What our advice is, and what it is not.

1. Nature of our services. The Practitioner provides management advice, counsel and assistance only, including on strategy, business planning, governance, organisation, brand and household finances. His brand and design work is advisory: he gives direction and recommendations, and does not produce design work. He does not prepare feasibility studies, valuations or investment studies as a general service. Any written report or model is provided only under a signed agreement that defines it. He does not issue accredited valuations of any business or asset, which only valuers accredited by the Saudi Authority for Accredited Valuers (TAQEEM) may issue. Decisions to adopt, implement or act on any advice rest solely with the client and its management and board.

2. No client relationship without an agreement. No advice, opinion, deliverable or communication binds the Practitioner, and no contractual obligation or liability for advice arises, except under a confirmed paid session (within its scope under the Booking & Engagement Terms) or a signed engagement letter, Master Services Agreement (MSA) or statement of work (SOW). Website content, presentations, introductory meetings, case interviews, proposals and free assessments are general information only. No advice, session or engagement creates any guarantee of result, funding promise, investment undertaking, or other financial or legal obligation of the Practitioner towards the client or any third party, beyond the services expressly agreed.

3. Not legal, tax, accounting or investment advice. Nothing we provide, under any agreement, constitutes:

• legal advice or legal representation, which may only be provided by lawyers licensed by the Ministry of Justice;

• tax, zakat or customs advice, or a ruling binding on the Zakat, Tax and Customs Authority;

• audit or accounting opinions, which may only be issued by accountants licensed by the Saudi Organization for Chartered and Professional Accountants (SOCPA);

• investment advice, securities recommendations or any securities business regulated by the Capital Market Authority;

• engineering, valuation, actuarial or medical opinions;

• financing, credit or insurance advice, financing or insurance brokerage, debt settlement or negotiation with creditors, or any activity supervised by the Saudi Central Bank (SAMA) or the Insurance Authority.

The Practitioner does not receive, hold or manage client money. Clients should obtain advice from licensed professionals in those fields before acting.

4. Figures, projections and business cases. Any figures, projections, forecasts, financial models or business cases that are discussed or prepared are illustrative estimates. They rest on assumptions, client-supplied information and market conditions at the date of preparation, any of which may change. They are not guarantees of revenue, profit, return, funding or valuation. Actual results may differ materially. The Practitioner does not audit or independently verify client-supplied data unless the SOW states so.

5. Growth outcomes and introductions. No advice or support guarantees business success, funding, investment, regulatory approval, market entry or any particular commercial outcome. The Practitioner does not arrange deals, raise funds, recommend securities or act as agent for any party, and charges no fee that is contingent on an investment, a financing or a securities transaction closing. Any introduction to investors, partners or authorities is made as a courtesy, without any representation about the third party and without any fee linked to an investment being made.

6. Corporate governance advisory. Governance frameworks, policies and board recommendations are designed to support compliance with applicable regulations, including the Companies Law. Responsibility for adoption, legal compliance and fiduciary decisions remains with the client’s board and management.

7. Reliance and third parties. Deliverables are prepared for the named client and the stated purpose only. No third party may rely on them, and the Practitioner owes no obligation to any third party, unless agreed in writing. Disclosure of a deliverable to a third party requires our prior written consent and does not create any right of reliance.

8. Use with lenders, investors and authorities. Unless the engagement letter or SOW states otherwise, no advice, business plan, financial model or other material is prepared for submission to a lender, investor, government body or court, and the Practitioner accepts no responsibility for its use for that purpose.

9. Information supplied by the client. Our work depends on the accuracy and completeness of information the client supplies. The Practitioner is not responsible for errors or losses arising from inaccurate, incomplete or withheld information.

10. Changes in law and circumstances. Recommendations reflect the laws, regulations and market conditions at the date they are given. We have no duty to update them for later changes unless agreed in writing. The Practitioner is not liable for delay or failure caused by events beyond his reasonable control, including force majeure.

11. Limitation of liability. To the maximum extent permitted by the laws of the Kingdom of Saudi Arabia, including the Civil Transactions Law: (a) the Practitioner is not liable for indirect or consequential loss, loss of profit, revenue, opportunity or goodwill; and (b) his total aggregate liability arising from any engagement is limited to the fees actually paid for the specific services giving rise to the claim during the twelve (12) months before the claim, unless the MSA sets a different cap. This limitation does not apply to fraud, gross negligence, liability for a harmful act, or any liability that cannot lawfully be limited (Article 173 of the Civil Transactions Law).

12. Intellectual property in methodologies. The Practitioner retains all rights in his pre-existing and independently developed methodologies, frameworks, tools, templates, models and know-how, including where they are used in client deliverables. The client’s rights in deliverables are set out in the MSA or SOW.

13. Precedence. Where the Website Documents conflict, they apply in this order: the signed agreement (MSA, engagement letter or SOW), the Booking & Engagement Terms, this Disclaimer, then the Terms of Use.

14. Governing law and language. This Disclaimer is governed by the laws of the Kingdom of Saudi Arabia, and the competent courts in Jeddah have jurisdiction over any dispute arising from it. It is issued in Arabic and English, and the Arabic text prevails in case of conflict.

Issued in Arabic and English. In case of conflict, the Arabic text prevails. النسخة العربية