Privacy Policy

A and F Advisory Firm ("we", "us") provides academic, financial, and business and corporate advisory services from Tema Community 24, Ghana. This policy explains how we handle personal information when you use our website, contact us, book a consultation, or become a client.

Depending on how you interact with us, we may collect:

• Account information: your name, email address and telephone number when you register.
• Contact form information: the details you provide when you message us, including your preferred contact method.
• Appointment information: requested dates, times, consultation methods and the notes you share.
• Client communications: messages exchanged with our advisory team through the client portal.
• Uploaded documents: files you choose to share with us as part of an engagement.
• Payment records: invoices, amounts, payment methods and references. We do not store raw card details.

We aim to collect only the information necessary to provide our services. We do not ask for sensitive personal information unless it is genuinely needed for your engagement.

• To respond to your enquiries and arrange consultations.
• To provide, manage and deliver advisory services you engage us for.
• To manage your client account, appointments, documents, invoices and payments.
• To keep you informed about your engagements and, where you have agreed, relevant updates.
• To meet legal, accounting and record-keeping obligations.

Advisory work is confidential. Information about your engagement is accessible only to the team members working on your matter and those who need it for administration. We do not sell or rent your personal information, and we do not share it with third parties except as required by law or with your explicit consent.

Your information is stored in secured systems with access controls. Client documents are stored privately and accessed only through authenticated, authorized downloads. Passwords are never stored in our application systems. Where you choose online card payments, payment details are handled by the payment provider and are not stored by us.

We keep your information for as long as needed to provide services and to meet legal and accounting requirements. Specific retention periods will be confirmed by the firm as part of the finalization of this policy. Placeholder: retention periods to be confirmed.

Subject to applicable law, you may request access to the personal information we hold about you, ask us to correct inaccuracies, or ask us to delete information we no longer need to keep. To make a request, contact us using the details below.

The website uses only the technical storage necessary for it to function, including keeping you signed in to your client account. If we add analytics tools in future, this policy will be updated accordingly.

We may update this policy from time to time. The date at the top of this page shows when it was last revised.

For privacy questions or requests, contact A and F Advisory Firm at Richmondnyarko55@gmail.com or Billie.w.Coles@gmail.com, or call +1 (217) 803-7535.