Website & Content Disclaimer

Wealthfluency is operated by Mbah Consultancy, a company registered in England and Wales with company number 8468510.

What This Disclaimer Covers

This disclaimer applies to our website, all free content (including newsletters, insights, workshops, webinars, guides, downloads, articles, and social media posts), as well as all paid services offered by Wealthfluency.

About Our Services and Content

Our Role

Wealthfluency is a strategic profit advisory practice. We provide strategic business, financial clarity, and decision-support advice to business owners and CEOs. We help you understand your numbers, evaluate business decisions through a financial lens, and build systems for profit.

What We Are NOT

Wealthfluency does not provide:

• Regulated investment advice or personal investment recommendations
• Tax advice, tax planning, or tax preparation
• Legal advice or legal representation
• Accounting services, bookkeeping, or payroll services
• Statutory audits, audit assurance, or regulated accounting services
• Any other regulated professional service unless expressly agreed by us in writing

No Recommendations or Guarantees

Nothing on this website or in our newsletters, workshops, webinars, or other content should be understood as:

• A recommendation to buy, sell, or hold any investment, security, or financial product
• A guarantee of any business, revenue, profit, savings, or performance outcome
• Advice on your personal financial situation
• A promise of specific results

Any examples, case studies, illustrations, figures, savings opportunities, or testimonials are provided for informational and educational purposes only. They are not:

• Promises or guarantees of future results
• Typical outcomes that you should expect to achieve
• Predictions of your business performance
• Applicable to your specific situation

Outcomes depend on many factors including: your business model, existing financial systems, pricing decisions, cost structure, implementation execution, team capacity, market conditions, competitive landscape, and your own business decisions. Results are not guaranteed and will vary based on your unique circumstances.

Responsibility for Implementation and Outcomes

You are responsible for:

• All decisions you make in your business, including financial, pricing, hiring, investment, tax, legal, operational, and marketing decisions
• Implementing any insights, recommendations, or frameworks we provide
• Verifying all information and recommendations independently
• Seeking professional advice from qualified accountants, tax advisers, solicitors, or other regulated professionals before taking action on any matter

We do not provide ongoing monitoring, implementation support, or accountability for how you apply what you learn from our services. Implementation and its success are entirely your responsibility.

Professional Advice Required

• For tax matters, you must consult with a qualified tax adviser, accountant, or tax professional in your jurisdiction.
• For legal matters, you must consult with a qualified solicitor or attorney.
• For accounting and bookkeeping, you must engage a qualified accountant or bookkeeper.
• For regulated financial or investment advice, you must consult with a qualified financial adviser or regulated financial services provider.

Our services do not substitute for professional advice in any of these areas.

About Testimonials and Case Studies

Client testimonials and case studies represent the experiences and outcomes of specific individuals or businesses who have worked with Wealthfluency. Testimonials are voluntary and may not be typical. They do not guarantee or predict:

• That you will achieve similar results
• Your specific business outcomes
• Your profit, revenue, or financial performance
• Success of any kind

Each business is unique. Outcomes depend on individual circumstances, implementation, business decisions, and factors outside our control.

The Profit Audit

The Profit Audit is an advisory diagnostic review of your business's profitability and financial performance. It is not:

• A statutory audit
• An audit assurance engagement
• A regulated accounting service
• A comprehensive financial review
• A guarantee of accuracy of your underlying financial data

The Profit Audit relies on information you provide and may be subject to the limitations, errors, and gaps in that information.

Client-Owned Outputs and Intellectual Property

Your business data remains yours. Any underlying financial data, business information, or records you share with us remain your property.

Custom deliverables. Where we create custom dashboards, reports, or strategic outputs specifically for you as part of a paid engagement, your client proposal or service agreement specifies what is transferred to you and what remains our intellectual property or background systems.

Unless otherwise agreed in writing:

• Your business data and records remain yours
• Our methods, frameworks, tools, and background systems remain our intellectual property

Free Content and Relationships

Your use of our free website content, newsletters, insights, or downloads does not create:

• A client relationship
• An adviser-client relationship
• A fiduciary relationship
• A professional services relationship
• Any obligation on our part to provide ongoing advice or support

A contractual relationship with Wealthfluency arises only when we accept your booking or purchase of a paid service. That relationship is governed by our Terms and Conditions.

Guarantees

Unless a specific service includes an express written guarantee in the service description or proposal, no guarantee is provided. Where a guarantee is expressed in writing for a specific service, that guarantee applies only to that service and only on its stated terms.

Website Technical Limitations

Our website is provided "as is" and may be subject to:

• Temporary unavailability or downtime
• Technical errors or interruptions
• Performance issues
• Third-party platform interruptions (including Stripe, Acuity Scheduling, hosting providers, and other services we use)

We are not liable for interruptions, outages, or technical failures outside our reasonable control. We do not guarantee uninterrupted or error-free website functionality.

Third-party platforms we use (including payment processors, scheduling tools, and service providers) have their own terms and policies that apply to your use of their services.

Global Applicability and Governing Law

This disclaimer and our services are offered globally to clients in the UK, the European Union, North America, South America, and elsewhere. These terms are governed by the laws of England and Wales.

However, where you are located in a country with mandatory consumer protection or data protection laws, those laws also apply to the extent they provide you with greater protection.

No Liability Exclusions for Prohibited Claims

Nothing in this disclaimer excludes or restricts liability that cannot lawfully be excluded or restricted under applicable law, including:

• Liability for fraud or fraudulent misrepresentation
• Liability for death or personal injury caused by negligence
• Statutory rights that cannot be restricted by contract
• Consumer rights that cannot be waived

Related Policies

For information about how we collect, use, and protect your personal data, please see our Privacy Policy.

For information about payments, cancellations, refunds, service terms, intellectual property, confidentiality, and other contractual terms, please see our Terms and Conditions.

Contact

If you have questions about this disclaimer or about our services, please contact us at contact@wealthfluency.com.