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The difference between a customer and a client can be rather confusing, and even controversial. The most commonly accepted and basic description of the difference is that a customer purchases goods or services from a business whereas a client receives services from a professional such as a lawyer or accountant.
The client is a member of the certificant's immediate family, or b. The client is an institution in the business of lending money and the borrowing is unrelated to the professional services performed by the certificant. The loaning of money by a client to a certificant is strictly prohibited.