Terms of Service

Last updated: April 2026

Note: These terms govern use of the 28CFO website (www.28cfo.com) and apply to website visitors. Specific service engagements (retainer, advisory, project) are governed by separate written agreements signed between 28CFO and each client. Digital product purchases are governed by the terms presented at point of purchase.

1. About this website

This website is operated by Matteo de Padova, trading as 28CFO. Our registered contact address is available on request via matteo@28cfo.com. By accessing and using this website, you accept these Terms of Service.

2. Website use

You may use this website for lawful purposes and in accordance with these terms. You agree not to:

Use the website in any way that violates applicable local, national, or international law or regulation
Transmit any unsolicited or unauthorised advertising or promotional material
Attempt to gain unauthorised access to any part of the website or its infrastructure
Reproduce, duplicate, or copy content from this website without express written permission

3. Intellectual property

All content on this website — including text, graphics, logos, and page layouts — is the intellectual property of 28CFO or its licensor(s) and is protected by applicable copyright and intellectual property law. You may not reproduce, distribute, or create derivative works from this content without prior written consent.

4. Information and advice

The content on this website is provided for general information and marketing purposes only. It does not constitute financial, legal, tax, or professional advice. No reliance should be placed on the information on this website as a substitute for professional advice specific to your circumstances.

Formal advisory, retainer, and project engagements are governed by separate signed engagement letters and are the only contexts in which 28CFO provides specific advice or recommendations.

5. Digital products

Free digital products (such as the Financial Health Scorecard) are provided "as is" with no warranty of fitness for a particular purpose. Paid digital products are subject to the specific terms presented at purchase.

6. External links

This website may contain links to third-party websites. These links are provided for your convenience. 28CFO has no control over the content of those sites and accepts no responsibility for their content or any loss or damage arising from your use of them.

7. Limitation of liability

To the fullest extent permitted by applicable law, 28CFO excludes all representations, warranties, and guarantees in relation to this website and its content. 28CFO will not be liable for any loss or damage — direct, indirect, or consequential — arising from your use of or reliance on this website.

8. Privacy and cookies

Your use of this website is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these terms by reference.

9. Changes to these terms

28CFO reserves the right to update these terms at any time. The updated date at the top of this page indicates when changes were last made. Continued use of the website after any changes constitutes your acceptance of the revised terms.

10. Governing law

These terms are governed by and construed in accordance with the laws of the jurisdiction in which 28CFO is registered. Any disputes relating to these terms or the use of this website shall be subject to the exclusive jurisdiction of the courts of that jurisdiction.

11. Contact

For any questions about these terms: matteo@28cfo.com