Last updated: April 2026 — Derek Callahan, Afa Awa
By accessing, browsing, or using the website afa-awa.org, you acknowledge and agree to be bound by these Terms of Use, as well as any applicable laws and regulations. If you do not agree to these Terms of Use, you are prohibited from using or accessing this website.
The content provided on afa-awa.org is for informational purposes only and is not intended to be a substitute for professional advice. The website does not provide any financial, legal, or other professional advice. You should consult with a qualified professional before making any decisions based on the information presented on this website.
The owner and operator of afa-awa.org, Derek Callahan, and the website itself, shall not be held liable for any direct, indirect, or consequential damages arising from the use of this website or its content. The information provided is believed to be accurate and reliable, but no guarantee is made as to its completeness or timeliness.
You must be at least 18 years of age to access and use afa-awa.org. By using this website, you represent and warrant that you are of legal age to engage in the activities and services offered on the website.
All content, including but not limited to text, graphics, logos, images, and software, on afa-awa.org is the property of Derek Callahan or its content providers and is protected by copyright, trademark, and other intellectual property laws. You may not modify, copy, distribute, transmit, display, reproduce, or create derivative works from the website or its content without the prior written permission of Derek Callahan.
These Terms of Use and your use of afa-awa.org shall be governed by and construed in accordance with the laws of the jurisdiction in which Derek Callahan resides, without giving effect to any principles of conflicts of law.
The content on afa-awa.org is for informational purposes only and is not intended to be a substitute for professional financial, legal, or any other type of advice. The website and its owner, Derek Callahan, do not provide any financial, legal, or other professional services. Any decisions you make based on the information provided on this website are solely your responsibility.
The content on afa-awa.org is written and curated by Derek Callahan, who is the sole author and editor of the website's content.