Terms & Conditions

Last Updated: January 19, 2026

Welcome to Wisdom Consultancy. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing our website or using our services, you agree to be bound by these Terms. Please read them carefully.

1. Acceptance of Terms

By accessing and using the Wisdom Consultancy website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, you must not use our services.

These Terms apply to all visitors, users, and others who access or use our services, including but not limited to our consultancy services in education, finance, career development, and family relations.

2. Description of Services

Wisdom Consultancy provides professional consultancy services in the following areas:

• Education Counselling: Career and education path planning, higher education guidance, skill development, and entrepreneurship advice
• Finance Counselling: Budgeting, investment planning, debt management, tax planning, and financial goal setting
• Career Counselling:Career discussions, assessments, skill development roadmaps, and job readiness support
• Family Relation Management: Family dynamics support, communication techniques, conflict resolution, and emotional healing

Our services are provided for informational and advisory purposes only and do not constitute professional legal, financial, medical, or therapeutic advice unless explicitly stated otherwise.

3. User Responsibilities

As a user of our services, you agree to:

• Provide accurate, current, and complete information when requested
• Maintain the confidentiality of any account credentials
• Use our services only for lawful purposes
• Respect the intellectual property rights of Wisdom Consultancy and third parties
• Not engage in any activity that could harm or disrupt our services
• Comply with all applicable laws and regulations

Prohibited Activities

You may not:

• Use our services for any illegal or unauthorized purpose
• Transmit viruses, malware, or other harmful code
• Attempt to gain unauthorized access to our systems
• Harass, abuse, or harm other users or our staff
• Impersonate any person or entity
• Collect or harvest personal information from other users

4. Appointment and Consultation Terms

Scheduling and Cancellation

• Appointments must be scheduled in advance through our website or by contacting us directly
• Cancellations must be made at least 24 hours in advance to avoid charges
• No-shows may be subject to full consultation fees
• We reserve the right to reschedule appointments due to unforeseen circumstances

Consultation Conduct

• All consultations are confidential and professional
• Clients are expected to participate actively and honestly
• Recording of sessions is prohibited without explicit written consent
• Disruptive or inappropriate behavior may result in termination of services

5. Payment Terms

• Payment is due at the time of service unless other arrangements have been made
• We accept various payment methods including credit cards, bank transfers, and digital payments
• All fees are non-refundable unless otherwise specified in writing
• Prices are subject to change with 30 days' notice
• Late payment fees may apply for overdue accounts

6. Confidentiality and Privacy

We are committed to maintaining the confidentiality of all client information shared during consultations. However, confidentiality may be limited in the following situations:

• When required by law or court order
• When there is imminent danger to yourself or others
• When child abuse or elder abuse is suspected
• With your written consent for specific purposes

7. Intellectual Property Rights

All content on our website and materials provided during consultations, including but not limited to text, graphics, logos, images, audio clips, and software, are the property of Wisdom Consultancy or its licensors and are protected by copyright, trademark, and other intellectual property laws.

• You may not reproduce, distribute, or create derivative works without permission
• Limited use is granted for personal, non-commercial purposes only
• Any unauthorized use may result in legal action
• Trademarks and service marks remain the property of their respective owners

8. Disclaimers and Limitations of Liability

Service Disclaimers

Our services are provided "as is" and "as available." We make no warranties, express or implied, regarding:

• The accuracy, completeness, or reliability of our advice
• The suitability of our services for your specific needs
• Guaranteed outcomes or results from our consultations
• Uninterrupted or error-free service delivery

Limitation of Liability

To the fullest extent permitted by law, Wisdom Consultancy shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our services.

9. Indemnification

You agree to indemnify, defend, and hold harmless Wisdom Consultancy, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of our services or violation of these Terms.

10. Termination

Either party may terminate the service relationship at any time with or without cause. We reserve the right to:

• Suspend or terminate your access to our services
• Remove any content you have submitted
• Take legal action if you violate these Terms
• Refuse service to anyone at our sole discretion

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of our services shall be resolved through:

• Good faith negotiation between the parties
• Mediation, if negotiation fails
• Binding arbitration as a final resort
• Jurisdiction in the courts of [Your Location] for any legal proceedings

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

14. Contact Information

If you have any questions about these Terms and Conditions, please contact us: