Website Terms & Conditions
Last updated: 25 August 2026
Identity, scope and legal framework
These terms govern use of sfabcs.com and its public and protected features operated by SFA Consultants. They are interpreted under applicable Egyptian law, including the rules on electronic transactions, cybercrime, consumer protection, intellectual property, personal data and mandatory professional obligations, only to the extent each applies.
Acceptance and permitted use
By accessing the website you agree to these terms and to use it lawfully without disrupting, probing, copying, scraping, impersonating or attempting unauthorised access to the website, forms or records.
Eligibility and authority
You must have legal capacity and, when acting for a company or another person, actual authority to bind or represent that party. SFA may request identification, mandate, corporate documents, beneficial-owner information, source-of-funds information or other checks before accepting any request.
No engagement or professional advice
Browsing, using SFA Assist, downloading material, submitting a form or receiving an automated acknowledgement does not create a client relationship, acceptance of an engagement or a duty to advise. An engagement begins only after written acceptance, agreed scope, conflicts and client checks, responsibilities, fees and authorised confirmation.
Conflicts, acceptance and scope changes
SFA may decline or stop a request because of conflict, independence, competence, capacity, missing information, sanctions, compliance, safety, fees or professional requirements. No expansion or change of scope is effective unless accepted by an authorised representative in writing.
General content and calculators
Articles, alerts, laws links, exchange rates, templates and calculators are general or illustrative. They may not reflect the latest official text or your facts and must not replace specific accounting, audit, tax, legal, employment, investment or financial advice.
Official laws, news and exchange rates
Headlines, summaries and links are a discovery service, not an official legal archive. The issuing authority’s Arabic text, effective date, amendments and instructions prevail. Rates are indicative and the executing bank or licensed provider determines the actual rate, fees and availability.
SFA Assist and generated output
SFA Assist may search published content, suggest services, collect contact information and prepare a conversation summary. Its output may be incomplete or outdated and must not be treated as a legal opinion, filing instruction, deadline confirmation or guarantee. Human confirmation is required for professional action.
Requests, uploads and communications
You confirm that information submitted is accurate, lawful and that you are authorised to provide it. SFA may reject incomplete, unsafe, unlawful or out-of-scope requests and may remove files or restrict access to protect the website and other users.
User responsibility and deadlines
You remain responsible for timely, complete and accurate instructions, approvals, signatures, payments and documents. A website message or upload does not prove that SFA accepted a deadline. Government, court, bank and third-party processing times and decisions are outside SFA’s control.
Prohibited conduct
You must not upload malware or unlawful, defamatory, deceptive, infringing or unauthorised personal data; bypass access controls; harvest contacts; overload services; reverse engineer protected code; falsify records; use the site for spam, fraud or unlawful solicitation; or assist another person to do so.
Intellectual property and brand
The website, original content, forms, layout, code, reports, SFA name and marks are protected. No commercial copying, republication, framing, automated extraction, modification or misleading use is allowed without prior written permission. Official third-party marks and materials remain their owners’ property.
Limited website licence and user submissions
SFA grants a personal, revocable, non-exclusive licence to view and use the site for legitimate business enquiries. You retain ownership of lawful submissions and grant SFA only the rights reasonably required to host, review, reproduce, transmit and process them for the requested purpose, compliance, security and record keeping.
Confidentiality and unsolicited information
Do not assume that unsolicited information creates professional secrecy, privilege, exclusivity or a conflict restriction before an engagement is accepted. Personal data remains governed by the Privacy Policy, and accepted engagements remain governed by their written confidentiality and professional terms.
External sources and availability
Government, legal and technology links are supplied for convenience. Their content, availability and accuracy remain the responsibility of the issuing site. SFA may change, suspend or remove website features, content or access without guaranteeing uninterrupted operation.
Third-party platforms and credentials
Email, hosting, analytics, maps, social media, WhatsApp, payment, government portals and other third-party tools have separate terms and availability. You are responsible for your accounts and credentials. SFA is not liable for a third party’s independent act or outage except to the extent mandatory law provides otherwise.
Fees, proposals and taxes
Website content does not constitute a binding fee quotation. Fees, expenses, taxes, government payments, payment dates, refunds and deliverables are determined only by the relevant written proposal, engagement or invoice and mandatory law. Government payments are not SFA fees unless expressly stated.
Liability and indemnity
To the extent permitted by applicable law, SFA is not responsible for indirect loss, lost profit, business interruption, decisions based only on general content, or third-party services. Nothing excludes liability that law does not permit to be excluded. You remain responsible for your decisions, credentials, devices, lawful submissions and implementation.
Specific exclusions
Without limiting mandatory rights, SFA does not warrant rankings, leads, approvals, registrations, licences, tax outcomes, absence of penalties, funding, investment returns, uninterrupted access or acceptance by any authority. SFA is not responsible for consequences of concealment, delay, unauthorised instructions, changed law or facts, or failure to follow a written recommendation.
Indemnity for unlawful misuse
To the extent permitted by law, you will compensate SFA for direct losses, reasonable costs and third-party claims finally established to result from your unlawful misuse, infringement, malicious code, false authority or knowing submission of unlawful data. This does not remove any mandatory consumer right or excuse SFA’s own legally established responsibility.
Privacy, suspension and evidence
Use of personal information follows the Privacy Policy. SFA may suspend access where misuse, security risk or legal exposure is reasonably suspected. Electronic records, timestamps and system logs may be used to evidence submissions and website activity subject to law.
Security, suspension and termination
SFA may block an address, invalidate a session, quarantine a file, suspend an account or remove content where reasonably necessary for security, law, rights protection or service integrity. These measures do not oblige SFA to monitor every submission and do not waive other remedies.
Force majeure
SFA is not responsible for delay or failure caused by events beyond reasonable control, including government or court action, portal outage, telecommunications or power failure, cyber incident, epidemic, civil disruption or provider failure, while taking reasonable steps required by law and the engagement.
Notices and electronic records
Notices may be delivered using the contact details supplied. Electronic communications, accepted e-signatures, timestamps, audit trails and system records may be relied on subject to applicable Egyptian evidence and electronic-signature rules. You must keep contact details current.
Changes, severability, waiver and assignment
The published terms may be updated prospectively. If a provision is unenforceable, it is limited to the minimum necessary and the remainder continues. Delay in enforcement is not a waiver. You may not assign website rights without consent; SFA may transfer operation with appropriate protection and notice where required.
Governing law, language and disputes
Egyptian law governs. Competent Egyptian courts, including competent Cairo courts where venue may validly be agreed, have jurisdiction. Mandatory consumer, data or procedural rights are not waived. The Arabic text prevails if bilingual texts conflict, to the extent permitted by law.
Contact and complaints
Please send website, privacy or service complaints to info@sfabcs.com with enough detail for investigation. A complaint does not suspend a statutory, contractual, tax, court or government deadline unless confirmed in writing by the competent party.