Terms of Service

Last updated: June 10, 2026

These Terms of Service ("Terms") govern your use of the website and the consulting services provided by AtoZ Research and Consulting ("we," "us," or "our"). By accessing this website or booking our services, you agree to these Terms.

1. Services

AtoZ Research and Consulting provides independent research, analysis, and advisory services on an hourly basis. The specific scope of any engagement is agreed between you and us prior to work beginning. We do not guarantee any particular outcome, result, or return; our services are advisory and informational in nature.

2. Booking and Hourly Rate

Consulting services are billed at a rate of $200 per hour. When you book hours through this website, the total shown reflects the number of hours selected multiplied by the hourly rate. All amounts are in U.S. dollars.

3. Scheduling

After a booking is placed, we will coordinate with you by email or phone to schedule your consulting time. Booked hours are intended to be used for the engagement described at the time of booking.

4. Client Responsibilities

You agree to provide accurate information and to cooperate reasonably so that we can perform the services. You are responsible for any decisions you make based on our research or advice. Our deliverables are provided for your own use and should not be relied upon as legal, financial, medical, or other professional advice unless expressly stated.

5. Payment

Payment is due as described at checkout. We reserve the right to decline or cancel a booking. If a payment cannot be processed, the booking will not be confirmed.

6. Cancellations and Refunds

Cancellations and refunds are handled in accordance with our Refund Policy, which is incorporated into these Terms by reference.

7. Intellectual Property

Unless otherwise agreed in writing, deliverables we create specifically for you may be used by you for your own purposes. The contents of this website, including text, design, and graphics, remain the property of AtoZ Research and Consulting.

8. Limitation of Liability

To the fullest extent permitted by law, AtoZ Research and Consulting shall not be liable for any indirect, incidental, or consequential damages arising from your use of the website or services. Our total liability for any claim shall not exceed the amount you paid for the relevant engagement.

9. Confidentiality

We treat non-public information you share with us in the course of an engagement as confidential and will not disclose it except as necessary to provide the services or as required by law.

10. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision. Continued use of the website or services after changes are posted constitutes acceptance of the updated Terms.

11. Contact

Questions about these Terms may be directed to: