Website terms
Information, not engagement advice
Last updated 28 September 2026
General information
This website and the RJ & Lizzy Risk Navigator provide general information about risk management, financial accounting, Basel frameworks and our services. Nothing on the site is legal, regulatory, accounting, tax or investment advice.
No professional relationship
Using the website, calling us, sending a WhatsApp message or using the Risk Navigator does not create a client, adviser or fiduciary relationship. A professional engagement begins only when both parties execute written terms defining scope, responsibilities, fees, confidentiality and reliance.
Markets and investment boundary
Our markets, treasury and investment-risk services concern institutional risk analytics, governance, controls and reporting. We do not provide trading signals, personalised investment recommendations, trade execution, brokerage, portfolio management or arrangements to buy or sell investments through this website.
Regulatory information
Regulation depends on jurisdiction, institution, permissions and effective date. Users must verify requirements against current primary sources and obtain appropriately qualified advice. We do not warrant that general educational content is complete or suitable for a specific decision.
Confidentiality
Do not submit confidential, proprietary, personal or security-sensitive information through the public chatbot, phone or WhatsApp. Use an agreed secure channel after engagement acceptance.
Specialist network
Services outside the founders’ verified core expertise may be delivered through appropriately qualified specialists. Availability and accountability will be confirmed in writing before an engagement.
Intellectual property and availability
RJ website content may not be reproduced commercially without permission. We may update, suspend or withdraw website features without notice.
These terms require legal review. The legal entity, registered address, governing law and liability provisions must be completed.