Terms and Conditions

Last Updated: [January, 2026]

Introduction

Welcome to abrahamowoseni.com (“Site,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of our website, programs, courses, coaching services, and any related services (collectively, “Services”).

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, do not use our Services.

1. DEFINITIONS

“You,” “Your,” “User”: The person or entity accessing our Services
“We,” “Us,” “Our”: Dr. Abraham Owoseni and his business entities
“Services”: All programs, courses, coaching, content, and resources offered
“Content”: All text, images, videos, audio, and materials on our Site
“Programs”: 360-Degree Success System (3DS), New Manager Leadership Accelerator (NML), Distinguished Legacy Leader Program (DLL), and all other offerings

2. ACCEPTANCE OF TERMS

By using our Services, you:

• Are at least 18 years old (or have parental consent)
• Have the legal capacity to enter into a binding agreement
• Agree to comply with all applicable laws and regulations
• Accept these Terms in full

3. SERVICES OFFERED

3.1 Programs and Courses

• 360-Degree Success System (3DS): For career professionals
• New Manager Leadership Accelerator (NML): For emerging managers
• Distinguished Legacy Leader Program (DLL): For senior executives
• Grow & Glow Masterclass: Monthly development program
• Other programs and courses as advertised

3.2 Coaching Services

• One-on-one coaching sessions
• Group coaching
• Clarity coaching calls
• Mentorship programs

3.3 Digital Products

• Books (ebooks and physical)
• Guides and workbooks
• Assessment tools
• Templates and frameworks

3.4 Free Resources

• Newsletter
• Blog content
• Free guides and assessments
• Webinars and workshops

4. REGISTRATION AND ACCOUNTS

4.1 Account Creation

To access certain Services, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information
• Keep your password secure and confidential
• Notify us immediately of unauthorized access
• Be responsible for all activities under your account

4.2 Account Termination

We reserve the right to suspend or terminate your account if:

• You violate these Terms
• You provide false information
• Your account is inactive for extended periods
• We discontinue Services

5. PAYMENT AND BILLING

5.1 Pricing

• Prices are displayed on our website and may change without notice
• Current participants are protected from price increases during their enrollment period
• All prices are in the currency specified at checkout

5.2 Payment Methods

We accept:

• Credit/debit cards (Visa, Mastercard, etc.)
• PayPal
• Bank transfers
• Other methods, as advertised

5.3 Payment Processing

• Payments are processed securely through third-party providers
• One-time payments or payment plans as specified
• Recurring payments require your authorization

5.4 Failed Payments

If a payment fails:

• Your access to Services may be suspended
• You will be notified and given the opportunity to update payment information
• Late fees may apply
• Continued failure may result in cancellation

6. REFUND POLICY

6.1 General Refund Policy

• Digital Products: Non-refundable once accessed/downloaded
• Programs/Courses: 
  • 7-day money-back guarantee if you haven’t accessed the course content
  • No refunds after content has been accessed
  • Special circumstances are considered on a case-by-case basis

6.2 Coaching Services

• Sessions must be cancelled 24 hours in advance
• No-shows are non-refundable
• Package refunds calculated pro-rata for unused sessions

6.3 Physical Books

• Returns accepted within 14 days if unopened
• Buyer is responsible for return shipping
• Refund processed upon receipt

6.4 Requesting Refunds

Email: accounts@abrahamowoseni.com
Include: Order number, reason for refund, and relevant details

7. INTELLECTUAL PROPERTY

7.1 Our Ownership

All content on our Site is owned by Dr. Abraham Owoseni and protected by:

• Copyright laws
• Trademark laws
• Intellectual property laws

This includes:

• Course materials and curriculum
• Books and publications
• Videos and audio recordings
• Images and graphics
• Frameworks and methodologies 
• Website design and code
• Logos and branding

7.2 Your License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use Services for personal use
• Download materials for personal reference
• Participate in programs and courses

You may NOT:

• Reproduce, duplicate, or copy our content
• Sell, resell, or commercialize our materials
• Distribute or share access with others
• Modify or create derivative works
• Remove copyright notices or attributions
• Use content for training or competing services

7.3 User-Generated Content

When you submit content (testimonials, feedback, questions):

• You retain ownership of your content
• You grant us a worldwide, royalty-free license to use, reproduce, and display your content
• You represent that you have rights to submit the content
• We may use your testimonials in marketing materials (with permission)

8. CODE OF CONDUCT

You agree to:

• Be Respectful: Treat instructors and other participants with respect
• Be Honest: Provide accurate information
• Engage Authentically: Participate genuinely in programs
• Maintain Confidentiality: Respect the privacy of other participants
• No Harassment: Prohibited behavior includes harassment, discrimination, or bullying

Prohibited Activities:

• Sharing login credentials
• Recording sessions without permission
• Spamming or soliciting other participants
• Posting offensive or inappropriate content
• Violating others’ intellectual property
• Attempting to hack or disrupt services

Violation Consequences:

• Warning
• Suspension from Services
• Termination without refund
• Legal action if necessary

9. DISCLAIMERS

9.1 Educational Purpose

Our Services are for educational and informational purposes. They do not constitute:

• Professional advice (legal, financial, medical, psychological)
• Employment counseling
• Therapy or clinical services
• Guaranteed career outcomes

9.2 Results Disclaimer

RESULTS MAY VARY. Your success depends on many factors, including:

• Your effort and commitment
• Current circumstances
• Market conditions
• Personal attributes

WE DO NOT GUARANTEE:

• Specific outcomes or results
• Career advancement or promotions
• Income increases
• Business success
• Personal transformation

Testimonials represent individual experiences and are not typical results.

9.3 No Warranty

Services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, express or implied, including:

• Merchantability
• Fitness for particular purpose
• Non-infringement
• Accuracy or completeness
• Uninterrupted or error-free service

10. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

We are NOT liable for:

• Indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or opportunities
• Business interruption
• Personal injury
• Emotional distress

Maximum Liability: Our total liability shall not exceed the amount you paid for Services in the 12 months preceding the claim.

Exceptions: Nothing limits liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Matters that cannot be limited by law

11. INDEMNIFICATION

You agree to indemnify and hold harmless Dr. Abraham Owoseni, his affiliates, and representatives from any claims, damages, losses, liabilities, and expenses arising from:

• Your use of Services
• Your violation of these Terms
• Your violation of others’ rights
• Content you submit

12. CANCELLATION AND TERMINATION

12.1 Your Right to Cancel

• You may cancel Services by emailing contact@abrahamowoseni.com
• Refunds subject to our Refund Policy
• Access ends upon cancellation

12.2 Our Right to Terminate

We may suspend or terminate your access if:

• You breach these Terms
• Your behavior is harmful to others
• Required by law
• We discontinue Services

Upon termination:

• Your right to access Services ends immediately
• No refund for breach of Terms
• Surviving provisions remain in effect

13. MODIFICATIONS TO SERVICES AND TERMS

13.1 Service Changes

We reserve the right to:

• Modify or discontinue Services
• Change curriculum or content
• Update pricing
• Add or remove features

We will provide reasonable notice of material changes.

13.2 Terms Changes

We may update these Terms. Changes effective upon posting unless otherwise stated. Continued use constitutes acceptance.

Notification Methods:

• Email to registered users
• Notice on website
• Update to “Last Updated” date

14. THIRD-PARTY SERVICES

Our Services may integrate with third-party platforms:

• Payment processors
• Email services
• Course platforms
• Video conferencing tools

We are not responsible for:

• Third-party terms and policies
• Availability or performance
• Data practices of third parties

15. CONFIDENTIALITY

15.1 Participant Confidentiality

Information shared in group sessions should remain confidential among participants.

15.2 Our Confidentiality

We will keep your personal information confidential as described in our Privacy Policy.

15.3 Exceptions

Confidentiality does not apply to:

• Information you make public
• Legal requirements to disclose
• Protection of safety

16. DISPUTE RESOLUTION

16.1 Informal Resolution

Please contact us at: contact@abrahamowoseni.com
We will attempt to resolve disputes informally within 30 days.

16.2 Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria.

16.3 Arbitration

Any disputes shall be resolved through binding arbitration in Nigeria, except:

• Small claims court matters
• Intellectual property disputes
• Injunctive relief

16.4 Class Action Waiver

You agree to resolve disputes individually, not as part of a class action.

17. GENERAL PROVISIONS

17.1 Entire Agreement

These Terms constitute the entire agreement between you and us.

17.2 Severability

If any provision is invalid, the remaining provisions remain in effect.

17.3 Waiver

Failure to enforce any right does not waive that right.

17.4 Assignment

You may not assign these Terms. We may assign without notice.

17.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our control.

17.6 Notices

Notices to you: Email to your registered address
Notices to us: contact@abrahamowoseni.com 

18. TESTIMONIALS AND ENDORSEMENTS

By submitting a testimonial, you:

• Grant us permission to use it in marketing materials
• Certify that it is truthful and based on your experience
• Understand we may edit for length or clarity
• May request removal at any time

19. ACCESSIBILITY

We strive to make our Services accessible to all users. If you encounter accessibility issues, please contact us.

20. CONTACT INFORMATION

Questions about these Terms?

Email: contact@abrahamowoseni.com
Website: www.abrahamowoseni.com

For specific issues:

• Technical support & Privacy concerns: contact@abrahamowoseni.com 
• Billing questions: accounts@abrahamowoseni.com