Terms of Use

Last updated: August 2026

Welcome to Smardemia (smardemia.org). By accessing or using our website, you agree to comply with and be bound by the following terms and conditions. Please read them carefully before using our platform or accessing our services.

1. Acceptance of Terms

By accessing Smardemia, you accept these Terms of Use in full. If you disagree with any part of these terms, you must not use our website or services.

2. Use of Platform & Content

Smardemia provides verified scholarship information, academic pathways, and resources for educational purposes. All content published on this site—including text, layout, and graphics—is owned by or licensed to Smardemia and is protected by copyright laws. You may view and download content for your personal, non-commercial use only.

3. Premium Memberships & Payments

Users may opt to join our paid monthly premium subscription tier via supported channels (Paystack, Flutterwave, or Bitcoin). Membership fees are non-refundable once processed and activated. Members agree to provide accurate information and transaction proof for swift activation.

4. Limitation of Liability

While we strive to provide accurate, verified scholarship and grant listings, Smardemia does not guarantee admission or financial awards from third-party institutions. We are not liable for any direct or indirect losses incurred from using external links or scholarship portals.

5. Contact Information

For any questions regarding these Terms of Use, please reach out to us at premium@smardemia.org.