AYESHA OFORI LTD
Terms & Conditions
Last updated May 2026
These Terms and Conditions govern your use of this website and any products or services offered by Ayesha Ofori Ltd. Please read them carefully. If you have questions, contact us at support@ayeshaofori.com.
Who We Are
This website and all products and services offered through it are operated by Ayesha Ofori Ltd, a company registered in England and Wales under company number 16714277, trading as Ayesha Ofori, Femme & Fortune and Wealth Circles.
Registered office: 71–75 Shelton Street, Covent Garden, London WC2H 9JQ, United Kingdom.
If you need to contact us: support@ayeshaofori.com.
These Terms are governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction, unless mandatory consumer law in your country of residence gives you additional rights.
| Part 1 Use of this website — applies to all visitors |
This part applies to anyone who visits ayeshaofori.com, browses our content, interacts with our website, or uses any feature of the site, regardless of whether you purchase a product or service.
1. Acceptance of Terms
By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use the website.
We may update these Terms from time to time. Continued use of the website after changes take effect constitutes acceptance of the updated Terms. The current version will always be available on this page.
2. Intellectual Property
All content on this website — including text, articles, newsletter content, podcast episodes, graphics, logos, images, videos, course materials and other materials — is owned by or licensed to Ayesha Ofori Ltd and is protected by copyright and other intellectual property laws.
You may read, share links to, and reference our content for personal, non-commercial purposes provided you credit the source. You must not:
- reproduce, republish or distribute substantial portions of our content without written permission
- sell, sublicense or commercially exploit any content from this website
- remove or alter any copyright, trademark or proprietary notices
- use our content in a way that misrepresents its origin or our views
To request permission to reproduce or use our content, contact us at support@ayeshaofori.com.
3. No Advice Disclaimer
Everything on this website — including articles, newsletter content, podcast episodes, social media content, videos, tools, templates and any other material — is provided for educational and informational purposes only.
Nothing on this website is, or should be relied on as:
- financial advice
- investment advice
- a personal recommendation
- legal, tax or accounting advice
- a suitability assessment
You are solely responsible for your own financial, investment and personal decisions. If you need advice tailored to your circumstances, you should consult a qualified professional adviser. Any action you take based on content found on this website is taken entirely at your own risk.
4. Third Party Links and Content
This website may contain links to third party websites, tools, platforms or services. These links are provided for information and convenience only. We are not responsible for the content, accuracy, availability or privacy practices of any third party website.
The inclusion of a link does not constitute an endorsement, recommendation or approval of the linked website or its content. Any use you make of third party websites is subject to their own terms and privacy policies.
5. Website Availability
We aim to make this website available at all times but we do not guarantee uninterrupted or error-free access. We may suspend, withdraw or restrict access to the website at any time for operational, technical or legal reasons without notice.
We are not liable for any loss or inconvenience caused by the unavailability of the website.
6. Acceptable Use
You must use this website lawfully and in accordance with these Terms. You must not:
- use the website for any unlawful or fraudulent purpose
- transmit any harmful, offensive, defamatory or disruptive content
- attempt to gain unauthorised access to any part of the website or its underlying systems
- upload or introduce malicious code, viruses or harmful software
- scrape, harvest or extract data from the website without our written permission
- use the website in a way that could damage, overburden or impair its operation
We reserve the right to restrict or terminate your access to the website if you breach these Terms.
7. Cookies and Privacy
Our use of cookies and your personal data is governed by our Privacy Policy, which is available at the footer of this website. By using this website, you acknowledge that your data will be handled in accordance with that policy.
| Part 2 Membership and programme terms — applies to all paid products |
This part applies to anyone who purchases any paid product or service from Ayesha Ofori Ltd, including Wealth Circles and any future membership or programme we offer. Part 3 contains additional terms specific to the Wealth Circles programme.
8. Definitions
In these Terms, the following words have the meanings set out below:
“Content” means all materials made available through our products, including videos, written materials, guides, templates, workbooks, recordings, slides, resources, graphics, downloads, emails and other educational or informational content.
“Member” means a person who has purchased or been granted access to any paid product or service offered by Ayesha Ofori Ltd.
“Membership” means your paid subscription or other paid access arrangement.
“Membership Period” means the period during which your Membership is active.
“Platform” means the website, member portal, app, third party platform, online workspace or other digital environment through which our products are delivered.
“Services” means any paid product, programme, membership, community, content or related features we provide.
“Programme” means any structured cohort-based programme offered by us, involving a fixed schedule of sessions, materials and deliverables over a defined period.
“Cohort” means a fixed group of Members enrolled to participate together in a Programme during the same programme period.
9. Nature of the Services
Our products and services are educational and informational in nature. They may include access to a private member community, digital educational content, live and recorded sessions, guest speaker events, Q&A sessions, templates, workbooks, email communications and networking opportunities.
We may add, remove, update or modify any part of the Services at any time, provided this does not materially reduce the overall service you have paid for without good reason.
None of our products or services constitute a regulated investment service. We do not provide execution, custody, arranging, brokerage or investment platform services.
10. No Financial Advice
Our products and services are provided for educational and informational purposes only. We do not provide financial advice, investment advice, legal advice, tax advice, personal recommendations or suitability assessments through any product, service, session, content, community discussion, email or communication.
You are solely responsible for your own financial, investment and personal decisions. Any action you take based on information provided through our services is taken entirely at your own risk. If you need advice tailored to your circumstances, you should consult a qualified professional adviser.
11. Eligibility
To purchase and use our products, you must be at least 18 years old, have capacity to enter into a legally binding contract, use our services in your personal capacity unless we agree otherwise in writing, and provide accurate and complete information when requested.
We reserve the right to refuse or cancel Membership if we reasonably believe you do not meet these requirements.
12. Your Membership
Your Membership is personal to you. You must not share your Membership with anyone else, allow another person to access the Services through your account, transfer your Membership to another person, resell access to any of our products, or use our products for unauthorised commercial purposes.
Your Membership gives you access only for the Membership Period and only to the level of access associated with the product you purchased. Different products may have different features, durations and pricing, which will be set out at the point of purchase.
13. Payments, Renewals and Billing
Membership fees must be paid in advance. The applicable fees and billing terms will be shown to you before purchase.
Where your Membership renews automatically, by purchasing you authorise us and our payment providers to take recurring payments using your chosen payment method unless and until you cancel. It is your responsibility to keep your payment details accurate and up to date.
If a payment fails, we may retry the payment, suspend your access, cancel your Membership, or require payment before restoring access.
We may change our pricing from time to time and will give you reasonable notice before any new pricing takes effect for your renewal. Unless stated otherwise, all prices are shown inclusive or exclusive of VAT as specified at the point of purchase.
14. Cancellation by You
You may cancel your Membership at any time. If your Membership is a recurring subscription, cancellation stops future renewals only and does not entitle you to a refund for the current Membership Period unless required by law.
You must cancel before your renewal date if you do not want your Membership to renew. Where a Membership is sold as a fixed-term programme, cohort or one-off package, it cannot be cancelled partway through for a partial refund unless required by law or unless we state otherwise in writing.
15. Refunds
All fees paid for a Membership or Programme are non-refundable, except in the following circumstances:
- the Programme does not proceed and you have elected to receive a refund in accordance with clause 24 (Cohort Viability and Start Dates); or
- you cancel within the 14-day cooling-off period in accordance with clause 16 and are entitled to a refund under applicable consumer law.
No refund will be given in any other circumstances, including where you choose not to attend or participate, where you fail to complete required steps, where you cancel or withdraw partway through, where you are dissatisfied with the programme in a way that does not amount to a failure to deliver stated deliverables, or where changes are made to programme structure in accordance with clause 23.
16. Cooling-Off Rights
If you are a consumer purchasing online, you have a legal right to cancel within 14 days of purchase under the Consumer Contracts Regulations 2013.
Where we offer a Programme, we structure the delivery of deliverables to preserve your cooling-off rights in full during this period. No personalised or substantive programme content will be delivered during the 14-day cooling-off window unless otherwise stated at the point of purchase. Full details of what will and will not be delivered during the cooling-off period are set out in the product-specific terms in Part 3.
If you wish to cancel during the 14-day period, please email support@ayeshaofori.com. Provided no substantive deliverables have been provided, you will be entitled to a full refund.
Nothing in this clause affects any rights you have under consumer law that cannot legally be excluded.
17. Suspension and Termination by Us
We may suspend or terminate your access immediately, with or without notice, if we reasonably believe you have breached these Terms, failed to make payment, shared your account access, behaved in a way that harms or threatens other members or our team, misused the Platform or Community, infringed our intellectual property, acted unlawfully or abusively, or if your continued access could damage our reputation or Community.
Where appropriate we may warn you first, but are not obliged to. If we terminate your Membership due to your breach, you will not be entitled to a refund.
We may also discontinue any product or service for operational, commercial or legal reasons and will provide reasonable notice where possible.
18. Community Rules and Conduct
Our community spaces are intended to be constructive, respectful and supportive. You agree not to bully, harass, intimidate or abuse any person; post defamatory, offensive, discriminatory or harmful material; share another member’s confidential information without permission; make misleading or deceptive statements; promote scams or harmful financial behaviour; spam or advertise without our permission; impersonate another person; or disrupt events, discussions or community spaces.
We reserve the right to remove content, restrict participation or terminate access where these standards are not met. No refunds will be given where termination is due to your conduct.
19. Live Sessions, Events and Recordings
We may offer live or recorded sessions, workshops, webinars, community calls, guest expert events or similar activities. We reserve the right to change event dates or times, substitute speakers, change event format, or cancel or rearrange sessions where reasonably necessary.
Some sessions may be recorded. By attending a live session, you acknowledge that your name, image, voice, comments or contributions may appear in recordings. We may use recordings for member access, operational purposes, quality assurance, training and, where appropriate, marketing and promotional purposes. If you do not want to appear in a recording, keep your camera off and avoid making verbal contributions.
20. Intellectual Property in Products
All intellectual property rights in our products and Content are owned by us or licensed to us. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Content for your own personal, non-commercial use during your Membership Period.
You must not copy, reproduce or republish Content; distribute or share Content with non-members; sell, sublicense or commercially exploit Content; modify or create derivative works; remove copyright notices; or record, reproduce or redistribute live sessions or community materials without our prior written consent. Breach of this clause may result in immediate termination of your access.
21. Third Party Platforms
We may use third party tools, platforms and service providers to deliver our products, including payment processors, video platforms and community platforms. We are not responsible for the content, availability or acts of third party providers. Any use you make of third party services is subject to their own terms and privacy policies.
22. Account Security
You are responsible for maintaining the confidentiality of your login details and for all activity that takes place under your account. Keep your credentials secure, do not share your password, and notify us promptly at support@ayeshaofori.com if you suspect unauthorised access.
| Part 3Wealth Circles — additional terms for programme members |
This part applies specifically to members of the Wealth Circles programme. Parts 1 and 2 also apply in full. Where there is any conflict between Part 3 and Parts 1 or 2, Part 3 takes precedence in relation to the Wealth Circles programme.
23. Programme Structure and Content Flexibility
The structure, topics, session content, format, timing and delivery method of the Wealth Circles programme may be adapted from time to time. This may include changes to weekly session themes, session order, materials, guest speakers or delivery format.
Where we make material changes to programme structure or content, we will notify participants in advance where reasonably practicable. Minor adjustments that do not substantially alter the overall programme experience will not require notice.
Such adaptations do not constitute a breach of these Terms and do not entitle you to a refund, unless the Programme is cancelled entirely in accordance with clause 24.
24. Cohort Viability and Start Dates
The Wealth Circles programme is subject to a minimum number of participants being reached, as determined by us at our reasonable discretion. This minimum threshold requirement will be disclosed to you before you complete your purchase. We will notify you by the confirmation date stated at the point of purchase or in your welcome communication whether the Programme will proceed.
If we determine that a Programme will not proceed on its planned start date, we will notify you as soon as reasonably practicable and will either provide you with a confirmed alternative start date for the next available Cohort, or offer you a full refund of the fees paid for that Programme.
A refund under this clause is your sole remedy where a Programme does not proceed. No further compensation, damages or liability shall arise from a delay or cancellation of a start date.
Where a Programme is delayed rather than cancelled, your place will be held for the rescheduled Cohort and all other Terms will continue to apply. If you do not wish to transfer to the rescheduled Cohort, you may request a full refund within 14 days of being notified of the delay.
25. Programme Deliverables
The Wealth Circles programme includes the following deliverables: a Wealth Profile questionnaire; personalised voice note feedback; six live weekly sessions of approximately 90 minutes each; one small group session; access to a private community WhatsApp group; a structured workbook and associated frameworks; and access to the Wealth Room for one month following the programme.
Deliverables will be provided in the following sequence: (a) your Wealth Profile questionnaire will be sent to you within 48 hours of payment being received; (b) access to the private community WhatsApp group will be granted from the confirmed programme start date, or after 14 days from the date of payment, whichever is earlier; (c) your personalised voice note feedback will be provided after both the 14-day cooling-off period has elapsed and the Programme start date has been confirmed. We will not deliver the voice note during the 14-day cancellation window.
Timescales given for deliverables are targets and not guaranteed. Where a deliverable is subject to your prior action (such as completing your Wealth Profile), our obligation to provide that deliverable is conditional on you having completed the required action. We accept no liability for delay caused by your failure to provide information or complete required steps.
We reserve the right to adapt, substitute or reschedule individual deliverables where reasonably necessary for operational, technical or other legitimate reasons. Where any such change materially affects the Programme, we will notify you accordingly.
26. Cooling-Off Rights (Wealth Circles)
In addition to the general cooling-off rights in clause 16, the following applies specifically to Wealth Circles members.
During the 14-day cooling-off period: you will receive only your Wealth Profile questionnaire, which is a preparatory step and does not constitute commencement of the Programme; no personalised voice note feedback will be delivered; access to the private community WhatsApp group will not be granted unless the Programme start date falls within that window; and no live sessions or other substantive Programme content will be delivered.
If you wish to cancel during the 14-day cooling-off period, email support@ayeshaofori.com. Provided you have not received substantive Programme deliverables beyond the Wealth Profile questionnaire, you will be entitled to a full refund.
By completing your purchase, you will be asked to confirm the following at the point of payment: “I understand that Wealth Circles will send me a Wealth Profile questionnaire within 48 hours of payment. I acknowledge that personalised feedback, community access and live sessions will not begin until after my 14-day cancellation period has elapsed and the programme start has been confirmed. I understand I may cancel within 14 days for a full refund by emailing support@ayeshaofori.com.”
27. Confidentiality and Community
The Wealth Circles community, including the WhatsApp group and live sessions, is a trusted and confidential space. You agree not to disclose, share or reproduce the personal financial information, stories or contributions of other members outside the community without their explicit permission.
We cannot guarantee that all members will preserve confidentiality and you should use care when deciding what personal information to share.
28. Data and the Wealth Profile
By completing the Wealth Profile, you consent to us using your responses to personalise your programme experience and to create your voice note feedback. We also use anonymised and aggregated Wealth Profile data to build insights into how high-earning women in the UK approach wealth building and investing. No individual will be identifiable in any aggregated dataset. You may opt out of research use at any time by contacting support@ayeshaofori.com without affecting your programme participation. Full details are set out in our Privacy Policy.
The following clauses apply to all users of this website and all members of any Wealth Circles product.
29. Disclaimers
Our website, products and Content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we make no guarantees, warranties or representations about the accuracy or completeness of any Content, the uninterrupted availability of any service, the results you may achieve, or the suitability of any product for your particular circumstances.
We make no guarantee that participation in any programme will lead to any particular financial result, investment outcome, business success or personal outcome.
30. Limitation of Liability
Nothing in these Terms excludes or limits our liability where it would be unlawful to do so, including liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.
Subject to the above, we shall not be liable for any indirect or consequential loss, loss of profit, revenue, opportunity, business, anticipated savings, goodwill or data; losses arising from decisions you make based on our content or services; losses caused by third parties; or losses caused by technical failures outside our reasonable control.
Subject to the above and to the fullest extent permitted by law, our total liability to you shall not exceed the total amount you have paid to us in the 12 months immediately preceding the event giving rise to the claim.
31. Indemnity
You agree to indemnify and keep us indemnified against any claims, losses, liabilities, damages, costs and expenses, including reasonable legal costs, arising from your breach of these Terms, your misuse of our services, your infringement of any third party rights, or your unlawful or improper conduct. This clause applies only to the extent permitted by law.
32. Force Majeure
We will not be responsible for any delay, interruption or failure to perform our obligations where this results from circumstances beyond our reasonable control, including internet failure, platform outage, supplier failure, labour dispute, acts of government, natural events, epidemic, pandemic or other force majeure events.
33. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will provide reasonable notice by email or through the relevant platform. Continued use of the website or any product after updated Terms take effect constitutes acceptance. If you do not agree to the changes, you must stop using the relevant product or service and cancel your Membership before the changes take effect.
34. Entire Agreement
These Terms, together with any policy or terms expressly referred to within them, form the entire agreement between you and us and supersede any previous discussions, understandings or agreements.
35. Severability
If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision shall be severed and the remaining provisions shall continue in full force and effect.
36. Waiver
If we delay in enforcing any right under these Terms, that delay will not prevent us from enforcing that or any other right later.
37. Assignment
You may not transfer or assign your rights or obligations under these Terms without our prior written consent. We may transfer or assign our rights and obligations where reasonably necessary for business, operational or legal reasons.
38. Complaints
If you are unhappy with any of our products or services, please contact us at support@ayeshaofori.com. We will investigate and respond within a reasonable time.
39. Contact
For all queries relating to these Terms, please contact: support@ayeshaofori.com
Ayesha Ofori Ltd, 71–75 Shelton Street, Covent Garden, London WC2H 9JQ.
Ayesha Ofori Ltd · Registered in England and Wales · Company No. 16714277