Terms of Service

1. Acceptance of Terms

By accessing and using The SME CFO website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Services

The SME CFO provides professional financial services including but not limited to:

• Financial statement preparation and analysis
• Tax planning and compliance services
• Business performance reporting
• Financial advisory and consulting
• Investor readiness preparation
• Digital financial resources and templates

3. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your account credentials
• Use our services only for lawful purposes
• Comply with all applicable laws and regulations
• Not interfere with or disrupt our services

4. Payment Terms

5. Intellectual Property

All content, materials, and intellectual property on our website and in our services remain the property of The SME CFO. You may not reproduce, distribute, or create derivative works without our express written permission.

6. Confidentiality

We maintain strict confidentiality regarding all client information and business data. We will not disclose your confidential information to third parties without your consent, except as required by law.

7. Limitation of Liability

The SME CFO shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services.

8. Professional Standards

Our services are provided in accordance with generally accepted accounting principles and professional standards. However, you acknowledge that business and financial decisions remain your responsibility.

9. Termination

Either party may terminate the service agreement with appropriate notice as specified in your service contract. Upon termination, you remain responsible for all fees incurred up to the termination date.

10. Governing Law

These terms shall be governed by and construed in accordance with the laws of Nigeria. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of Nigerian courts.

11. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes via email or website notice. Continued use of our services constitutes acceptance of modified terms.

12. Contact Information

For questions regarding these Terms of Service, please contact us at: