1. INTRODUCTION 

Welcome to Heart of Lightness (“we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of heartoflightness.org (the “Website”) and our investment and development services. By accessing or using our Website, you agree to be bound by these Terms.

2. ABOUT OUR SERVICES 

Heart of Lightness is an investment entity focused on transformative development projects in Africa, specifically in the following sectors: 

• Mining 
• Agriculture 
• Healthcare 
• Financial institutions

3. INVESTMENT CRITERIA AND PRINCIPLES 

Our project selection is based on the following core criteria: a) Clear Development Impact b) Strong Local Partnerships c) Sustainable Business Model d) Scalability Potential

4. USE OF WEBSITE 

4.1. Eligibility You must be at least 18 years old and capable of forming a legally binding contract to access our Website and services.

4.2. Account Responsibility If you create an account, you are responsible for maintaining the confidentiality of your account information and for all activities under your account.

5. INTELLECTUAL PROPERTY 

All content on the Website, including but not limited to text, graphics, logos, images, and software, is the property of Heart of Lightness and is protected by applicable intellectual property laws.

6. INVESTMENT DISCLAIMERS

6.1. Not Financial Advice Information provided on our Website does not constitute financial, investment, or legal advice. We recommend consulting with qualified professionals before making any investment decisions.

6.2. Investment Risks All investments carry inherent risks. Past performance is not indicative of future results. You should carefully consider your investment objectives and risk tolerance before investing.

7. PRIVACY AND DATA PROTECTION 

Your use of our Website is also governed by our Privacy Policy. By using our services, you consent to the collection and use of information as detailed in our Privacy Policy.

8. LIMITATION OF LIABILITY 

To the maximum extent permitted by law, Heart of Lightness shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the Website or services.

9. THIRD-PARTY LINKS 

Our Website may contain links to third-party websites. We are not responsible for the content or practices of these websites and encourage you to review their terms and policies.

10. MODIFICATIONS TO TERMS

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes constitutes acceptance of the modified Terms.

11. GOVERNING LAW 

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflicts of law principles.

12. CONTACT INFORMATION 

For questions about these Terms, please contact us through our Website.

13. SEVERABILITY 

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary while preserving the remaining provisions.

14. ENTIRE AGREEMENT 

These Terms constitute the entire agreement between you and Heart of Lightness regarding the use of our Website and services.

END OF TERMS OF SERVICE