Terms and conditions

Welcome to the Business Smart Now-GH website. We are managed and operated by E & F GALAXY & VENTURES LIMITED with offices based in GHANA. To get the most out of your experience with us, we would appreciate it if you took some time to have a look through our terms and conditions.

By accessing or using our website, you agree to be bound by these terms and conditions.
If you disagree with any part of these terms and conditions, you may not access the website.

Modification of Terms

We reserve the right to modify these terms and conditions at any time without prior notice. By continuing to use the website after any changes are made, you agree to be bound by the updated terms and conditions.

Use of our website materials

All materials and content on the businesssmartnow-gh.com are the property of E & F GALAXY & VENTURES LIMITED and are protected by copyright laws. You may not copy, modify, distribute, or reproduce any content from businesssmartnow-gh.com without our prior written consent.

Requested ownership of content

If you as a user provided us with any content, such as, for example, comments or feedback, you are agreeing to us having the right to use, reproduce and distribute the content without any obligation to compensate you or anyone else for such use.


Our products are all sold in a digital format. Please use your correct information before purchasing so the products can be delivered to you with no issues. Once you have finalised your payments, please allow up to 24 hours for the products to be delivered to your email. If you do not provide the correct information, then we are not liable for any product you do not receive.


We take pride in offering a payment process that is quick and simple, while also staying safe and secure. Select the product that you would like to purchase and proceed to checkout where you will have the opportunity to input your payment details for your credit card or debit card. Once the process is confirmed, the purchase transaction will appear in your bank account under BUSINESSSMART.


We hope that we are able to provide you with high quality service and products. However, if unfortunately the product that you purchased was not what you had in mind, please get in contact with our support team who will be able to take you through next steps. To be eligible for a refund, please contact us within 48 hours of purchase. After 48 hours we are regrettably unable to provide you with a full refund.

Please note that it is at our discretion as to whether we will offer a refund.


We collect personal information from our users so that we can provide a great user experience. As we have access to this data, we take the privacy of our customers extremely seriously. For further information please refer to our Privacy Policy about how we collect, use, and disclose your personal information.

Disclaimer of Warranties

Businesssmartnow-gh.com is provided "as is" without any warranty, express or implied. Although we try to withhold the highest standards, we are unable to guarantee that our website is error-free, uninterrupted, or free from viruses or other harmful components at all times.

Limitation of Liability

Through using our website, you agree that businesssmartnow-gh.com is not liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our website. Please note that by using businesssmartnow-gh.com, you are also agreeing to be made responsible for any losses, damages, costs and legal fees that might occur.


We work hard to maintain the highest level of customer service so that you have a great experience with us. However, in the highly unlikely event that there is a disagreement, we recommend you contact us directly before using legal action. If legal action is required, you agree to indemnify and hold harmless E & F GALAXY & VENTURES LIMITED and its affiliates, officers, agents, and employees from any claim, demand, or damage, including reasonable legal fees, arising out of or in connection with your use of businesssmartnow-gh.com.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Ghana, without giving effect to any principles of conflicts of law.

Contact Us

If you have any questions or concerns about these terms and conditions, please contact us at Support@BUSINESSSMARTNOW-GH.COM.

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