Terms of Use

Effective Date: 11 August 2025

Welcome to Raya Gold Official (“Company,” “we,” “our,” “us”). These Terms & Conditions (“Terms”) govern your use of our website rayagoldofficial.com (“Site”) and the purchase of our products and services. By using this Site, you agree to be bound by these Terms. If you do not agree, please do not use our Site.

1. Use of the Site

You agree to use our Site only for lawful purposes and in accordance with these Terms. You must not:

  • Violate any applicable laws or regulations
  • Use the Site in a manner that could disable, damage, or impair its functionality
  • Attempt to gain unauthorized access to our systems or data

2. Products and Services

We offer books, digital products, and online resources related to financial education.

  • Digital Products: All sales are final. Due to the nature of digital content, we do not offer refunds unless required by law.
  • Physical Products: Refunds and returns may be available in line with consumer protection laws.
  • Free Resources: By signing up for free guides or downloads, you agree to join our email list. You may unsubscribe at any time.

3. Intellectual Property

All content on this Site, including text, images, graphics, logos, videos, and downloadable materials, is the intellectual property of Raya Gold Official or our licensors.
You may not reproduce, distribute, or create derivative works from our content without our written consent.

4. Payment & Billing

We use secure third-party payment processors (such as Stripe, PayPal, or Amazon) to handle transactions.
We do not store your payment card details. You agree to provide accurate and complete billing information.

5. No Financial Advice

The content on this Site is for educational and informational purposes only.
We are not providing legal, financial, or tax advice. You are responsible for consulting with a qualified professional before making financial decisions.

6. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for their content, privacy policies, or practices.

7. Limitation of Liability

To the maximum extent permitted by law, we are not liable for any damages arising from your use of the Site, including direct, indirect, incidental, or consequential damages.

8. Indemnification

You agree to indemnify and hold harmless Raya Gold Official, its officers, employees, and affiliates from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

9. Termination

We reserve the right to suspend or terminate your access to the Site at our discretion without notice if you violate these Terms.

10. Governing Law

These Terms are governed by the laws of [Insert Country – e.g., Mauritius or South Africa], without regard to conflict of law principles.

11. Changes to These Terms

We may update these Terms at any time. The updated version will be posted on this page with the new “Effective Date.” Continued use of the Site after changes are made constitutes your acceptance of the new Terms.

12. Contact Us

For questions about these Terms, contact us at:
📧 hello@rayagoldofficial.com
🌐 https://rayagoldofficial.com