Terms of use

About this site and these terms

This website belongs to me, Francisca Osaigbovo. I trade as Francisca Creates, and my books are published under my own imprint, Golden Press. The company behind the site is Goldencrest Services Limited, registered in Nigeria with registration number RC 9277930. I work from Nigeria.

The site is where I share my creative work and where my students sign in to reach the courses and books they've bought. By using it you accept these terms. If you don't agree with them, please don't use the site. That sounds blunt, I know, but it's how terms work, and I'd rather say it plainly than hide it in legal language.

To buy from me or hold a student account you need to be at least eighteen, or have a parent or guardian handle the purchase and the account for you.

Student accounts

You can browse most of this site without an account. An account exists for one reason, which is to unlock content you own, such as a course or a book you've bought from me. You can sign up with your name, an email address and a password, or choose to continue with Google. Either way, the account only starts working once the email address has been confirmed.

Your password is yours to protect. Choose a good one and keep it to yourself. Whatever happens on your account is your responsibility, so if you ever suspect someone else has been in it, use the forgot-password link on the sign-in page to change it straight away, and let me know through the contact form.

If you want your account closed, ask me through the contact form and I'll do it. Closing an account doesn't erase the record of what you bought, so your access can be restored if you ever come back.

Buying my work

Purchases happen on Selar, or you can arrange one with me directly. Payment never happens on this website, so the site never sees or stores your card details or your bank credentials. It has no way to.

Once I can confirm your payment, I grant access to the email address you bought with, normally within forty-eight hours and usually much faster. If your access hasn't appeared by then, write to me through the contact form and I'll sort it out.

Refunds depend on how you bought. Purchases made on Selar follow Selar's own refund policy, because Selar handled your money, not me. If you and I arranged something directly, any refund is something we agree between ourselves. None of this takes away rights that Nigerian consumer law gives you regardless of what a seller writes.

What buying gets you

Buying gives you personal access to the work. It's yours to read, watch, study and come back to, for as long as I offer the work on this site. If I ever have to withdraw something you paid for, I'll take reasonable care to preserve your access, whether that means moving the content somewhere you can still reach it or finding another sensible way to make sure you don't lose what you paid for. Paid access is a promise, and I treat it as one.

It isn't ownership of the work itself and it doesn't include resale rights. Access is personal and non-transferable. Please don't share your login, and please don't copy or redistribute protected content anywhere. If that happens, I can revoke the access involved, and I keep revoked access marked as revoked rather than deleting the record.

Who owns the content

Everything on this site belongs to me or is used with permission. That covers the films, the imagery, the books, the course material and the shows. Buying something grants you personal use of it, nothing more. If you'd like to use my work in any other way, including licensing it, ask me first through the contact form.

The contact form and acceptable use

The contact form exists so that real people can reach me about real things: a commission, a course, a book order, a collaboration. Please don't use it to send spam, scams, abuse or anything unlawful. To keep the form usable I store a little technical information with each enquiry, and my privacy policy explains exactly what that is.

The same spirit applies to the whole site. Don't probe its security or try to reach content you haven't paid for. Don't interfere with anyone else's use of it either. If you find a genuine security problem, I'd honestly rather you told me about it than exploited it.

Links to other places

This site links out to platforms I don't run, including Instagram, TikTok, YouTube, WhatsApp and Selar, and some video lessons play on outside platforms too. When you follow one of those links, that platform's own terms and its own privacy rules take over, not mine. I choose where I link with care, but I can't control what happens on someone else's platform.

When the site changes

This site will keep evolving, because my work does. I add new pieces and I reorganise. Now and then something may have to move or be withdrawn entirely.

If a change materially affects content you've paid for, I won't rely on you happening to check this page. I'll make the change easy to notice, and where I can I'll email the address your access is registered to.

Warranties and liability

I look after this site and I want it to work well, but I can't promise it will never go down or never contain a fault. It comes as it is. The services I rely on to host and serve it can fail in ways outside my control, and despite my care a page may occasionally carry a mistake.

So my responsibility has limits. As far as Nigerian law allows, I'm not liable for losses caused by events beyond my reasonable control, or for indirect losses such as lost profits or lost data, and my total liability to you is capped at the amount you paid me. I want to be straight about the other side of that too. No website terms can cancel every kind of liability, nothing here excludes or limits any liability that the law of the Federal Republic of Nigeria says cannot be excluded or limited, and if the law where you live gives you protections you cannot sign away, those stay yours.

Governing law

These terms are governed by the law of the Federal Republic of Nigeria, and any dispute about them belongs before the Nigerian courts. If one part of these terms ever turns out to be unenforceable, the rest still stands.

Changes to these terms

When these terms change, I'll post the updated version on this page with a new effective date at the top. Continuing to use the site after that date means you accept the update. If you're a paying customer and you don't accept a material change, write to me and we'll sort out something fair.

How to reach me

If anything here is unclear, or you think I've got something wrong, tell me. Use the contact form on this site. I read the messages that come in, and I answer them.