Terms of Use

These Terms of Use ("Terms") govern your access to and use of Rhema.art, an AI-powered flyer and creative-design platform operated by EFZ Solutions and/or its applicable affiliated entity.

By creating an account, accessing the Service, purchasing a subscription or otherwise using Rhema.art, you agree to these Terms. If you do not agree to these Terms, you must not use the Service.

If you are using Rhema.art on behalf of a church, ministry, charity, company, organisation or other legal entity, you confirm that you have authority to bind that organisation.

The contracting party is:

• Legal name: EFZ SOLUTIONS LIMITED
• Trading name: EFZ Solutions / Rhema.art
• Company number: CAC No. 9342965
• Registered office: 10 Alfred Jonah Street, Off Shell Road, Sapele, Delta State, Nigeria

Where a separate Nigerian or UK entity provides a particular Service, the applicable contracting entity may be identified in your invoice, order confirmation or subscription documentation.

In these Terms:

• "Account" means your Rhema.art account.
• "AI Services" means artificial-intelligence functionality made available through Rhema.art.
• "Content" means text, photographs, images, designs, prompts, logos, trademarks, captions, videos, links and other materials submitted by you.
• "Generated Content" means images, flyers, captions, text, layouts or other material generated by Rhema.art.
• "Service" means the Rhema.art platform and associated services.
• "Subscription" means any paid plan giving access to specified Rhema.art features.
• "User", "you" or "your" means the individual or organisation using Rhema.art.

Rhema.art is built for adults and for organisations such as churches and ministries. We expect account holders to be at least 18, or the age of majority in their jurisdiction if that is higher.

We do not ask for your date of birth and we do not verify anyone's age. We would rather not collect that information at all than collect it in order to check it.

If you are under 18 and want to use Rhema.art for your church, ministry or youth group, please do so with the knowledge and permission of a parent, guardian or the leader responsible for that ministry, and make sure they are comfortable with the images and information you upload and publish.

You must provide accurate information when registering, and you must not create an account for another person without appropriate authority.

You are responsible for:

• maintaining accurate account information;
• protecting your password;
• keeping your login credentials confidential;
• notifying us of unauthorised account access; and
• all activity carried out through your account, except to the extent caused by our failure to apply reasonable security measures.

You must not:

• share your password in a manner that compromises account security;
• impersonate another person;
• create an account using false information;
• circumvent account limits; or
• create multiple accounts to evade restrictions.

Rhema.art provides creative tools which may allow you to:

• create flyers;
• create projects;
• generate AI images;
• generate captions and promotional text;
• upload photographs;
• apply branding;
• store designs;
• download designs;
• publish designs to supported social-media platforms; and
• use other creative functionality introduced from time to time.

Features may change as Rhema.art develops. We may add, modify, suspend or discontinue features, provided that we comply with applicable contractual and consumer-law requirements.

Rhema.art uses artificial intelligence to assist in producing creative outputs.

AI-generated content is probabilistic and may contain:

• factual errors;
• spelling errors;
• incorrect dates;
• inaccurate quotations;
• inappropriate wording;
• distorted faces;
• incorrect hands or body features;
• unintended similarities;
• copyright or trademark issues;
• culturally inappropriate material; or
• other errors.

You are responsible for reviewing Generated Content before using or publishing it.

You must not rely upon AI-generated content as legal, medical, financial, immigration, accounting, theological or other professional advice.

We do not guarantee that:

• every generated image will be unique;
• every output will be accurate;
• every output will satisfy your expectations;
• every prompt will produce the desired result;
• an AI-generated person will accurately resemble the intended individual;
• quotations will be reproduced accurately;
• Generated Content will be suitable for publication without review; or
• Generated Content will be free from third-party intellectual-property claims.

You should review all Generated Content before publication.

You retain ownership of Content that you submit to Rhema.art, subject to rights belonging to third parties.

You grant Rhema.art a limited, non-exclusive, worldwide, royalty-free licence to use your Content only as reasonably necessary to:

• provide the Service;
• store your Content;
• process your Content;
• reproduce your Content;
• resize or technically adapt your Content;
• generate outputs requested by you;
• display your Content within the Service;
• provide customer support;
• maintain backups; and
• publish Content to connected social-media platforms where you instruct us to do so.

This licence does not give Rhema.art ownership of your Content.

Rhema.art does not obtain a general right under these Terms to use your private Content for its own advertising, marketing or promotional purposes.

If we wish to use your Content publicly for promotional purposes, we will seek a separate permission or consent where required.

You represent and warrant that you have all rights, permissions, licences and lawful authority necessary for Rhema.art to process the Content you submit.

You must not upload Content unless you have the necessary rights to do so. This includes rights relating to:

• copyright;
• trademarks;
• privacy;
• publicity;
• personality and likeness;
• confidential information;
• data protection;
• music;
• photographs;
• logos; and
• third-party intellectual property.

If you upload a photograph of a pastor, minister, speaker, employee, volunteer, guest, child or other identifiable person, you confirm that you have the appropriate legal authority to use the photograph for the intended purpose.

You are responsible for obtaining any required consent, permission or other lawful basis.

You must not upload photographs:

• obtained unlawfully;
• where use is prohibited by the person depicted;
• containing confidential information without authority;
• depicting children without appropriate authority;
• for impersonation or fraud; or
• for unlawful surveillance or identification.

Generated images may be stored and served through publicly accessible Cloudinary URLs. Accordingly, you acknowledge that generated images may not be confidential.

You should not use Rhema.art to store material that must remain strictly confidential.

Once you publish content through Facebook, Instagram or another third-party service, that third party may retain, copy, display or redistribute the content according to its own terms.

Where supported, you may connect Rhema.art to Facebook Pages and Instagram accounts. You authorise Rhema.art to perform the publishing actions you request. This may include:

• uploading a flyer;
• posting a caption;
• publishing to a Page;
• publishing to Instagram; and
• adding a "Made with rhema.art" attribution to the caption where applicable.

You are responsible for ensuring that you have authority to connect and publish to the relevant social-media account.

Rhema.art is not responsible for:

• social-media outages;
• rejected posts;
• changes to platform APIs;
• account restrictions imposed by Meta;
• social-media algorithm changes;
• third-party moderation;
• loss of social-media access; or
• third-party removal of published content.

Rhema.art depends on third-party services including AI providers, cloud infrastructure, payment processors, authentication services and social-media platforms.

Those third parties may have their own:

• terms;
• privacy policies;
• usage restrictions;
• availability requirements; and
• content policies.

You agree to comply with third-party terms applicable to services you connect to Rhema.art.

You must not use Rhema.art to:

1. commit or facilitate a criminal offence;
2. commit fraud;
3. impersonate another person;
4. create deceptive or fraudulent documents;
5. create unlawful defamatory content;
6. infringe copyright or trademarks;
7. violate privacy or publicity rights;
8. upload images without appropriate authority;
9. exploit children;
10. create sexual exploitation material;
11. create non-consensual intimate imagery;
12. create malicious or deceptive political material where prohibited by law;
13. generate content intended to facilitate violence or terrorism;
14. generate malware or other malicious code;
15. circumvent technical restrictions;
16. reverse engineer the Service except where legally permitted;
17. interfere with the security of Rhema.art;
18. scrape or systematically harvest the Service;
19. abuse AI-generation limits;
20. use the Service to create discriminatory or unlawful content;
21. upload confidential third-party information without authority; or
22. use the Service in violation of applicable law.

We may remove Content that reasonably appears to violate these Terms or applicable law.

Rhema.art is designed particularly for churches and ministries. However, Rhema.art does not endorse, verify or adopt the theological, doctrinal, political or other views expressed in user-generated Content.

Users remain responsible for ensuring that:

• Bible quotations are accurate;
• quotations are correctly attributed;
• ministry claims are truthful;
• event information is accurate;
• promotional statements are not misleading; and
• Content complies with applicable law.

The Rhema.art platform, including its software, interface, branding, logos, trademarks, design, databases, underlying technology, website, documentation and proprietary systems, is owned by or licensed to Rhema.art / EFZ Solutions and is protected by applicable intellectual-property laws.

Except as expressly permitted by these Terms, you may not copy, reproduce, modify, distribute, reverse engineer, sell or commercially exploit Rhema.art's proprietary platform.

Subject to:

• your rights in the original Content;
• third-party rights;
• applicable law;
• the terms of the AI provider used to generate the content; and
• any applicable limitations concerning AI-generated works,

Rhema.art does not claim ownership of Generated Content solely because it was generated through your use of the Service.

However, you acknowledge that AI-generated material may not qualify for copyright protection in every jurisdiction.

Where a Generated Content element is substantially derived from third-party material, your rights may be subject to those third-party rights.

You are responsible for determining whether additional permission is required before commercial publication.

Certain Rhema.art features may require a paid Subscription. Before purchasing a Subscription, we will provide applicable information concerning:

• price;
• billing frequency;
• included features;
• usage limits;
• renewal arrangements;
• taxes where applicable; and
• cancellation arrangements.

Subscriptions may automatically renew where clearly disclosed and authorised. Any material usage restrictions will be displayed before purchase rather than only within these Terms.

Payments are processed through Stripe or another authorised payment provider.

By purchasing a Subscription, you authorise the relevant payment provider to charge applicable fees according to the selected plan.

Rhema.art does not ordinarily receive or store your complete payment-card details.

We may change Subscription prices prospectively.

Where required, we will provide appropriate notice before a price change takes effect and provide any cancellation rights required by applicable law.

A price change will not retrospectively alter a completed transaction unless legally permitted.

Our general policy is that payments are non-refundable, except where:

• required by applicable law;
• expressly stated at the time of purchase;
• Rhema.art agrees otherwise; or
• a refund is required because the Service has failed to comply with applicable consumer rights.

Nothing in these Terms removes mandatory consumer rights.

For UK consumers, applicable distance-selling and digital-content rules may provide cancellation rights. Where digital content or a digital service is supplied immediately, Rhema.art will obtain any consent or acknowledgement required by applicable law concerning the consumer's cancellation rights.

If you are a consumer, nothing in these Terms excludes or restricts statutory rights that cannot legally be excluded.

In particular, applicable consumer law may provide rights concerning:

• satisfactory quality;
• reasonable care and skill;
• conformity with description;
• remedies for defective digital content;
• cancellation; and
• refunds or price reductions.

UK consumer law places restrictions on unfair contract terms and terms that attempt to exclude mandatory consumer protections.

We aim to provide a reliable Service but do not guarantee uninterrupted availability.

The Service may occasionally be unavailable because of:

• maintenance;
• updates;
• technical failures;
• cyber incidents;
• third-party outages;
• AI provider outages;
• cloud-service outages;
• internet failures;
• social-media API changes;
• circumstances outside our reasonable control; or
• other operational reasons.

Rhema.art may rely on third-party AI providers. If an AI provider changes:

• pricing;
• functionality;
• availability;
• safety restrictions;
• content policies;
• APIs; or
• technical requirements,

Rhema.art may need to modify or discontinue the affected feature.

If you submit suggestions, ideas or feedback concerning Rhema.art, you grant us a non-exclusive, worldwide, royalty-free right to use that feedback to improve the Service without compensation to you.

Feedback should not contain confidential information that you do not want us to receive.

We may suspend or restrict an Account where reasonably necessary to:

• protect the Service;
• investigate suspected fraud;
• investigate security incidents;
• prevent unlawful activity;
• enforce usage limits;
• respond to legal requirements;
• protect other users; or
• address a material breach of these Terms.

Where reasonably practicable, we will provide notice and an opportunity to resolve the issue.

You may stop using Rhema.art at any time.

We may terminate an Account where:

• you materially breach these Terms;
• you engage in unlawful activity;
• your account creates a significant security risk;
• continued provision is prohibited by law; or
• the Service is discontinued.

Termination does not affect rights or obligations that accrued before termination.

Following termination:

• your right to use the Service ends;
• active subscriptions may be cancelled subject to applicable cancellation and refund rules;
• your content may be deleted in accordance with the Privacy Policy and applicable retention periods; and
• provisions intended to survive termination will remain effective.

These may include provisions relating to intellectual property, liability, indemnification, dispute resolution, confidentiality and accrued payment obligations.

You are responsible for your Content and the consequences of publishing it.

You are also responsible for checking the following before publication:

• names;
• dates;
• times;
• venues;
• quotations;
• Bible references;
• spelling;
• images;
• prices;
• contact information; and
• other factual information.

To the extent permitted by applicable law, if you use Rhema.art for business or organisational purposes, you agree to indemnify and hold harmless Rhema.art, EFZ Solutions and their officers, employees and contractors against third-party claims, losses and reasonable costs arising from:

• your unlawful Content;
• infringement of third-party rights by your Content;
• your unauthorised use of another person's image;
• your breach of these Terms; or
• your misuse of the Service.

This clause does not apply to the extent the relevant claim results from Rhema.art's own breach, negligence or unlawful conduct. Nothing in this clause limits mandatory consumer rights.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited. This includes liability for:

• death or personal injury caused by negligence;
• fraud or fraudulent misrepresentation; or
• other liability that applicable law does not permit us to exclude.

Subject to the above and applicable law, Rhema.art will not be responsible for indirect or consequential losses such as:

• loss of anticipated profits;
• loss of business opportunity;
• loss of goodwill;
• loss of reputation; or
• loss of data,

except where such limitation is prohibited by applicable law.

For business users, our aggregate liability arising from the Service will, to the extent legally permitted, be limited to the greater of (a) the amount paid by the relevant customer to Rhema.art during the 12 months preceding the event giving rise to the claim, or (b) one hundred Pounds (GBP 100).

For consumers, mandatory statutory protections apply.

Rhema.art is a creative software service. Nothing generated through the Service constitutes:

• legal advice;
• immigration advice;
• medical advice;
• financial advice;
• accounting advice;
• tax advice;
• professional counselling; or
• any other regulated professional advice.

The Privacy Policy explains how Rhema.art processes personal information, including:

• account information;
• photographs;
• AI prompts;
• generated images;
• analytics information;
• payment information;
• social-media information; and
• information processed through third-party providers.

Rhema.art is not intended to be a confidential document-storage platform.

Because generated images may be hosted at public URLs, you should not submit information to Rhema.art where public exposure could cause harm.

Where information is expressly identified by both parties as confidential in a separate business agreement, additional confidentiality obligations may apply.

We may improve and update Rhema.art from time to time. Changes may include:

• new AI models;
• new design tools;
• new integrations;
• revised usage limits;
• security updates;
• interface changes; and
• discontinued features.

Where a change materially reduces a paid feature, we will take reasonable steps to notify affected customers and comply with applicable law.

We may update these Terms from time to time. Material changes will be communicated through reasonable means, such as:

• email;
• an in-app notification;
• website notice; or
• account notification.

Your continued use of Rhema.art after the effective date of updated Terms may constitute acceptance where permitted by law.

If you do not agree to material changes, you should stop using the Service and cancel any applicable Subscription.

These Terms and any dispute arising from them shall be governed by the laws of England and Wales, subject to mandatory consumer-protection laws applicable in the country where you reside.

The courts of England and Wales shall have jurisdiction over disputes, except where applicable law gives a consumer the right to bring proceedings in another jurisdiction.

Rhema.art is available to users in multiple countries.

Nothing in these Terms is intended to deprive you of mandatory rights that apply to you under the law of your country of residence.

Where mandatory local law conflicts with these Terms, the mandatory local law will prevail to the extent required.

We will endeavour to resolve complaints promptly and reasonably.

Nothing in this clause prevents a consumer from exercising a mandatory legal right to bring a claim before a competent court or regulator.

These Terms, together with the Privacy Policy, applicable Subscription information, any applicable order confirmation, and any separate written agreement between you and Rhema.art, form the agreement governing your use of the Service.

If there is a conflict, the documents will apply in the following order unless otherwise expressly stated:

1. mandatory applicable law;
2. a separately signed written agreement;
3. applicable order or Subscription terms;
4. these Terms; and
5. the Privacy Policy for privacy-specific matters.

If a court determines that any provision of these Terms is unlawful, invalid or unenforceable, the remaining provisions will continue to apply.

The affected provision will be interpreted or modified to the minimum extent necessary to make it lawful where legally possible.

Failure to enforce a provision of these Terms does not constitute a permanent waiver of our right to enforce that provision later.

You may not transfer your rights or obligations under these Terms without our prior written consent, except where permitted by law.

We may transfer or assign these Terms as part of:

• a merger;
• corporate restructuring;
• sale of the Service;
• sale of substantially all relevant business assets; or
• another legitimate corporate transaction,

provided that applicable legal requirements are satisfied.

Legal notices and operational support requests should be sent to:

• Rhema.art / EFZ Solutions
• Legal entity: EFZ SOLUTIONS LIMITED
• Company number: CAC No. 9342965
• Registered office: 10 Alfred Jonah Street, Off Shell Road, Sapele, Delta State, Nigeria
• Website: https://rhema.art

By selecting "Create Account", "Sign Up", "Subscribe", "Purchase", "Accept", or another equivalent acceptance mechanism, or by using Rhema.art where such acceptance is not otherwise required, you acknowledge that:

• you have read these Terms;
• you understand them;
• you agree to be bound by them; and
• you have authority to enter into the agreement where you are acting for an organisation.

Where the law requires separate consent or acknowledgement, Rhema.art will obtain it separately.

The following categories of content are prohibited:

• unlawful content;
• fraudulent content;
• impersonation;
• non-consensual intimate imagery;
• child sexual abuse material;
• exploitation of children;
• terrorist or violent extremist material;
• malware;
• phishing material;
• content designed to facilitate serious wrongdoing;
• unlawful discriminatory material;
• content infringing third-party rights;
• unlawful privacy violations;
• unauthorised use of another person's likeness;
• deceptive identity documents;
• content designed to facilitate fraud; and
• other content prohibited by applicable law or the Rhema.art safety rules.

Rhema.art may remove, restrict or refuse content where reasonably necessary to comply with law, protect users, protect the Service or enforce these Terms.