Legal

Terms of Use

Last updated: 12 October 2026

By using this website you agree to these terms. "I", "me" and "my" mean Tomiwa Orunnipin, who runs this website.

Education, not financial advice

Everything on this website, including videos, guides, the Freedom Quotient test, calculators and emails, is for education only. It is not financial, investment, tax or legal advice, and it does not consider your personal situation. Investing involves risk, including the loss of money you invest. Past returns and dividends do not guarantee future results. Speak to a licensed adviser before making financial decisions.

Calculators and the Freedom Quotient test

The calculators give estimates based on the numbers you enter and simple assumptions. Real returns, rates, fees and taxes will differ. The Freedom Quotient test is a self-reflection tool, not a professional assessment.

Affiliate and referral links

Some links to investment apps and services are affiliate or referral links. If you sign up through them, I may earn a commission or reward at no extra cost to you. I only recommend tools I use myself, but you are responsible for checking whether a product is right for you.

Your use of the site

Please do not misuse the website, try to break its security or copy its content for commercial use without my written permission.

My content

The text, videos, designs, the Freedom Quotient test and the names of my programmes belong to me. You may share links and short quotes with credit to Tomiwa Orunnipin.

Other websites

This site links to websites I do not control, including YouTube, my community platform and investment apps. I am not responsible for their content, products or policies.

No guarantees

I work to keep the information accurate and up to date, but I provide the website "as is" and cannot guarantee it is complete, current or free of errors.

Limitation of liability

To the extent the law allows, I am not liable for any loss or damage arising from your use of this website or reliance on its content, including investment losses.

Paid programmes

Courses, bootcamps and memberships have their own terms, which are shown when you join.

Governing law

These terms are governed by the laws of the Federal Republic of Nigeria.

Changes

I may update these terms. The date at the top shows the latest version.

Contact

Questions? Reply to any Freedom Letter email or message me on X at @tomiwa_freedom.