Disclaimer

In short. Everything on this site is general information, not advice on your situation. Our engagement work is professional advisory work — it is not a statutory audit, legal advice or investment advice, and it comes with no guarantee of a commercial outcome. Get specific advice before you act.

1. General information only

1.1 No advice through the website

The content published on arthamfintech.com, including service descriptions, articles, illustrative scenarios, checklists and downloadable material, is provided for general information. It does not take account of your objectives, financial position, regulatory environment or particular circumstances, and it does not constitute professional advice on which you should act.

1.2 No client relationship

Reading this website, submitting an enquiry form, downloading material or corresponding with us before engagement does not create a professional or fiduciary relationship. A relationship arises only when an engagement letter has been issued by us and accepted by you, and it is limited to the scope stated in that letter.

1.3 Currency and accuracy

Content is prepared with reasonable care but law, standards, tax rates and regulatory practice change frequently. Material published on a given date may cease to be current without notice. We are under no obligation to update published content, and we do not warrant that it is complete, accurate or applicable to your circumstances at the time you read it.

2. Professional scope limitations

2.1 Not an audit or assurance opinion

Unless expressly stated in an engagement letter, our work does not constitute an audit conducted in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India, or with International Standards on Auditing, and we express no audit opinion on any financial statement. Nor does it constitute a review engagement, an agreed-upon-procedures engagement or any other assurance engagement, unless so described. Our findings are advisory in nature and are not designed to detect all errors, fraud or non-compliance.

2.2 Not legal advice

We are not a law firm and do not provide legal advice or representation. Observations we make on the effect of the Companies Act, 2013, the Insolvency and Bankruptcy Code, 2016, FEMA, SEBI regulations, GST legislation or any foreign statute are made from a commercial and financial perspective and must be confirmed with qualified legal counsel before you rely on them.

2.3 Not investment advice

Nothing on this website or in a deliverable is an offer, solicitation or recommendation to buy, sell, subscribe for or hold any security or financial instrument, or an inducement to enter into any transaction. Our investment research and valuation work is prepared for the internal decision-making of the client who commissioned it. We are not registered as an investment adviser or research analyst under the SEBI (Investment Advisers) Regulations, 2013 or the SEBI (Research Analysts) Regulations, 2014, or under any equivalent foreign regime, unless expressly stated. Where an engagement requires an opinion, certificate, valuation or filing that only a specifically registered professional may sign, that work is performed and signed by a professional holding the relevant registration.

2.4 Not tax representation or certification

We do not represent clients before tax or regulatory authorities, and we do not issue statutory certificates, unless a licensed professional is separately engaged for that purpose and the engagement letter says so.

2.5 Valuation and forward-looking work

Valuations, forecasts, feasibility studies and business plans rest on assumptions about future events. Actual results commonly differ from projections, and those differences may be material. A valuation conclusion is an informed professional opinion as at a specified date, for a specified purpose and a specified basis of value; it is not a guarantee of the price obtainable in a transaction, and it may not satisfy the requirements of a registered valuer report under the Companies Act, 2013 or the rules of a foreign jurisdiction unless expressly prepared on that basis.

3. No guarantee of results

We do not guarantee that a transaction will close, that funding will be raised, that a receivable will be recovered, that a regulator, tax authority, court or counterparty will accept our analysis, or that any financial improvement will follow from implementing our recommendations. Outcomes depend on factors outside our control, including market conditions, the conduct of counterparties, the quality of implementation and the accuracy of information supplied to us.

4. Reliance on client information

Our work relies on information, records, systems access and representations provided by the client and its advisers. Unless the engagement expressly includes verification procedures, we do not audit or independently verify that information. Where information is incomplete, inaccurate or withheld, conclusions drawn from it may be affected, and we accept no responsibility for that consequence.

5. Third-party content, links and tools

The website may link to or reference third-party sites, databases, market data, standards and software. Links are provided for convenience and do not imply endorsement, association or verification. We do not control third-party content and are not responsible for its accuracy, availability, security or terms of use. Where a deliverable incorporates third-party data, that data is used on the terms on which it was licensed and is subject to the provider’s own limitations.

6. Engagement scenarios and testimonials

Any engagement scenarios, case examples or figures presented on the website are constructed to explain our method and approach. They are not accounts of identifiable clients, and they are not representations that a particular client achieved a particular result, and they should not be read as a prediction of what your engagement will achieve. Client quotations, where published, are used with consent and represent the individual view of the person quoted.

7. Website availability and security

We take reasonable steps to keep the website available and free of malicious code, but we do not warrant uninterrupted or error-free operation. Access may be suspended for maintenance, upgrade or security reasons. You are responsible for your own device security. We are not liable for loss arising from a virus, denial-of-service attack or other technologically harmful material that infects your equipment through use of this site, save to the extent such liability cannot be excluded by law.

8. Communications

Email and messaging are not fully secure. Messages may be delayed, intercepted, corrupted or arrive incomplete, and we do not accept liability for those events. We may communicate by email during an engagement unless you instruct us otherwise, and we ask that substantive documents be exchanged through the secure environment we provide.

9. Jurisdictional reach

Content on this website is directed principally at businesses in India and in the jurisdictions we serve. Regulatory references may not apply outside the jurisdiction to which they relate, and international equivalents such as IFRS or US GAAP are mentioned only for orientation. Nothing on this site is an offer to provide services in a jurisdiction where we are not permitted to do so.

10. Limitation of liability

To the fullest extent permitted by law, we exclude liability for loss or damage arising from reliance on website content by any person. Liability arising under an engagement is governed by the limitation and exclusion provisions of our Terms and Conditions and the applicable engagement letter. Nothing here excludes liability for fraud, for death or personal injury caused by negligence, or any liability that cannot lawfully be excluded, and nothing here limits statutory rights available to a consumer under the Consumer Protection Act, 2019.

11. Governing law

This disclaimer is governed by the laws of India. Disputes are subject to the dispute-resolution provisions in our Terms and Conditions, with arbitration seated in New Delhi and, subject to that, the exclusive jurisdiction of the courts at New Delhi.

12. Contact

• Entity: a private limited company incorporated under the Companies Act, 2013
• Address: 41 & 42, 1st Floor (L-Type), Prem Nagar, Uttam Nagar, Near Metro Station, West Delhi, New Delhi, Delhi – 110059, India
• Email: info@arthamfintech.com
• Telephone and WhatsApp: +91 7303967800
• Grievance Officer: The Grievance Officer, Artham Fintech Consulting Private Limited — info@arthamfintech.com

If you need advice on your specific circumstances, speak to us or to another suitably qualified professional before acting. General information is not a substitute for advice given on the facts of your case.