Terms of use.
Last updated: 18 October 2026.
Content and resources
The articles, checklists and assessment are for information and education. They do not replace a review of your circumstances or individual accounting, legal, tax or financial advice.
Service enquiries
Sending a message does not constitute a service agreement or create an obligation to pay. The scope, deadlines, fees and terms of any service are agreed in a specific proposal.
Paid spreadsheets
Spreadsheet prices are shown in meticais (MT). Sending a purchase order is not a payment and does not complete the sale: Ivone will contact you to confirm your details, the payment method and delivery. The spreadsheet is sent once payment has been confirmed.
Each spreadsheet is intended for use in the purchaser’s own business. It may not be resold, shared publicly or distributed as your own product.
Using the materials
You may use and adapt the free resources to organise your own activities. Any public reproduction of the text must respect authorship and must not suggest a partnership or endorsement that does not exist.
References and photographs
Stock photographs illustrate work-related themes and do not depict Ivone, her team or her clients. See the credits for photographers and sources.
External links
Third-party pages have their own content, terms and policies. Their content may change independently of this website.
Contact
For further information: consultoria@ivoneabacar.com.