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Terms of Service.

Effective 22 October 2026 · Last updated 22 October 2026

These terms explain how our website and strategy sessions work: what you pay, what you get, how rescheduling and refunds work, and what each of us is responsible for. Please read them before you book.

The short version

The strategy session is a 1-hour 1:1 with Nelson for US$97, paid when you book. The full US$97 is credited to your package if you go ahead within 60 days. You can reschedule or cancel for a full refund up to 24 hours before. We coordinate licensed professionals for tax, legal and financial product advice rather than giving it ourselves, and decisions by governments and banks are theirs to make.

1. About these terms

These terms are an agreement between you and Fulcrum Advisory FZE ("Fulcrum", "we", "us"), a company established in the Ajman Free Zone, United Arab Emirates, under licence number 47264, with its registered address at Office C1-1F-SF13223, Ajman Free Zone C1 Building, Ajman Free Zone, United Arab Emirates.

They apply when you use our website and when you book or attend a strategy session. Our Done-With-You and White-Glove packages are agreed in a separate written proposal or engagement letter. Where that document says something different from these terms, the proposal or engagement letter applies to that package.

By booking a session you confirm that you are at least 18 years old and that you accept these terms and our privacy policy. These terms are written in English. If we give you a translation, the English version applies if the two differ.

2. Our services

Fulcrum provides strategic advisory, business growth strategy, investment solutions and banking coordination, and coordinates relocation, residency, company setup and introductions for our clients in the UAE, Bali and other jurisdictions.

We do not provide tax, legal or regulated financial product advice. Where your plan needs it, that advice comes from licensed professionals in the relevant country, whom we can introduce and coordinate with. Any investment decision is yours, and you should take independent financial advice where appropriate.

3. The strategy session

  • A 1-hour 1:1 call with Nelson Ribeiro, by video or phone, in English or Portuguese.
  • We look at where you are now, where you could go, how to leave properly and what to do first.
  • You receive written next steps after the session, whether or not you continue with us.
  • The session is general strategic guidance based on what you tell us. It is not a substitute for tax, legal or financial product advice for your specific situation.

If you are more than 15 minutes late without telling us, we may treat the session as missed. If we start late, you still get the full hour or we rebook the rest.

4. Prices and payment

  • The strategy session costs US$97 and is paid in full when you book.
  • Card payments are processed by our payment provider. We never see or store your full card details.
  • Prices are shown in US dollars. Depending on the payment method, you may be charged the equivalent in UAE dirhams at the rate shown at checkout, and your bank may add its own conversion or international fees.
  • Package fees, payment schedules and accepted payment methods are set out in your proposal or engagement letter.
  • Third-party costs, such as government, visa, free zone, licence, bank, translation and legal fees, are separate from our fees unless your proposal says otherwise.

5. The US$97 credit

If you sign up for a Done-With-You or White-Glove package within 60 days of your strategy session, the full US$97 you paid for the session is deducted from your package fee. The credit applies once per client, cannot be exchanged for cash and cannot be transferred to another person.

6. Rescheduling, cancellation and refunds

  • Up to 24 hours before your session: you can reschedule for free, or cancel for a full refund.
  • Less than 24 hours before, or if you miss the session: the fee is not refundable, but tell us as early as you can and we will try to offer you one new time.
  • If we need to cancel or move your session: you choose a new time or a full refund.
  • To reschedule or cancel, message us on WhatsApp at +971 50 871 9210 or email fulcrumadvisoryfze@proton.me, or use the link in your booking confirmation.
  • Refunds go back to the original payment method, normally within 10 business days. Your bank may take longer to show it.

Consumers in the EU and UK: you may have a legal right to cancel a service bought online within 14 days. By booking a session that takes place within those 14 days, you ask us to provide it during that period. You can still cancel under the policy above, and once the session has been fully delivered, the legal right to cancel it ends.

Refunds for packages follow your proposal or engagement letter. Third-party costs that have already been paid on your behalf, such as government or free zone fees, usually cannot be recovered.

7. What we need from you

  • Accurate, complete and up-to-date information, and prompt notice if anything changes.
  • The identity, source-of-funds and other documents that authorities, banks and our licensed partners require, including for anti-money-laundering and know-your-customer checks.
  • Funds that come from lawful sources.
  • Responsibility for your own tax residency, tax filings and reporting obligations in every country that applies to you, with advice from licensed professionals.

We may decline to work with you, or stop work, if information you give us is false or incomplete, if you do not provide documents a process requires, or if we have reason to believe a request is unlawful. We may also be required by law to report certain matters to the authorities.

8. No guaranteed outcomes

Residency, visas, company licences, bank accounts, citizenship, driver's licences and financing are decided by governments, free zones, banks and other institutions, not by us. We cannot guarantee their decisions or how long they take. Timelines we give are estimates based on experience.

All investments, including property, carry risk, including the loss of some or all of your capital. Past performance and examples on our website, including our illustrative client journeys, are not a promise of future results.

9. Introductions to third parties

We may introduce you to licensed advisers, banks, private finance providers, corporate service providers, property brokers, developers and other specialists. They are independent businesses with their own terms, and they are responsible for their own services and advice. You decide whether to work with them.

If we receive a fee or commission from a third party connected with an introduction to you, we will tell you before you proceed.

10. Confidentiality

We keep your personal, financial and business information confidential and share it only as your matter requires and as our privacy policy describes. We never publish your name or story without your written consent.

11. Our content

The content of this website and the materials we prepare for you, including your written next steps, belong to Fulcrum. You may use them for your own personal planning. Please don't republish, sell or share them commercially without our permission.

12. Liability

We provide our services with reasonable care and skill. To the extent the law allows:

  • our total liability to you for a session or package is limited to the fees you paid us for it;
  • we are not liable for indirect or consequential losses, such as lost profits or opportunities;
  • we are not liable for the decisions of authorities, banks or other institutions, for the acts of independent third parties, or for losses on investments you choose to make.

Nothing in these terms limits liability that cannot be limited by law, such as liability for fraud, or removes rights you have under consumer protection laws that cannot be excluded, such as the Australian Consumer Law, UK consumer law or the laws of your country of residence in the EU.

13. Using this website

The information on this website is general and is not advice for your situation. We keep it accurate and up to date as far as we can, but laws, fees and processes change. Links to other websites, including WhatsApp and Instagram, are provided for convenience, and those websites have their own terms and privacy policies.

Please don't misuse the website, for example by trying to access it without permission, sending spam through our forms, or copying it in bulk.

14. Governing law and disputes

If something goes wrong, please contact us first so we can try to put it right quickly.

These terms are governed by the laws of the United Arab Emirates as applied in the Emirate of Ajman, and the courts of Ajman have jurisdiction over any dispute. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live, and you may be able to bring a claim in your local courts.

15. Changes to these terms

We may update these terms as our services or the law change. The version on this page when you book applies to that booking. We will post any new version here with a new "last updated" date.

16. Contact

  • Email: fulcrumadvisoryfze@proton.me
  • WhatsApp: +971 50 871 9210
  • Post: Fulcrum Advisory FZE, Office C1-1F-SF13223, Ajman Free Zone C1 Building, Ajman Free Zone, United Arab Emirates