These terms and conditions govern your use of the services provided by Kazona Maycroft Consulting Limited, a financial and investment advisory consulting company. Kazona Maycroft Consulting Limited (“Kazona Maycroft,” “we,” “us,” or “our”) is a financial and investment advisory consulting company. These Terms and Conditions govern your engagement with our services and the use of our website. By engaging with our services, you agree to these terms in their entirety.
1. Services Provided
Kazona Maycroft Consulting Limited offers financial and investment advisory consulting services. Our services include, but are not limited to, financial planning, investment strategy development, portfolio analysis, and general financial guidance.
- Non-Fiduciary/Non-Custodian Role: We do not act as a broker-dealer, we do not execute trades, and we do not hold or manage client funds.
- Client Responsibility: All investment decisions and their implementation, including the selection of financial products, custodians, and brokerages, remain the sole responsibility of the client.
2. Client Responsibilities
You, the client, are responsible for providing accurate, complete, and timely financial information necessary for our analysis and recommendations.
- Acknowledgement of Reliance: You acknowledge that our advice is based solely on the information you provide, and any inaccuracies or omissions may lead to flawed or inappropriate recommendations.
- Review and Decision-Making: It is your duty to thoroughly review all advice and recommendations and to make your own informed, independent decisions regarding their implementation.
- Outcome Responsibility: You are solely responsible for any outcomes, including gains or losses, resulting from the implementation or non-implementation of our advice.
3. Fees and Payment
Our specific fee structure (e.g., flat fee, hourly rate, or a percentage of assets under advisement) and the scope of work will be outlined in a separate, formal Engagement Agreement between Kazona Maycroft and the client.
- Payment Terms: Payment is due as specified in the Engagement Agreement (e.g., upon receipt of invoice, quarterly, etc.).
- Consequences of Non-Payment: Failure to pay fees in a timely manner may result in the suspension or termination of our services and a cessation of all advisory communication.
- Non-Refundable Fees: All fees paid to Kazona Maycroft for services rendered are non-refundable.
4. No Guarantee of Results
Kazona Maycroft provides advisory services based on our professional knowledge, experience, and due diligence.
- Risk Acknowledgment: You acknowledge that investing involves risk, including the potential for loss of principal, and that past performance is not indicative of future results.
- No Guarantee: We cannot and do not guarantee specific financial results, investment performance, or the achievement of your financial goals.
- Market Factors: Market conditions, economic factors, legislative changes, and other circumstances beyond our control can and will affect investment outcomes.
5. Confidentiality
We are committed to protecting the privacy and confidentiality of your information.
- Maintenance of Confidentiality: We will maintain the confidentiality of all your personal and financial information provided to us.
- Permitted Disclosure: We will not disclose your information to third parties without your prior written consent, except as required by law, regulatory bodies (e.g., Nigerian Securities and Exchange Commission), or a valid court order.
6. Limitation of Liability
Kazona Maycroft Consulting Limited, its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages, including loss of profits, data, or business interruption, resulting from the use of our services or any advice provided.
- Limit: Our total liability for any claim arising out of or related to these terms, our services, or any advice provided, regardless of the form of action, is strictly limited to the total fees you have paid us for the specific services directly giving rise to that claim.
7. Dispute Resolution
Any disputes, controversies, or claims arising out of or relating to these Terms and Conditions, the Engagement Agreement, or the services provided shall be resolved through binding arbitration administered in Lagos, Nigeria, in accordance with the Nigerian Arbitration and Conciliation Act. The decision of the arbitrator shall be final and binding on both parties.
8. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, with jurisdiction seated in Lagos State.
9. Termination of Services
The advisory relationship may be terminated by either party:
- Notice: With thirty (30) days’ written notice to the other party.
- Accrued Fees: Upon termination, the client will be responsible for all fees accrued up to and including the effective termination date. Kazona Maycroft will have no further obligation to provide services or advice.
10. Changes to Terms
Kazona Maycroft Consulting Limited reserves the right to modify these Terms and Conditions at any time. We will notify you of any material changes by posting the updated terms on our website or by direct communication. Your continued use of our services after such modifications constitutes your acknowledgement and acceptance of the new terms.
