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Terms & Conditions

Effective 20 April 2026 · Last updated 20 April 2026

1. About Us

Wealthfluency is operated by Mbah Consultancy, a company registered in England and Wales with company number 8468510 ("Wealthfluency", "we", "us", or "our"). Companies House is the UK registrar of companies and holds the public register of UK companies.

Registered office: Mbah Consultancy, Hertfordshire, England, EN5 2UT · Email: contact@wealthfluency.com · Website: www.wealthfluency.com

These Terms and Conditions govern:

2. Acceptance of These Terms

By using our website, booking a session, purchasing a service, completing a checkout, or otherwise engaging our services, you agree to be bound by these Terms and Conditions.

If you do not agree to these Terms, you must not use our website or purchase our services.

If you are entering into an agreement on behalf of a business, you confirm that you have authority to bind that business to these Terms.

3. Nature of Our Services

Wealthfluency provides strategic business, profit, pricing, financial clarity, and decision-support advisory services for business owners and CEOs.

Our services include:

No Regulated Financial Advice

We do not provide regulated investment advice, tax advice, legal advice, accounting services, bookkeeping, or any other regulated professional service unless expressly stated in writing.

Nothing on our website or in our services should be interpreted as:

You remain responsible for your own decisions and for obtaining specialist advice from accountants, solicitors, tax advisers, or other regulated professionals where appropriate.

4. Eligibility

You may only use our website and services if you are legally capable of entering into a binding contract.

Our services are primarily designed for business owners, founders, and decision-makers. If you purchase on behalf of a company or organisation, that company or organisation will also be bound by these Terms.

5. Service Information and Contract Formation

Descriptions of services on our website or in our materials are invitations to purchase, not binding offers.

A contract is formed when we accept your booking, purchase, or application in writing, by email, through checkout confirmation, or by beginning delivery of the agreed service.

We reserve the right to decline any order, booking, or application at our discretion.

6. Fees and Payment

The fees for our services will be the fees stated:

You agree to pay all fees in full and on time.

Where a payment plan is offered:

We may use third-party payment providers to process payments. At present, this includes Stripe. We do not store full card payment details on our own systems where payments are processed by third-party providers. Stripe publishes its own privacy information and security approach.

7. Scheduling and Appointment Bookings

We may use third-party scheduling tools, including Acuity Scheduling, to manage bookings.

It is your responsibility to:

If you arrive late, the session may still end at the scheduled time.

8. Rescheduling and Missed Sessions

You may request to reschedule a 1:1 session by giving at least 24 hours' notice, unless a different notice period is stated for a specific service.

If less than 24 hours' notice is given, or if you fail to attend, the session may be treated as used and non-refundable.

We may reschedule a session where reasonably necessary. If we do, we will provide as much notice as reasonably possible and arrange an alternative time.

9. Refunds and Cancellation

9.1 Business-to-Business Services

Most Wealthfluency services are sold for business purposes. Where you purchase as a business customer, fees are generally non-refundable, unless:

9.2 Consumer Bookings

If you purchase as a consumer, UK distance-selling rules may apply. For many distance contracts, consumers must be given certain pre-contract information and may have a 14-day cancellation right, subject to exceptions. GOV.UK guidance states that online sellers must clearly explain cancellation rights and provide a durable copy of the contract.

If you are a consumer and have a statutory right to cancel, we will honour that right in accordance with applicable law.

If you ask us to begin services during the cancellation period, and the law permits us to do so, you acknowledge that:

9.3 Specific Service Guarantees

If a specific offer includes a written guarantee, refund promise, or conditional refund right, that specific written guarantee will apply only to that offer and only on its stated terms.

9.4 No Chargebacks Without Prior Contact

You agree to contact us first to try to resolve any billing issue before initiating a chargeback or payment dispute.

10. Late Payment and Suspension

If any payment is overdue, we may:

Any suspension does not remove your obligation to pay outstanding sums.

11. Client Responsibilities

You agree to:

You acknowledge that results depend on many factors outside our control, including your own decisions, implementation, business model, market conditions, team capacity, and third-party actions.

12. No Warranties

The website and services are provided "as is" without warranties of any kind, whether express or implied.

We do not guarantee:

To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

13. No Guarantee of Results

We provide services with reasonable care and skill. Under the Consumer Rights Act 2015, services supplied to consumers must be carried out with reasonable care and skill.

However, we do not guarantee that you will achieve any particular:

Any case studies, testimonials, examples, illustrations, or client stories are provided for information only and do not guarantee that you will achieve the same outcome.

14. Intellectual Property

All intellectual property rights in our website, service materials, frameworks, methods, tools, written materials, dashboards, templates, videos, graphics, downloads, and other content belong to us or our licensors unless stated otherwise.

Subject to payment in full, we grant you a limited, non-exclusive, non-transferable, revocable licence to use materials we provide for your own internal business use only.

You must not, without our prior written consent:

any of our materials, content, or intellectual property, except as expressly permitted in writing.

Client-Owned Data and Business Information

Your pre-existing business data, figures, internal information, and records remain yours.

Where we create custom dashboards, working files, or strategic outputs specifically for you as part of a paid engagement, the contract or proposal for that service may specify what is transferred to you and what remains our background intellectual property.

Unless otherwise agreed in writing:

15. Confidentiality

Each party may receive confidential information from the other.

We will keep your confidential business information private and will not disclose it except:

You agree not to disclose or share our confidential materials, methods, commercial terms, internal documents, or non-public service content without permission.

This clause does not prevent either party from making disclosures required by law.

16. Data Protection and Privacy

We process personal data in accordance with our Privacy Policy.

For UK GDPR purposes, the lawful basis for processing may include:

You confirm that any personal data you provide to us is accurate and that you have any necessary authority to provide it.

17. Cookies and Tracking Technologies

Our website uses cookies and pixel tracking technologies to:

Some cookies are strictly necessary for the website to function. Others are used for analytics, marketing, or preference purposes and require your consent.

By continuing to use the website, you consent to our use of cookies and pixel tracking as described in our Privacy Policy. You may disable cookies through your browser settings, but doing so may limit your access to certain website features.

For full information on how we use cookies and pixel tracking, please see our Privacy Policy.

18. Third-Party Platforms and Tools

We may use third-party platforms and tools in delivering our website and services, including payment processors, scheduling systems, cloud storage, video conferencing tools, analytics tools, and email service providers.

We are not responsible for:

Your use of third-party platforms may also be subject to those third parties' own terms and policies.

19. Website Use

You agree not to misuse our website.

You must not:

20. Acceptable Conduct

When participating in any session, programme, event, workshop, or advisory environment, you agree to act respectfully and lawfully.

We may suspend or terminate your access without refund where you:

21. Limitation of Liability

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability for:

Subject to that:

For consumers, this clause applies only to the extent permitted by law. UK consumer law prohibits businesses from relying on unfair terms, and services must be provided with reasonable care and skill.

22. Indemnification

You agree to indemnify and hold harmless Wealthfluency, Mbah Consultancy, and their respective affiliates, employees, and agents from any claims, damages, or losses (including reasonable legal fees) arising from:

This indemnification obligation applies to the fullest extent permitted by law.

23. Force Majeure

We are not liable for failure or delay in performing our obligations where caused by events outside our reasonable control, including:

Where possible, we will take reasonable steps to minimise disruption.

24. Termination

We may terminate or suspend the agreement immediately if:

If the agreement is terminated due to your breach, sums already paid are non-refundable unless applicable law requires otherwise, and outstanding sums remain due.

Terminating a Strategic Advisory Retainer

You may terminate the Strategic Advisory Retainer by providing 30 days' written notice to contact@wealthfluency.com. The retainer will end at the close of business on the last day of the notice period, and no further invoices will be issued thereafter.

Outstanding payments for services already provided remain due in full.

25. Complaints

If you are unhappy with any aspect of our service, please contact us at contact@wealthfluency.com so we can try to resolve the issue promptly and fairly.

26. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them, their subject matter, or formation, including non-contractual disputes or claims, shall be governed by the laws of England and Wales.

Wealthfluency serves clients globally. While the laws of England and Wales will govern these Terms, if you are a consumer and are located in a country where mandatory consumer protection laws apply, those laws will also apply to the extent they override this clause and provide you with greater protection.

The courts of England and Wales shall have exclusive jurisdiction to hear any dispute, except where:

27. Entire Agreement

These Terms, together with any proposal, invoice, service description, and our Privacy Policy, form the entire agreement between you and us in relation to the relevant service, unless expressly agreed otherwise in writing.

28. Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable, the remaining provisions will continue in full force and effect.

29. Changes to These Terms

We may update these Terms from time to time.

The version in force at the time you purchase or book a service will apply to that purchase or booking, unless a change is required by law or we notify you otherwise.