DISCLAIMER, TERMS OF USE & LEGAL NOTICE

Reform Global Advisory Group Ltd.

Contact: consultant@reformglobaladvisory.com | reformglobaladvisory@gmail.com

Effective date: July 8, 2026

Last updated: July 15, 2026

1. Acceptance of Terms

By accessing, browsing, viewing, assessing, interacting with, submitting information to, downloading from, sharing, or otherwise using this website, our social-media accounts, our communications, our content, or our services (collectively, the “Channels”), you acknowledge that you have read, understood, and agree to be bound by this Disclaimer, Terms of Use and Legal Notice.

Your use of the Channels confirms your agreement that the information provided is subject to these terms. If you do not agree with any part of these terms, do not use, rely on, share, access, or engage with the Channels or our services.

These terms apply to all information and material made available by Reform Global Advisory Group Ltd., whether provided through this website, email, text message, video, presentation, downloadable material, event, online meeting, social-media platform, advertising, publication, or any other channel.

2. Company Information and Brand Continuity

Reform Global Advisory Group Ltd. (“Reform,” the “Company,” “we,” “us,” or “our”) is a company incorporated and operating in British Columbia, Canada.

Reform Global Advisory Group Ltd. continues the Reform Global Advisory Group brand in Canada under the leadership of the same founder team that previously developed and operated the brand through a Hong Kong company of the same name (the “Hong Kong Entity”). The British Columbia company and the Hong Kong Entity are separate legal entities.

As part of an internal corporate reorganization and the continued development of the Reform brand in Canada, certain brand assets, intellectual property, website materials, business content, and related goodwill have been, or will be, assigned to the Company under written agreements.

The Hong Kong Entity is expected to complete an orderly voluntary deregistration process by the end of 2026. This administrative process does not affect the Company’s ongoing operation of the Reform Global Advisory Group brand, website, services, programs, or business activities in British Columbia, Canada.

Unless expressly stated in a written agreement signed by the Company, Reform Global Advisory Group Ltd. does not assume or accept responsibility for the debts, contracts, commitments, or liabilities of the Hong Kong Entity.

References on the Channels to experience, projects, content, case studies, testimonials, or activities developed before the Company’s incorporation may reflect the experience of the founder team or the Hong Kong Entity. Such references are provided to describe the background and continuity of the Reform brand and do not represent that the British Columbia company itself was incorporated, registered, or operating in Hong Kong.

As of the Effective Date above, British Columbia, Canada is the Company’s sole registered and operating jurisdiction. BC Registry Services administers the legal framework for starting and operating businesses in the province.

3. Nature of Our Services

Reform provides general business advisory, business coaching, leadership development, brand and strategic guidance, organizational support, education, facilitation, and related business-support services.

Our services may include guidance related to business direction, leadership, operations, communication, brand positioning, business development, decision-making, personal and professional growth, and related areas within our business niches.

All services and content are general in nature and are intended to support your own assessment, learning, planning, and decision-making. You remain solely responsible for your decisions, actions, implementation, outcomes, and compliance obligations.

4. No Licensed or Regulated Services

Unless expressly stated otherwise in a separate written agreement, Reform does not provide any service that requires a professional licence, registration, certification, statutory authorization, or regulated professional designation.

Reform is not a law firm, accounting firm, audit firm, tax firm, financial-planning firm, investment dealer, securities adviser, insurance agency, medical practice, psychological practice, therapy practice, immigration consultancy, engineering firm, architecture firm, real-estate brokerage, or other regulated professional practice.

We do not provide:

Legal advice, legal representation, or legal services
Accounting, audit, bookkeeping, tax, or tax-planning advice
Investment, securities, financial-planning, lending, insurance, or financial advice
Medical, health, psychological, therapeutic, counselling, or mental-health advice
Immigration, employment-law, regulatory-compliance, engineering, architectural, real-estate, or other regulated professional advice
Any advice or service that must legally be delivered by a licensed, registered, certified, or otherwise authorized professional

Nothing in the Channels or our services creates a professional-client, fiduciary, legal, medical, accounting, financial, therapeutic, or other regulated-professional relationship.

5. No Professional Advice

All content, communications, materials, recommendations, observations, coaching, referrals, and information made available by Reform are provided for general informational and educational purposes only.

They are not professional advice and must not be used as a substitute for advice, assessment, representation, treatment, certification, service, or opinion from a qualified professional licensed or authorized in the relevant industry, profession, function, regulatory area, or jurisdiction.

Before acting on information obtained through the Channels or our services, you should seek independent advice from an appropriately qualified and licensed professional. This is particularly important for decisions involving legal matters, finances, taxes, investments, insurance, employment, health, immigration, regulatory compliance, contracts, corporate structure, or other matters with legal or professional consequences.

6. Independent Professionals and Referrals

Where appropriate, Reform may refer you to, share information with, collaborate with, affiliate with, co-work alongside, or introduce you to independent professionals, service providers, organizations, or firms, including regulated or licensed professionals.

Any third party is independent of Reform unless a written agreement expressly states otherwise. Each third party is solely responsible for its own qualifications, licensing, advice, services, conduct, fees, agreements, confidentiality practices, regulatory obligations, and work product.

A referral, introduction, collaboration, affiliation, co-working relationship, mention, link, recommendation, or appearance on the Channels does not mean that Reform:

Endorses, supervises, controls, guarantees, or warrants the third party
Provides the third party’s regulated or licensed services
Assumes liability for the third party’s advice, services, conduct, omissions, fees, or outcomes
Creates a partnership, employment, agency, fiduciary, joint venture, or legal relationship between Reform and the third party

You are responsible for conducting your own due diligence before engaging any third party.

7. No Warranties or Guarantees

To the fullest extent permitted by applicable law, the Channels, content, and services are provided on an “as is” and “as available” basis.

Reform makes no representation, warranty, undertaking, promise, or guarantee—express, implied, statutory, or otherwise—regarding:

The accuracy, completeness, reliability, relevance, timeliness, availability, or suitability of any content or information
The results, performance, benefits, profitability, growth, compliance, or outcome of any action you take
The availability, security, continuity, or error-free operation of the website or other Channels
The quality, suitability, legality, reliability, or outcome of any third-party service, referral, link, or resource
That content will be current, error-free, uninterrupted, secure, or free of harmful components

Any examples, testimonials, case studies, opinions, illustrations, strategies, statements, or results mentioned through the Channels are illustrative only. Past results do not guarantee or predict future results.

8. Your Responsibility and Assumption of Risk

You use the Channels and services voluntarily and at your own risk.

You acknowledge that business, leadership, branding, strategic, operational, and personal-development decisions involve uncertainty and risk. Reform cannot control your circumstances, decisions, implementation, market conditions, third-party conduct, legal requirements, financial position, or other factors affecting outcomes.

You are solely responsible for evaluating the suitability, accuracy, completeness, and usefulness of any information, service, recommendation, referral, or content before relying on it.

To the fullest extent permitted by law, you agree not to bring a claim against Reform solely because you relied on general information, opinions, educational content, or business-support material available through the Channels.

9. Liability of the Company Only

To the fullest extent permitted by applicable law, any claim relating to the Channels, content, communications, or services of Reform must be made, if at all, against Reform Global Advisory Group Ltd. only.

No founder, founding member, shareholder, director, officer, employee, contractor, advisor, coach, consultant, facilitator, collaborator, affiliate, referral partner, representative, contributor, guest, person named or mentioned in the Channels, or other person associated with Reform or the Hong Kong Entity will have personal liability merely because they are connected with, featured in, quoted by, mentioned by, employed by, contracted by, or otherwise associated with the Company or the Hong Kong Entity.

To the fullest extent permitted by law, Reform will not be liable for any direct, indirect, incidental, special, consequential, exemplary, punitive, commercial, financial, reputational, data-related, or other loss, damage, cost, expense, claim, or liability arising from or connected with:

Your access to, use of, inability to use, or reliance on the Channels
Any information, content, communication, recommendation, or material provided by Reform
Any decision, action, omission, transaction, implementation, or outcome based on the Channels or services
A third-party website, platform, product, service, referral, resource, professional, or organization
Errors, omissions, interruptions, delays, security issues, viruses, technical failures, or unavailability of the Channels
Any loss of profit, revenue, business opportunity, goodwill, data, reputation, or anticipated result

Nothing in these terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

10. No Client Relationship Until Written Agreement

Accessing the website, following our social-media accounts, sending an enquiry, booking a call, attending an event, receiving a response, or communicating with Reform does not create a client relationship, advisory relationship, fiduciary relationship, partnership, agency relationship, or professional relationship.

A formal service relationship begins only when Reform and the client enter into a separate written agreement signed or otherwise expressly accepted by both parties. That agreement will govern the specific scope of work, fees, deliverables, responsibilities, confidentiality obligations, limitations, and other terms applicable to that engagement.

If there is a conflict between this Disclaimer and a separately signed written agreement, the signed written agreement governs only for the services specifically covered by it.

11. Intellectual Property

All content made available by or for Reform, including the names “Reform Global Advisory Group” and “Reform X,” logos, brand elements, frameworks, methods, templates, programs, website content, video content, written materials, graphics, and other original materials, is owned by, licensed to, or otherwise lawfully used by Reform Global Advisory Group Ltd.

Certain intellectual-property rights, brand assets, website materials, and related goodwill may have been developed by the founder team or the Hong Kong Entity and assigned, licensed, or otherwise made available to the Company as part of the Company’s Canadian business operations and internal corporate reorganization.

You may view the Company’s content for your personal, non-commercial information purposes only.

Without Reform’s prior written permission, you must not copy, reproduce, republish, modify, adapt, translate, distribute, sell, license, display, transmit, create derivative works from, reverse engineer, remove attribution from, or commercially exploit any Reform or Reform X intellectual property.

No right, title, or interest in any Reform intellectual property is granted to you except for a limited, revocable, non-exclusive, non-transferable right to view the Channels for personal and non-commercial informational purposes.

12. Third-Party Links and Content

The Channels may contain links to third-party websites, platforms, resources, products, services, content, or organizations. These links are provided for convenience and informational purposes only.

Reform does not control, endorse, verify, guarantee, or assume responsibility for any third-party content, accuracy, availability, privacy practice, security, product, service, advice, conduct, transaction, or outcome.

Your use of third-party websites and services is subject to their own terms, policies, and practices. You access them at your own risk.

13. Prohibited Use

You must not use the Channels in a way that is unlawful, harmful, fraudulent, misleading, abusive, defamatory, infringing, disruptive, or inconsistent with these terms.

You must not:

Misrepresent your identity, authority, affiliation, or purpose
Attempt to gain unauthorized access to the website, systems, accounts, or data
Interfere with the website’s security, functionality, performance, or availability
Copy or use Reform or Reform X intellectual property without written permission
Use the Channels to distribute spam, malware, harmful code, or unlawful content
Impersonate Reform, its personnel, partners, affiliates, or representatives
Use content from the Channels to provide competing, misleading, unlawful, or unauthorized services

14. Privacy

Any personal information collected through the website, enquiries, services, communications, or other Channels will be handled in accordance with our Privacy Policy.

As a private-sector organization operating in British Columbia, Reform is primarily governed by British Columbia’s Personal Information Protection Act (PIPA), which requires consent for the collection, use, and disclosure of personal information and gives individuals rights of access and correction, overseen by the Office of the Information and Privacy Commissioner for BC. Canada’s federal law, PIPEDA, may apply supplementally where personal information is involved in interprovincial or international transactions.

If you previously provided personal information to the Hong Kong Entity, you acknowledge that this information may have been transferred to the Company as part of an internal business reorganization described in Section 2, and will be handled going forward under the Company’s Privacy Policy and PIPA.

By providing personal information to Reform, you acknowledge that it may be collected, used, retained, and disclosed as described in our Privacy Policy and as reasonably necessary to respond to enquiries, provide requested services, maintain business records, comply with legal obligations, and protect the Company’s rights and operations.

For privacy questions, requests, or concerns, contact: consultant@reformglobaladvisory.com or reformglobaladvisory@gmail.com.

15. Changes to These Terms

Reform may revise, update, replace, or remove any part of this Disclaimer, Terms of Use and Legal Notice at any time without prior notice.

The updated version will be posted on this website with a revised “Last updated” date. Your continued access to or use of the Channels after changes are posted constitutes acceptance of the updated terms.

16. Governing Law

These terms and any matter arising from or relating to the Channels or services are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable in British Columbia.

Any dispute will be subject to the jurisdiction of the courts of British Columbia, Canada, except where applicable law requires otherwise.

17. Severability

If any provision of these terms is found to be invalid, illegal, unenforceable, or prohibited by applicable law, that provision will be interpreted or limited only to the extent necessary. The remaining provisions will continue in full force and effect.

18. Contact

Reform Global Advisory Group Ltd.

British Columbia, Canada

Email: consultant@reformglobaladvisory.com

Alternative email: reformglobaladvisory@gmail.com

Website: www.reformglobaladvisory.com