The "Forward Consultant" name is used by several different organizations globally. Based on your request, here are the terms and conditions for the most prominent entities using that name:

1. Forward Training and Consulting (Middle East / Global)

This entity operates forwardtraining.me. Their terms include:

• Age Requirement: Users must be at least 18 years old.
• Intellectual Property: All content, logos, and trademarks remain the sole property of Forward Training & Consulting FZE. Use of the site grants no license to reproduce these materials.
• Prohibited Uses: Users are forbidden from using the site for unlawful purposes, soliciting others for illegal acts, or violating international or local regulations.
• Warranties: Services are provided on an "as is" and "as available" basis. They expressly disclaim all warranties of merchantability or fitness for a particular purpose.

2. FAIS Forward Academy (South Africa)

Often associated with financial and insurance consulting (faisforwardacademy.co.za):

• Electronic Communication: By using the site, you agree to receive legal notices and agreements electronically.
• Content Restrictions: You may not copy, reverse engineer, or monetize any resources from the website without prior written permission.
• Fees & Cancellations: Payments are generally non-transferable. If a cancellation occurs after payment but before course access, a 50% cancellation fee typically applies.
• Liability: They disclaim liability for any interruptions to the website or for the quality of services meeting specific personal expectations.

3. Forward Moves (Australia)

A creative and business consulting firm (forwardmoves.com.au):

• Payment Terms: They require a 50% deposit before commencing creative services. Final payment must be received before the delivery of the final product.
• Refund Policy: Initial deposits are strictly non-refundable. Refund requests for final payments are assessed on a case-by-case basis but are generally not provided if you simply "change your mind."
• Turnaround Time: Estimates are provided but the firm is not liable for delays caused by the client failing to provide necessary information.

4. Business Forward (Oakland County, Michigan)

This is a government-backed program for small businesses. Their terms are governed by Oakland County’s general website policies:

• Public Resource: Many services (one-on-one consultations, workshops) are provided free of charge to eligible small business owners.
• Privacy: Data collected is subject to the Freedom of Information Act (FOIA) and local privacy regulations.