Terms of Use

By accessing or using the Steven Philips & Associates Limited website, you agree to these Terms of Use. If you do not agree, please discontinue use of the website.

You agree to use this website lawfully and respectfully, and not to attempt to disrupt its operation, gain unauthorized access to its systems, or submit false, misleading, or abusive information through its forms.

The content of this website is provided for general information only. It does not constitute professional, financial, tax, legal, or management advice, and it should not be relied upon as a substitute for tailored advisory engagement. Formal advice is provided only through a signed engagement with the firm.

All content on this website — including text, design, graphics, and the firm's name and marks — belongs to Steven Philips & Associates Limited or its licensors and may not be reproduced without prior written permission.

To the fullest extent permitted by law, Steven Philips & Associates Limited accepts no liability for any loss or damage arising from the use of, or reliance on, this website or its content.

This website may reference external websites or services. We are not responsible for the content or practices of third-party sites.

These Terms are governed by the laws of the Federal Republic of Nigeria.

We may update these Terms of Use from time to time. Continued use of the website after changes are published constitutes acceptance of the revised Terms.

Questions about these Terms may be directed to stephen.irebia@spalconsult.com.