1. Introduction
These Terms and Conditions ("Agreement") govern the provision of ESG (Environmental, Social, and Governance) and banking consulting services ("Services") provided by Mohammed Dohadwala (Mo) ("Consultant," "I," "me," or "my") to the client ("Client," "you," or "your"). By engaging my Services, you agree to be bound by these Terms and Conditions.

2. Nature of Relationship
2.1. Contractor Status
I am engaged as an independent contractor. Nothing in this Agreement shall be construed as creating an employer-employee relationship, partnership, or joint venture between the parties.

2.2. Non-Exclusivity
I may provide services to other clients, provided such engagements do not conflict with the obligations under this Agreement.

3. Services
3.1. Scope
I will provide ESG and banking consulting services as agreed upon in writing between us.
3.2. Delivery
Services will be delivered in a professional manner, consistent with industry standards.

4. Fees and Payment
4.1. Fees
Fees for Services will be as agreed upon in writing between us.
4.2. Invoicing
I will invoice you as per the agreed schedule.
4.3. Payment Terms
Invoices are due within 7 days of receipt.

5. Confidentiality
Both parties agree to maintain the confidentiality of any proprietary or sensitive information shared during the course of the engagement.

6. Intellectual Property
6.1. Pre-existing IP
Any pre-existing intellectual property remains the property of its original owner.
6.2. New IP
Any new intellectual property created specifically for you as part of the Services will be assigned to you upon full payment of all outstanding invoices.

7. Limitation of Liability
7.1. Liability Limit
My liability is limited to the fees paid for the Services.
7.2. Indirect Damages
I am not liable for any indirect, consequential, or special damages.

8. Important Disclaimers
8.1. Not a Financial Advisor
I, Mohammed Dohadwala, am not a licensed financial advisor under Australian regulations. The Services provided do not constitute financial advice as defined by Australian law.
8.2. No Regulatory Liability
I carry no liability under any Australian financial regulations. You are advised to seek licensed financial advice for matters requiring regulated financial services.
8.3. Information Only
All information, analyses, and recommendations provided as part of the Services are for informational purposes only and should not be construed as financial advice.

9. Client Responsibilities
9.1. Decision Making
You are responsible for making your own decisions based on the information provided.
9.2. Independent Advice
You should seek independent, licensed financial advice before making any financial or investment decisions.

10. Termination
10.1. Notice
Either party may terminate this Agreement with 7 days' written notice.
10.2. Payment
You are responsible for payment of all Services rendered up to the date of termination.

11. Governing Law
This Agreement is governed by the laws of [Australian State/Territory].

12. Amendments
Any amendments to this Agreement must be made in writing and agreed upon by both parties.
By engaging my Services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.

Last updated: September 9, 2024