Terms of Service

These terms govern your use of the A and F Advisory Firm website and the advisory services provided by the firm ("we", "us"). By using the website or engaging our services, you agree to these terms.

We provide academic advisory, financial advisory, and business and corporate advisory services. The precise scope of any engagement is agreed with you before work begins. The information published on this website is general information and does not, by itself, constitute professional advice for your specific situation.

Your initial consultation is free and carries no obligation. It is an opportunity for us to understand your situation and for you to assess whether our support suits your needs.

Advisory assignments are paid engagements. Before any assignment begins, we provide you in writing with the scope of work, fee, payment terms and expected deliverables. No paid work begins until you approve those terms. We do not guarantee specific outcomes, and any statements about results in our communications are estimates, not promises.

Appointments can be requested through this website or by telephone. Appointment requests are subject to confirmation by the firm. Please notify us as early as possible if you need to reschedule or cancel. Cancellation terms will be confirmed by the firm and reflected in a future revision of these terms.

We accept Mobile Money, bank transfer, and cash, and online card payments where a payment provider is configured. Payment instructions are provided with each invoice. Where you pay by cash or bank transfer, your payment is confirmed after verification by our team.

• Provide accurate information relevant to your engagement.
• Use the website and client portal lawfully and keep your login details secure.
• Do not attempt to access records that are not yours or to interfere with the service.

To the extent permitted by law, we are not liable for decisions you make based on general information published on this website. For paid engagements, our responsibility is defined by the agreed scope of work. Placeholder: liability terms to be confirmed by the business.

We do not provide regulated investment advice, do not manage investments, do not sell securities, and do not offer licensed tax, retirement, immigration or visa services. Where a matter requires regulated advice, we will say so.

We may update these terms from time to time. The date at the top of this page shows when they were last revised.

Questions about these terms? Contact us at Richmondnyarko55@gmail.com or call +1 (217) 803-7535.