Terms and Conditions
Website: https://dfqclub.com/
Effective Date: 22 October 2026
Last Updated: 22 October 2026
1. Introduction
Welcome to DFQ Club (“DFQ Club,” “DFQ,” “we,” “our,” or “us”).
DFQ Club is a platform focused on financial education, physical fitness, personal development, and a community built around discipline, consistency, and measurable progress. Through our website and related services, we provide educational resources, fitness programmes, membership opportunities, community experiences, and other content designed to support personal growth.
These Terms and Conditions govern your access to and use of our website, services, content, membership programmes, and related platforms.
By accessing or using our website, you agree to comply with these Terms and Conditions. If you do not agree, please discontinue using the website and its services.
2. Eligibility
You must be legally eligible to use our services and enter into a binding agreement under the laws applicable to you.
Certain membership programmes, events, or services may have additional age, eligibility, or application requirements. Where applicable, those requirements will be communicated before access is granted.
By submitting an application or registering for a service, you confirm that the information you provide is accurate and complete.
3. Our Services
DFQ Club may provide the following services, subject to availability and the specific membership or programme offered:
– DFQ Finance: Financial education, market-related educational content, research materials, and resources designed to improve financial literacy.
– DFQ Fitness: Fitness programmes, workout plans, conditioning resources, nutrition education, progress tracking, and fitness challenges.
– DFQ 11:11: An exclusive community experience bringing together individuals interested in discipline, financial growth, physical conditioning, and personal development.
– Membership and Events: Application-based membership, community activities, networking opportunities, events, and other benefits announced by DFQ Club.
– Digital Content: Articles, videos, guides, tools, educational materials, and other resources published through our website or authorised channels.
We reserve the right to update, expand, modify, suspend, or discontinue any service where reasonably necessary. Where changes materially affect a paid membership or an existing contractual commitment, we will handle those changes in accordance with applicable law and the relevant membership agreement.
4. Membership and Applications
Certain DFQ Club programmes, including DFQ 11:11, may operate through an application and approval process rather than automatic registration.
Submitting an application does not guarantee acceptance or membership.
DFQ Club may assess applications based on eligibility, suitability, programme capacity, and the standards established for the relevant community.
Applicants agree to provide truthful information and not to impersonate another person or misrepresent their qualifications, identity, or intentions.
Membership benefits, access privileges, duration, and any applicable fees will be communicated through the relevant programme information or membership agreement.
5. Membership Fees and Payments
Where a service or membership requires payment, the applicable price, currency, payment schedule, and included benefits will be communicated before payment is completed.
By making a payment, you authorise the applicable payment provider to process the transaction in accordance with its terms.
You are responsible for ensuring that your payment information is accurate and that you are authorised to use the selected payment method.
Unless expressly stated otherwise, membership fees do not guarantee financial returns, specific fitness outcomes, admission to every event, or access to services outside the purchased membership.
Any recurring payment arrangement must be disclosed before you agree to it. Cancellation, renewal, and refund terms will be governed by the applicable membership agreement and relevant consumer protection laws.
DFQ Club reserves the right to correct genuine pricing errors and to communicate material changes to fees before they apply to future purchases or renewals.
6. Cancellations, Refunds, and Membership Termination
Cancellation and refund eligibility may vary depending on the service purchased, the membership agreement, and applicable law.
Where a refund policy applies, it will be communicated before or at the point of purchase.
If you wish to cancel a membership, you should contact DFQ Club through the official contact details provided on our website.
DFQ Club may suspend or terminate membership where there is a material breach of these Terms, fraudulent conduct, misuse of services, non-payment of applicable fees, or conduct that threatens the safety, security, or proper functioning of the community.
Where reasonably appropriate, we may provide notice or an opportunity to address a breach before termination. Immediate action may be necessary for serious misconduct or security concerns.
Termination does not remove obligations or payment liabilities that lawfully arose before termination. Any refund or outstanding payment will be handled in accordance with the applicable agreement and law.
7. Financial Education Disclaimer
DFQ Finance provides educational information and resources intended to improve financial literacy and understanding of financial markets.
DFQ Club does not guarantee profits, investment performance, or any particular financial outcome.
Unless expressly authorised and agreed in a separate written arrangement, content published through DFQ Club is not personalised investment, legal, tax, or financial advice and should not be treated as a recommendation to buy, sell, or hold a particular financial instrument.
Financial markets involve risk, and investments may lose value. Past performance does not guarantee future results.
You are responsible for your own financial decisions and should consider your objectives, circumstances, and risk tolerance before making financial commitments. Consider consulting a qualified financial professional where appropriate.
Information, opinions, research, market commentary, and educational materials may be incomplete, delayed, or subject to change. We do not guarantee that all information is accurate, current, or suitable for every individual.
Nothing on the website constitutes a promise of returns or a guarantee against financial loss.
8. Fitness, Nutrition, and Wellness Disclaimer
DFQ Fitness provides educational fitness content, exercise programmes, conditioning resources, and general nutrition information.
Our content is intended to support general fitness education and is not a substitute for personalised medical advice, diagnosis, or treatment.
Exercise and dietary needs vary between individuals. You are responsible for determining whether a programme is appropriate for your circumstances and for seeking advice from a qualified healthcare professional when necessary.
Do not disregard professional medical advice or delay seeking it because of information obtained through DFQ Club.
We do not guarantee specific physical transformations, strength gains, weight changes, performance improvements, or other results. Individual outcomes vary according to many factors.
You should use appropriate equipment, follow programme guidance, and stop any activity that causes unusual pain, dizziness, or other concerning symptoms.
To the extent permitted by law, DFQ Club is not responsible for outcomes arising from the inappropriate use of general educational materials. Nothing in these Terms excludes liability that cannot legally be excluded.
9. Acceptable Use and Community Conduct
DFQ Club is built around discipline, respect, accountability, and continuous improvement.
By using our website or participating in our community, you agree to:
– Treat members, staff, guests, and other participants respectfully.
– Provide truthful information when registering or applying for membership.
– Respect the privacy and confidentiality of other members.
– Avoid harassment, discrimination, threats, intimidation, or abusive behaviour.
– Avoid fraudulent activities, impersonation, misleading claims, and unlawful conduct.
– Refrain from unsolicited advertising, spam, or unauthorised solicitation.
– Respect the intellectual property and access restrictions associated with DFQ Club content.
– Avoid attempting to interfere with website security, platform functionality, or other users’ access.
– Follow reasonable rules communicated for membership programmes, events, challenges, and community spaces.
DFQ Club may investigate reported violations and take appropriate action, including issuing warnings, removing content, restricting access, suspending participation, or terminating membership where justified.
10. Intellectual Property Rights
Unless otherwise indicated, the DFQ Club name, logo, branding, website design, original written content, graphics, videos, educational materials, programme materials, and other original content are owned by DFQ Club or used under appropriate permission.
You may access and use publicly available content for personal, non-commercial purposes, subject to these Terms and any additional restrictions displayed with the content.
Without prior written permission or another valid legal basis, you must not:
– Reproduce or republish substantial portions of our protected content.
– Sell, redistribute, or commercially exploit our materials.
– Copy or reproduce our branding in a way that suggests an unauthorised association.
– Modify, distribute, or create derivative works from protected materials beyond what applicable law permits.
– Use automated methods to extract or reproduce protected content in violation of applicable law or our rights.
Nothing in this section limits rights that cannot lawfully be restricted.
11. User-Submitted Content
If you submit comments, testimonials, photographs, videos, reviews, feedback, or other materials to DFQ Club, you confirm that you have the necessary rights and permissions to provide them.
You retain ownership of content you own. However, where you voluntarily submit content for publication or community participation, you grant DFQ Club a non-exclusive permission to use, reproduce, display, and distribute that content for the purposes you have agreed to, subject to applicable law and any separate consent requirements.
We will not assume that submitting content gives us unlimited rights to use your image, testimonial, or personal information in advertising. Any additional use requiring separate consent will be subject to the applicable consent and privacy requirements.
You must not submit content that unlawfully infringes another person’s rights, discloses confidential information without permission, or violates these Terms.
We may remove or restrict content that breaches our policies or applicable law.
12. Privacy and Personal Information
DFQ Club may collect and process personal information when you browse the website, submit an application, contact us, register for a programme, or participate in membership activities.
Personal information will be handled in accordance with our Privacy Policy and applicable data protection laws.
Depending on how the website operates, information may be processed by hosting providers, payment processors, communication platforms, analytics providers, and other service providers necessary to deliver our services.
We encourage you to review the DFQ Club Privacy Policy to understand what information is collected, why it is processed, how it is protected, and what rights may be available to you.
Privacy Policy: [Insert the published DFQ Club Privacy Policy URL]
13. Third-Party Services and Links
Our website may contain links to external websites, platforms, payment providers, social networks, or other third-party services.
These services are operated independently and may be subject to their own terms and privacy policies.
DFQ Club does not control every aspect of third-party services and is not responsible for their content, availability, policies, or practices, except where responsibility cannot lawfully be excluded.
The inclusion of a link does not necessarily constitute an endorsement of the third party or its services.
14. Website Availability and Security
We aim to maintain a reliable and secure website. However, we cannot guarantee uninterrupted access, error-free operation, or continuous availability of every feature.
Access may occasionally be affected by maintenance, technical issues, hosting interruptions, cybersecurity incidents, or circumstances beyond our reasonable control.
You agree not to attempt unauthorised access to our systems, interfere with website operations, introduce malicious code, or misuse any functionality.
We may temporarily restrict access when necessary to maintain security, investigate suspected misuse, or perform maintenance.
15. Limitation of Liability
To the maximum extent permitted by applicable law, DFQ Club shall not be liable for indirect, incidental, special, or consequential losses arising from the use of our website or general educational content.
We are not responsible for decisions made solely on the basis of general financial or fitness information published through the website, nor do we guarantee particular financial, professional, personal, or physical outcomes.
Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, negligence where liability cannot lawfully be excluded, death or personal injury where exclusion is prohibited, or any other liability that applicable law does not permit us to exclude or limit.
Where liability can lawfully be limited, the extent of that limitation will be determined by the applicable law and any relevant service agreement.
16. Indemnification
To the extent permitted by law, you agree to be responsible for losses, claims, and reasonable costs arising directly from your unlawful conduct, material breach of these Terms, or infringement of another person’s rights.
This section does not require you to indemnify DFQ Club for losses caused by DFQ Club’s own unlawful conduct or for liabilities that cannot legally be transferred to you.
17. Changes to These Terms
DFQ Club may update these Terms from time to time to reflect changes in our services, website functionality, membership arrangements, operational requirements, or applicable law.
The revised version will be published on this page with an updated revision date.
Where a change materially affects existing paid memberships or legal rights, we will provide any notice required by the applicable agreement or law.
Your continued use of the website after an update takes effect constitutes acceptance of the revised Terms where such acceptance is legally valid.
18. Governing Law and Dispute Resolution
These Terms shall be governed by the laws of **[insert the appropriate governing jurisdiction]**, subject to any mandatory legal protections applicable to users in their jurisdiction.
If a dispute arises concerning these Terms or our services, the parties should first attempt to resolve it through good-faith communication.
Where an amicable resolution cannot be reached, either party may pursue any remedies available through the competent courts or other dispute-resolution mechanisms under applicable law.
Nothing in this section prevents a user from exercising any mandatory consumer rights or other legal protections available to them.
19. Severability
If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions shall continue in effect to the extent permitted by law.
The invalid provision shall be interpreted or adjusted only to the extent legally necessary to make it enforceable, where permitted.
20. No Waiver
A failure or delay by DFQ Club to exercise a right under these Terms does not constitute a waiver of that right.
Any waiver must be valid under applicable law and, where appropriate, documented in writing.
21. Entire Agreement
These Terms, together with the applicable Privacy Policy, membership agreement, programme-specific rules, and other policies expressly incorporated into them, constitute the agreement governing your use of the relevant DFQ Club services.
If a separate written membership agreement conflicts with these Terms, the documents should be interpreted together, with the applicable mandatory law taking precedence.
22. Contact Information
For questions, complaints, membership enquiries, or requests relating to these Terms, please contact DFQ Club through the official channels below.
Website: https://dfqclub.com/
Email: dfqclub@gmail.com
Phone: +234 816 551 0394
DFQ Club
Two disciplines. One standard.
This document is a general draft and should be reviewed by a qualified legal professional before publication. Replace all placeholders and ensure that the final terms match DFQ Club’s actual operations, payment policies, and applicable laws.