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Terms & Conditions

Website: [www.abenafletcher.com] (the “Website”)
Owner: Abena Fletcher (“we,” “our,” “us”)

Please read these Terms and Conditions (“Terms”) carefully before using our Website or engaging with any of our services. By accessing this Website, booking a session, subscribing to our content, or otherwise interacting with Abena Fletcher, you agree to be legally bound by the following terms and conditions. If you do not agree, do not use this Website or our services.

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1. Who We Are

Abena Fletcher is a wealth advisor, mentor, and life coach providing guidance, strategic advisory, and personal development support to ultra high-net-worth individuals (UHNWIs). Services may include—but are not limited to—financial education, life and executive coaching, mindset optimization, legacy planning support, and business mentorship.

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2. Eligibility

By using this Website, you confirm that you are:

  • At least 18 years old.

  • Legally capable of entering into binding contracts.

  • Accessing the Website and our services in compliance with local laws.

Our services are designed specifically for ultra high-net-worth individuals. We reserve the right to deny or terminate services if we believe a user does not meet this demographic profile.

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3. No Financial, Legal, or Tax Advice

All content on this Website and any advice provided by Abena Fletcher or her associates is for informational and educational purposes only and does not constitute financial, investment, legal, or tax advice. You should consult with a licensed professional advisor, CPA, or attorney before making any financial or legal decisions.

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4. Client-Advisor Relationship

Engaging with Abena Fletcher through this Website, email, or social media does not create a formal advisor-client relationship unless expressly agreed upon through a written contract. All coaching or advisory relationships will be governed by separate client agreements.

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5. Confidentiality

We uphold the utmost confidentiality in all private communications. However, we cannot guarantee the security of information transmitted electronically. Any sensitive data shared online is at your own risk.

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6. Intellectual Property

All Website content—including text, graphics, logos, videos, articles, and course material—is the exclusive property of Abena Fletcher or its content providers and is protected under intellectual property laws.

You may not reproduce, modify, distribute, or use any of our content for commercial purposes without express written permission.

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7. User Conduct

You agree not to:

  • Use this Website for unlawful purposes.

  • Misrepresent your identity or financial status.

  • Harass or threaten any staff or other clients.

  • Introduce viruses or malicious code to our Website.

Any breach may result in immediate termination of access and services.

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8. Booking, Fees & Payments

Service offerings, session bookings, and program fees are listed on the Website or communicated privately. All fees are non-refundable unless otherwise specified in a written agreement. Payment is due before services are rendered unless alternate arrangements are agreed upon.

We reserve the right to change prices and cancel or reschedule sessions at our discretion.

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9. Results Disclaimer

We do not guarantee specific outcomes. Your results from coaching or mentorship depend on your personal effort, discipline, and circumstances. Testimonials on the Website reflect individual experiences and should not be interpreted as typical or promised results.

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10. Third-Party Links

This Website may include links to third-party websites. We are not responsible for the accuracy, privacy practices, or content of external sites and linking to them does not imply endorsement.

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11. Limitation of Liability

To the fullest extent permitted by law, Abena Fletcher shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of the Website or services.

In no event shall our total liability exceed the amount paid by you for the services in the 6 months preceding the claim.

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12. Indemnification

You agree to indemnify and hold harmless Abena Fletcher, her affiliates, agents, and employees from any claims, liabilities, or damages arising from your use of the Website, services, or breach of these Terms.

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13. Privacy Policy

Our Privacy Policy governs how we collect, use, and protect your personal information. By using the Website, you agree to our Privacy Policy.

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14. Governing Law & Jurisdiction

These Terms are governed by the laws of the State of MD, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the courts located in MD.

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15. Amendments

We reserve the right to update or modify these Terms at any time without notice. Continued use of the Website after changes indicates acceptance of the revised Terms.

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16. Contact Us

For questions or concerns about these Terms, please contact:

Abena Fletcher
Email: abena@abenafletcher.com
Mailing Address: 8894 Stanford Blvd, Columbia, MD 21045

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