Terms and Conditions
Last Updated: 5 August 2026
1. Agreement to These Terms
These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“you,” “the Client,” “the User”) and M&M Finance Advisory (“Company,” “we,” “us,” “our”), governing your access to and use of the website at www.mmfinanceadvisory.com (“Website”) and your purchase or use of any Services made available through the Website, through freelance platforms, or through a direct engagement (collectively, “Services”).
By accessing this Website, using any of our Services, or engaging us through a proposal, contract, or platform booking, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated into these Terms by reference.
1.1 Eligibility
By using this Website, you represent and warrant that you are at least 18 years of age, you have the legal capacity to enter into this agreement, and if acting on behalf of a business entity, you have the authority to bind that entity to these Terms.
2. About Us
M&M Finance Advisory is a professional financial services practice providing financial modeling, valuation, bookkeeping, tax advisory, virtual CFO support, and related analytical services.
Operated by: Muhammad Mudassir Naveed (Mudassir Malik) and Abdul Mateen
Website: www.mmfinanceadvisory.com
Contact Email: mudassir@mmfinanceadvisory.com
We operate globally and serve clients in the United States, United Kingdom, United Arab Emirates, Canada, Austria, and internationally.
3. Our Services
3.1 Description of Services
We offer the following categories of services:
- Financial Modeling: 3-statement models, DCF and scenario analysis, and other models built to support fundraising, planning, or transactions.
- Business Valuation: valuations using DCF, comparable company analysis, and precedent transaction methods.
- Investor Pitch Decks: preparation of fundraising materials communicating business strategy, traction, and financials.
- Bookkeeping and Financial Reporting: monthly bookkeeping, bank reconciliation, financial statement preparation, and management reporting.
- UK Accounting and Tax Support, and UAE Tax Advisory: preparatory and advisory support for accounting and tax compliance (see Section 3.3 on the scope and limits of this support).
- QuickBooks and Xero Setup: cloud accounting software setup and optimisation.
- Equity Research and Portfolio Monitoring: informational analysis of holdings and market data (see Section 3.4 on the limits of this service).
- Excel Dashboards and Data Automation, Virtual CFO Support, Payroll Processing Support, and Budgeting and Financial Planning: as described on our Website.
3.2 Project Agreements
Specific deliverables, timelines, payment schedules, and scope for an engagement will be set out in a separate written proposal, milestone agreement, or contract (“Project Agreement”). Any Project Agreement is incorporated into and supplements these Terms. In the event of a direct conflict, the Project Agreement prevails for that specific engagement.
3.3 Professional Qualifications and Licensing Disclaimer
Our team includes ACCA qualified members, ACCA affiliates, ACCA finalists, FMVA-certified professionals, and holders of a UAE Corporate Tax and VAT diploma. Our services are advisory and preparatory in nature. ACCA qualification, affiliate status, finalist status, or the UAE Corporate Tax and VAT diploma alone does not constitute a license to perform statutory audits, sign statutory accounts, or act as a registered tax agent. None of our team members currently hold a separate UK practicing certificate or UAE Federal Tax Authority registered tax agent status.
Where local law requires a licensed or registered professional to file, certify, or sign a document, including UK statutory accounts filed with Companies House or UAE Corporate Tax and VAT filings requiring a Federal Tax Authority registered tax agent, you are responsible for engaging and obtaining sign-off from an appropriately licensed professional in that jurisdiction. We can prepare the underlying work to make that process faster and more accurate, but we do not act as your statutory auditor, registered tax agent, or attorney of record unless separately and explicitly agreed in writing.
3.4 No Guaranteed Financial or Investment Outcomes
We provide our Services with reasonable professional skill and care. We do not warrant or guarantee specific business outcomes, investment returns, or financial results. Any equity research, portfolio monitoring, financial model, or valuation we provide is for informational and decision-support purposes only. It does not constitute investment advice, a recommendation to buy or sell any security, legal advice, or a guarantee of any financial outcome.
Past performance referenced in any report is not indicative of future results. You remain solely responsible for your own investment, business, and financial decisions. We are not a registered investment advisor, broker-dealer, or fiduciary, and no advisory or fiduciary relationship is created by these Terms unless separately agreed in writing.
3.5 Client Due Diligence and Anti-Money Laundering Cooperation
Because we provide financial advisory, bookkeeping, and investment-related analytical services, we may, particularly for engagements involving equity research, portfolio monitoring, or higher-value financial modeling work, request basic identity verification information from you as a matter of good professional practice, consistent with client due diligence principles under UK Money Laundering Regulations and equivalent standards recognised internationally. You agree to provide this information promptly where reasonably requested. We are not a bank, regulated financial institution, or reporting entity under these regulations, and this request is made to meet the professional conduct standards our team follows, not a regulatory reporting obligation on our part.
4. Intellectual Property Rights
4.1 Our Intellectual Property
All content, templates, dashboards, frameworks, and methodologies created by or owned by M&M Finance Advisory and displayed on this Website or delivered as part of our Services (“Our Materials”) are protected by copyright and other applicable intellectual property laws. Unless expressly stated otherwise, all rights in Our Materials are reserved.
4.2 Custom Work Deliverables
For custom engagements, unless expressly agreed otherwise in writing:
- Upon receipt of full payment of all agreed fees, ownership of the specific custom deliverables created exclusively for you transfers to you.
- We retain ownership of, and a licence to reuse, our own pre-existing frameworks, templates, methodologies, and generic tools developed in the course of providing Services, and may reuse these in other client engagements without restriction.
- We may reference your engagement as a general case study in our portfolio or marketing materials without disclosing confidential figures or your identity, unless you request in writing that we not do so.
4.3 Your Content
You retain full ownership of all data, financial records, and materials you provide to us to perform the Services (“Your Content”). By providing Your Content, you grant us a limited, non-exclusive licence to use it solely to deliver the agreed Services. You represent and warrant that you have the right to provide Your Content to us and that it does not infringe any third-party rights or violate applicable law.
5. Fees, Payment, and Refunds
5.1 Pricing
Fees are as set out in the relevant Project Agreement, invoice, or platform listing at the time of engagement. Unless otherwise stated, prices are exclusive of applicable taxes. We reserve the right to adjust pricing at any time; changes will not affect Services already engaged under a signed Project Agreement.
5.2 Payment Terms
- Milestone-based projects: a deposit is typically required before work commences on a given milestone, with the balance due upon delivery of that milestone.
- Retainer services (such as monthly bookkeeping): billed on the agreed recurring cycle, in advance unless otherwise agreed.
- Invoices: payment is due within the number of days stated on the invoice, typically 14 days, unless otherwise agreed in writing.
5.3 Late Payment
We reserve the right to pause ongoing work if payment is overdue, and may apply the maximum interest rate permitted by applicable law on overdue invoices.
5.4 Taxes
You are solely responsible for all taxes, duties, or withholdings applicable to your engagement in your jurisdiction.
5.5 Refund and Cancellation Policy
Milestone-based engagements: fees paid for a completed and delivered milestone are non-refundable. If cancelled before a milestone is delivered, any deposit paid toward that milestone, minus the value of work already completed as assessed in good faith, may be refunded at our discretion.
Retainer or subscription services: fees already paid for the current billing cycle are non-refundable once work has begun for that cycle. Cancellation takes effect at the end of the current billing cycle.
Revisions: each engagement includes an agreed number of revision rounds specified in the proposal or Project Agreement. Revisions beyond agreed scope may incur additional fees.
If you are unsatisfied with our Services, contact us at mudassir@mmfinanceadvisory.com within 7 days of delivery so we can address it directly before any escalation through a platform dispute process.
6. Client Responsibilities and Acceptable Use
6.1 Accurate Information
You agree to provide accurate, complete, and current information and data. We are not responsible for errors, delays, or inaccurate outputs caused by incomplete, outdated, or incorrect information you provide.
6.2 Cooperation
You agree to provide timely feedback, approvals, and access reasonably necessary for us to perform the Services. Delays caused by your failure to cooperate may result in timeline extensions or additional costs, for which we are not liable.
6.3 Third-Party Platform Access
Where our Services require access to your accounts on third-party platforms (such as QuickBooks, Xero, or bank feeds), you are responsible for ensuring such access is lawfully provided, maintaining the security of access credentials, and ensuring you have the right to grant us access. We are not liable for consequences arising from third-party platform restrictions, outages, or policy changes.
6.4 Acceptable Use of This Website
You agree not to use this Website or our Services to violate any applicable law, infringe third-party rights, transmit malware or spam, attempt unauthorised access to our systems, or engage in conduct that is fraudulent, deceptive, or harmful.
7. Confidentiality
Either party may disclose non-public, proprietary, or confidential information to the other in the course of the engagement, including business strategies, financial data, and client information (“Confidential Information”). Both parties agree to hold Confidential Information in strict confidence, not disclose it to any third party without prior written consent, and use it solely to perform obligations under the engagement. This obligation survives termination of these Terms by three years, except for trade secrets, which are protected indefinitely.
Confidential Information does not include information that is or becomes publicly available through no breach of this agreement, was already known to the receiving party, is independently developed without reference to the Confidential Information, or is required to be disclosed by law.
7.1 Handling of Financial and Personal Data
Where our Services involve handling sensitive financial or personal data on your behalf, we apply the safeguards described in our Privacy Policy, including limiting access to those directly working on your engagement and using reasonable technical and organisational security measures. You acknowledge that this Section does not constitute legal advice, and you remain responsible for your own compliance with data protection laws applicable to your business, such as UK GDPR, CCPA, or the UAE PDPL.
7.2 Professional Confidentiality Standards
Beyond the contractual confidentiality obligations in this Section 7, our ACCA qualified members, ACCA affiliates, and ACCA finalists also follow the confidentiality principle set out in the ACCA Code of Ethics and Conduct, which requires that client information acquired in the course of professional work not be disclosed to third parties without proper authority, and not be used for personal advantage or the advantage of any third party. This professional obligation applies in addition to, and does not replace, the contractual confidentiality terms above.
8. Disclaimer of Warranties
To the fullest extent permitted by applicable law, this Website and all Services are provided on an “as is” and “as available” basis, without warranty of any kind. We disclaim all implied warranties, including merchantability, satisfactory quality, and fitness for a particular purpose, and any warranty regarding the accuracy or completeness of results obtained from our Services.
Nothing in these Terms excludes any warranty or liability that cannot be lawfully excluded. UK consumers’ statutory rights under the Consumer Rights Act 2015 are not affected. Where consumer protection laws in your state or country prohibit disclaimer of certain warranties, those warranties are preserved.
9. Limitation of Liability
9.1 Exclusion of Consequential Loss
To the fullest extent permitted by applicable law, we are not liable for indirect, incidental, consequential, or special damages, including loss of profits, revenue, business opportunities, or investment losses, arising from use of our Services or deliverables, regardless of whether the claim is based in contract, tort, or any other theory of liability.
9.2 Cap on Liability
Our total aggregate liability to you for all claims arising from these Terms or the Services shall not exceed the greater of: (a) for one-off or milestone-based engagements, the total fees you paid for the specific engagement giving rise to the claim; (b) for retainer engagements, the total fees paid in the three months immediately preceding the event giving rise to the claim; or (c) 500 USD. The parties may agree a different cap in a signed Project Agreement, which prevails for that engagement.
9.3 Non-Excludable Liability
Nothing in these Terms limits or excludes liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any liability that cannot be excluded under applicable law.
10. Indemnification
You agree to indemnify and hold harmless M&M Finance Advisory, its owners, and contractors from claims, liabilities, and expenses arising from your breach of these Terms, your violation of applicable law or third-party rights, Your Content, or your use of the Services in a manner not authorised by us.
11. Third-Party Services, Links, and Platforms
11.1 Third-Party Links and Platform Dependencies
This Website may contain links to third-party websites or platforms. We do not endorse or take responsibility for their content or privacy practices. Our Services often involve reliance on third-party platforms and tools, including QuickBooks, Xero, Microsoft Excel, and Anthropic’s Claude. We are not responsible for changes, outages, or policy updates by those providers that affect the delivery of our Services. Where such changes materially affect a deliverable, we will notify you and discuss remedial options, which may involve additional fees.
11.2 Affiliate Links and Software Referral Disclosure
From time to time, we may recommend third-party accounting or financial software (such as QuickBooks or Xero) as part of our advisory work, including through an affiliate or referral arrangement where we may receive a commission if you sign up through our link, at no additional cost to you. Any such material connection will be clearly disclosed near the relevant recommendation. Our recommendations are based on genuine professional judgement about what best fits your needs and are not influenced by the presence of a referral arrangement.
12. Modifications to the Website and Services
We reserve the right at any time to modify, suspend, or discontinue this Website or any Service. For paid ongoing engagements, we will give reasonable notice of any discontinuation that materially affects Services you have paid for and will issue a pro-rated refund for unused prepaid fees.
13. Changes to These Terms
We may update these Terms at any time. Material changes will be reflected by an updated “Last Updated” date, and we will take reasonable steps to notify you. Continued use of the Website or Services after revised Terms are posted constitutes acceptance.
14. Termination
14.1 Termination by You
You may stop using our Services at any time. For ongoing engagements, termination procedures and notice periods are as specified in the relevant Project Agreement, typically 14 to 30 days written notice.
14.2 Termination by Us
We may suspend or terminate an engagement if we reasonably believe you have violated these Terms, violated applicable law, or failed to pay fees when due, subject to any cure period specified in the Project Agreement.
14.3 Effect of Termination
Upon termination, any unpaid fees remain due and payable, and you remain responsible for payment for work completed to the termination date. Sections 3 (Nature of Our Services, including the licensing and no-guaranteed-outcomes disclaimers), 4 (Intellectual Property), 7 (Confidentiality), 8 (Disclaimer of Warranties), 9 (Limitation of Liability), 10 (Indemnification), 16 (Governing Law), and 17 (Dispute Resolution) survive termination.
15. Force Majeure
Neither party is liable for delay or failure in performance caused by circumstances beyond that party’s reasonable control, including natural disasters, war, pandemic, government actions, internet or telecommunications outages, or failures of third-party platforms. The affected party will notify the other as soon as practicable. If a force majeure event continues beyond 60 days, either party may terminate the affected engagement with a pro-rated refund of prepaid fees for work not completed.
16. Governing Law
These Terms and any dispute arising from them shall be governed as follows:
- For clients in the United Kingdom: the laws of England and Wales.
- For clients in the United States: the laws of the state in which the client resides or has its principal place of business, without regard to conflict of law principles.
- For clients in the United Arab Emirates: the laws of the United Arab Emirates.
- For all other clients, including those in Pakistan, Canada, and Austria: the laws of Pakistan, being the jurisdiction from which M&M Finance Advisory currently operates, unless otherwise agreed in a signed Project Agreement.
Nothing in this Section prevents either party from seeking emergency injunctive relief in a court of competent jurisdiction.
17. Dispute Resolution
17.1 Informal Resolution
We prefer to resolve disputes amicably. If you have a complaint, contact us first at mudassir@mmfinanceadvisory.com with a description of the issue. We will make every reasonable effort to resolve the matter within 30 days.
17.2 UK Consumers
If a dispute cannot be resolved through direct negotiation, UK consumers may use an approved Alternative Dispute Resolution scheme or seek redress through the courts of England and Wales. Your statutory rights as a UK consumer are not affected by these Terms.
17.3 Other Clients
For clients outside the UK, unresolved disputes will be handled in the courts of the jurisdiction identified in Section 16 for that client, unless the parties agree in writing to an alternative dispute resolution mechanism such as arbitration.
18. Severability
If any provision of these Terms is found unlawful or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions continue in full force.
19. Waiver
Our failure to exercise or enforce any right or provision of these Terms does not constitute a waiver of that right. A waiver of any particular breach does not constitute a waiver of any subsequent breach.
20. Entire Agreement
These Terms, together with our Privacy Policy and any applicable Project Agreement, constitute the entire agreement between you and M&M Finance Advisory regarding their subject matter, and supersede all prior negotiations or agreements relating to that subject matter. No variation is effective unless agreed in writing.
21. No Partnership or Agency
Nothing in these Terms creates a partnership, joint venture, employment relationship, or agency between you and M&M Finance Advisory. Neither party has authority to bind the other.
22. Assignment
We may assign our rights and obligations under these Terms to a successor entity in the event of a restructuring, provided your rights are not materially diminished. You may not assign your rights or obligations without our prior written consent.
23. Notices
Notices under these Terms shall be sent by email, to mudassir@mmfinanceadvisory.com for notices to us, and to the email address you provided for notices to you. Notices are deemed received on the next business day after sending, provided no delivery error is received.
24. Contact Information
For any questions, concerns, or notices under these Terms, contact us at mudassir@mmfinanceadvisory.com or via www.mmfinanceadvisory.com/contact.