an order where we reasonably suspect fraud or misuse.

3. Prices and currency

  • All prices are set and charged in Ghana cedis (GHS) and include any applicable taxes unless stated otherwise.
  • The Website offers an optional display of approximate prices in US dollars (USD). These USD figures are estimates based on a regularly updated exchange rate, are provided for convenience only, and do not form part of the price. You will always be charged the GHS amount shown at checkout.
  • If you pay with a card or account in another currency, your bank or provider may apply its own exchange rate and fees.
  • We may change prices at any time, but changes do not affect orders already confirmed.

4. Ordering and payment

When you place an order, we confirm receipt and send you instructions to complete payment using the methods we accept (such as mobile money or bank transfer, or a secure online payment provider where available). A contract between you and us is formed when your payment is confirmed and we send your download links. We do not store your full card or mobile money details. Unpaid orders may be cancelled after 7 days.

5. Delivery

After payment is confirmed, download links are shown on your order page and sent to the email address you provided. Download links are personal to you, may be time-limited, and may be limited to a reasonable number of downloads; you can request fresh links by contacting us. You are responsible for downloading and backing up your files. Template links (such as Canva, Google or Notion copy links) give you your own copy to edit.

Gift purchases: if you buy a product as a gift, the licence is granted to the named recipient instead of you. You confirm that you have the recipient's permission to share their name and email address with us for delivery.

6. Licence to use our products

All products are licensed, not sold. On full payment we grant you a non-exclusive, non-transferable, revocable licence to use the product in accordance with these Terms and the licence type you purchased.

Personal Licence: products are licensed to one individual (or the gift recipient). You may use CV and cover letter templates to create your own documents, but you may not resell or share the template files. Career coaches and schools should contact us about group licences.

Unless your licence expressly permits otherwise, you may not:

  • resell, sublicense, share, distribute, upload or give away the files or template links, in original or modified form;
  • claim our products or designs as your own work, or remove copyright notices;
  • use our products in any unlawful, misleading or harmful way.

We may revoke your licence and disable access if you breach these Terms.

7. Intellectual property

All content on the Website and in our products, including text, designs, graphics, illustrations, code, templates and logos, is owned by or licensed to Terrarise Gate and is protected by copyright and other intellectual property laws of Ghana and international treaties. Except for the licence granted in section 6, no rights are transferred to you.

8. Refunds

Refunds are governed by our Refund Policy, which forms part of these Terms.

9. Disclaimers

FINANCIAL & CAREER DISCLAIMER: Our products are general educational resources and templates. They are not personalised financial, investment, tax, credit, legal or employment advice, and Terrarise Gate is not a licensed financial adviser. For decisions about investments, loans, taxes or legal matters, consult an appropriately licensed professional. We do not guarantee job offers, interview outcomes, salary results or financial results. LinkedIn is a trademark of its owner.

Our products and the Website are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we make no warranties that the products will meet your specific requirements or that the Website will be uninterrupted or error-free.

10. Limitation of liability

To the fullest extent permitted by the laws of Ghana, we are not liable for any indirect, incidental, special or consequential loss, including loss of profits, data, business or opportunity, arising from your use of the Website or our products. Our total liability for any claim relating to a product is limited to the amount you paid for that product. Nothing in these Terms excludes liability that cannot be excluded by law.

11. Acceptable use of the Website

You agree not to interfere with the Website's security or operation, attempt to access download files without paying, use automated tools to scrape the Website, or submit unlawful or abusive content through our forms.

12. Third-party services

The Website relies on third-party services such as payment processors, email providers and design platforms. Your use of those services may be subject to their own terms. We are not responsible for third-party services outside our control.

13. Electronic communications

By ordering, you agree to receive transactional communications (confirmations, receipts, download links and product updates) by email. Electronic records and communications satisfy any legal requirement for writing, in accordance with the Electronic Transactions Act, 2008 (Act 772).

14. Privacy

Our Privacy Policy explains how we handle personal data and forms part of these Terms.

15. Changes to these Terms

We may update these Terms from time to time. The version in force when you place an order applies to that order.

16. Governing law and disputes

These Terms are governed by the laws of the Republic of Ghana. We encourage you to contact us first so we can try to resolve any complaint informally. If a dispute cannot be resolved, it shall be subject to the jurisdiction of the courts of Ghana.

17. Contact

Terrarise Gate · [email protected] · Accra, Ghana