Terms & Conditions

1- Definitions

Company: K&A Financial & Administrative Consulting

Website: Kalhamzi.sa

Client: Any individual or entity using the website or services

Services: Financial, administrative, technical, investment and business consulting

2- Nature of Services

The Company provides consulting services only and does not guarantee:

Profits

Investment success

Financial outcomes

All decisions are the sole responsibility of the client.

3- Obligations

Company:

Provide professional services

Maintain confidentiality

Comply with Saudi laws

Client:

Provide accurate information

Pay agreed fees

Use services lawfully

4- Payments

Fees are agreed in advance

No refunds after service has started

The Company may suspend services for non-payment

5- Intellectual Property

All reports, content and materials remain the property of the Company.

6- Limitation of Liability

The Company shall not be liable for:

Financial losses

Investment decisions

Business outcomes

7- Termination

The Company may terminate services if these terms are violated.

8- Governing Law

These Terms are governed by the laws of Saudi Arabia.