Terms & Conditions

In short. Buying a service on this site is an offer, not a completed contract. We confirm scope on a call, issue an engagement letter, and only then does work begin. Fees are exclusive of taxes, our liability is capped by reference to the fees you paid, and disputes are governed by Indian law and resolved by arbitration seated in New Delhi.

1. About these terms

1.1 Parties

These Terms and Conditions (“Terms”) are a binding agreement between you (“you”, “Client”) and Artham Fintech Consulting Private Limited, constituted as a private limited company incorporated under the Companies Act, 2013, CIN / LLPIN U74140DL2020PTC361699, GSTIN 07AATCA2923N1Z6, of 41 & 42, 1st Floor (L-Type), Prem Nagar, Uttam Nagar, Near Metro Station, West Delhi, New Delhi, Delhi – 110059, India (“we”, “us”).

1.2 Acceptance

By accessing the website, submitting an enquiry or placing an order, you accept these Terms. If you accept on behalf of an organisation, you represent that you are authorised to bind it, and “you” refers to that organisation.

1.3 Order of precedence

Where a signed engagement letter, statement of work or master services agreement exists, that document prevails over these Terms to the extent of any inconsistency for the engagement it governs; these Terms otherwise continue to apply. Purchase orders or standard terms issued by you are of no effect unless accepted by us in writing.

1.4 Amendment

We may amend these Terms. The version in force when you place an order governs that order, and continued use of the website constitutes acceptance of an amendment.

2. The services

2.1 Nature of the services

We provide finance, accounting and business advisory services, including transaction advisory, virtual CFO support, accounting and assurance advisory, business valuation, lead advisory, forensic advisory, digital transformation consulting, feasibility studies, data analytics, investment research, reconciliation, and accounts receivable and payable management. Delivery is virtual, using remote engagement teams, secure document exchange and cloud-based systems.

2.2 What the services are not

Unless expressly agreed in an engagement letter, our work does not constitute a statutory audit or an audit opinion under the Companies Act, 2013 or equivalent foreign legislation; an assurance or review engagement under applicable Standards on Auditing; legal advice or representation; tax representation before any authority; investment advice or a recommendation to buy, sell or hold any security within the meaning of the SEBI (Investment Advisers) Regulations, 2013 or any equivalent foreign regime; or certification of any statement for regulatory filing. Where a matter requires a licensed auditor, advocate, registered valuer or investment adviser, we will say so and can work alongside one appointed by you.

2.3 No guarantee of outcome

Advisory work is a professional service, not a guaranteed result. We do not warrant that a transaction will complete, that funding will be raised, that a valuation will be accepted by a counterparty, authority or court, or that any commercial or regulatory outcome will follow. Our obligation is to exercise the reasonable skill, care and diligence expected of a competent professional firm.

3. Orders, scoping and formation of the engagement

3.1 Products are an invitation to treat

The listing of a service on our store is an invitation to treat and not an offer. Your order is an offer to purchase, which we may accept or decline.

3.2 Order acknowledgement and acceptance

An automated order acknowledgement confirms receipt of your order and payment; it is not acceptance. A contract is formed only when we issue a written engagement confirmation or engagement letter. We may decline an order where the scope falls outside our competence or capacity, where client acceptance, conflict or anti-money-laundering checks are not satisfied, where the fee does not reflect the actual scope, or where a listing contained a manifest error.

3.3 The scoping call

Most purchases are followed by a scoping call, normally within one business day business days of order confirmation, to establish the objective, the boundaries of the work, the information you will provide, the deliverable format, the timetable and any assumptions. The scope agreed on that call is recorded in the engagement letter and defines the services.

3.4 Out-of-scope work

Work outside the agreed scope — additional entities, periods, jurisdictions, deliverables, iterations beyond those specified, or re-performance caused by material changes to information previously supplied — is chargeable separately. We will notify you of the additional fee and obtain written approval before starting, and we are not obliged to perform out-of-scope work.

4. Fees, taxes and payment

4.1 Fees

Fees are as stated on the store listing or in the engagement letter, and are exclusive of taxes, statutory levies, government and filing fees, third-party data costs and pre-approved out-of-pocket expenses, all payable by you.

4.2 Goods and Services Tax and international supplies

Supplies to clients in India attract Goods and Services Tax at the applicable rate. If you are registered under GST, provide your GSTIN before checkout so that a compliant tax invoice can be issued; a GSTIN cannot be added afterwards except by credit note and re-invoice. Supplies to clients outside India may qualify as export of services under section 2(6) of the Integrated Goods and Services Tax Act, 2017, subject to the conditions of that section including receipt of consideration in convertible foreign exchange. Where the reverse charge mechanism applies in your jurisdiction, you are responsible for accounting for the tax due and agree not to withhold it from our fee. Withholding tax deducted at source must be supported by a valid certificate, and grossing-up applies only where the engagement letter says so.

4.3 Payment

Store purchases are payable in full at checkout. Retainer and milestone engagements are invoiced as set out in the engagement letter and payable within payable in advance for online purchases, and within 15 days of invoice for engagements invoiced separately of invoice date. Interest may be charged on overdue amounts at 1.5% per month per annum, and work may be suspended where fees are overdue by more than 30 days.

5. Client obligations

5.1 Information

You are responsible for the completeness, accuracy and authenticity of all information, records, systems access and management representations supplied to us. We do not independently verify that information unless the engagement expressly includes verification procedures, and we accept no liability for conclusions affected by information that was incomplete, inaccurate or misleading.

5.2 Cooperation and management responsibility

You will provide timely responses, a nominated contact with authority to instruct us, and reasonable access to personnel and systems. Management remains responsible for its own decisions, for internal controls and for compliance with law. Our deliverables support decisions; they do not replace management judgement.

5.3 Lawful use

You will not use our services or deliverables for any unlawful purpose, including tax evasion, money laundering, market abuse or the circumvention of sanctions.

6. Client acceptance, KYC and anti-money-laundering

Before commencing work we carry out client acceptance procedures: identification and verification of the client entity and its beneficial owners, sanctions and politically exposed person screening, and conflict checks. You agree to provide the documents requested and to notify any change in ownership or control. We may decline or terminate an engagement, without liability, where these procedures cannot be completed or where we suspect the engagement would involve the proceeds of crime. Where a report to a competent authority is required by law, we may be prohibited from telling you it has been made.

7. Confidentiality and conflicts

7.1 Confidentiality

Each party will keep the other’s confidential information confidential and use it only for the engagement. The obligation does not apply to information that is or becomes public without breach, was lawfully known before disclosure, is independently developed, or must be disclosed by law or professional obligation. Our personnel and sub-contractors are bound by equivalent obligations.

7.2 Conflicts of interest

We act for many clients, including parties who compete or transact with each other. Where a conflict is identified by our conflict-check procedures, we will either decline the engagement or, where permissible and with the informed consent of both parties, implement information barriers and separate engagement teams.

8. Intellectual property

8.1 Deliverables

On receipt of all fees due, you receive ownership of, or a perpetual, non-exclusive, non-transferable licence to use, the final deliverables prepared specifically for you, for the purpose stated in the engagement letter. The allocation between assignment and licence is specified in that letter.

8.2 Underlying methodologies

We retain all rights in our underlying know-how, methodologies, models, templates, frameworks, software, working papers and general skills and experience, including anything developed or enhanced during the engagement. Nothing in an engagement transfers those rights to you.

8.3 Third-party reliance

Deliverables are prepared solely for you and for the purpose stated. They may not be quoted, disclosed or relied upon by any third party without our prior written consent, which we may make conditional on a hold-harmless letter. We accept no duty of care to any third party who obtains a deliverable.

8.4 Website content

Website content is owned by or licensed to us and protected by the Copyright Act, 1957. You may view and print pages for internal reference; systematic copying, republication, scraping or commercial reuse is prohibited.

9. Limitation of liability

9.1 Cap

Subject to section 9.3, our aggregate liability in connection with an engagement, whether in contract, tort (including negligence), breach of statutory duty or otherwise, is limited to one times the fees actually paid for that engagement in the 12 months preceding the event giving rise to the claim.

9.2 Excluded losses

We are not liable for loss of profit, revenue, anticipated savings, business opportunity, goodwill or data, or for indirect or consequential loss, however arising, or for decisions taken by you or a third party on the basis of a deliverable used outside its stated purpose.

9.3 What is not limited

Nothing in these Terms excludes or limits liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, or for any other liability that cannot lawfully be excluded, and nothing limits the rights of a consumer under the Consumer Protection Act, 2019.

9.4 Time limit for claims

Any claim must be notified in writing within 12 months of the date on which you became aware, or ought reasonably to have become aware, of the circumstances giving rise to it, and in any event within the period prescribed by the Limitation Act, 1963.

10. Term, suspension and termination

An engagement continues until the deliverables are provided or the term in the engagement letter expires. Either party may terminate for convenience on 30 days for retainers and 15 days for fixed-scope projects written notice, immediately for material breach not remedied within 15 days of written notice, or on the other party’s insolvency. On termination you remain liable for work performed and committed third-party costs. Confidentiality, intellectual property, liability, governing law and dispute resolution survive termination.

11. Force majeure

Neither party is liable for delay or failure to perform caused by an event beyond its reasonable control, including act of God, fire, flood, epidemic, war, civil unrest, terrorism, strike, failure of public telecommunications or electricity supply, cyber-attack on infrastructure not under its control, or act of government. The affected party will notify the other promptly and mitigate. If the event continues beyond 60 continuous days, either party may terminate the affected engagement without liability other than for work already performed.

12. Governing law, jurisdiction and dispute resolution

12.1 Governing law

These Terms and each engagement are governed by the laws of India, including the Indian Contract Act, 1872, without regard to conflict-of-laws principles.

12.2 Escalation

The parties will first attempt to resolve a dispute by good-faith discussion between senior representatives within 30 days of written notice.

12.3 Arbitration

Any dispute not so resolved will be finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, by a sole arbitrator appointed by mutual agreement between the parties, failing which by application under Section 11 of the Arbitration and Conciliation Act, 1996. The seat and venue is New Delhi, India, the language is English, and the award is final and binding. Institutional rules, if any: The arbitration shall be ad hoc and seated in New Delhi; no institutional rules apply unless the parties agree otherwise in writing..

12.4 Jurisdiction

Subject to section 12.3, the courts at New Delhi have exclusive jurisdiction, including for interim relief under section 9 of that Act.

13. General

These Terms and the engagement letter form the entire agreement on their subject matter. If a provision is held unenforceable, the remainder continues. Failure to enforce a right is not a waiver. You may not assign without our written consent; we may assign to a successor of our business. Nothing creates a partnership, joint venture or employment relationship, and no third party has rights under these Terms. Notices must be in writing to the addresses in section 14.

14. 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
• GSTIN: 07AATCA2923N1Z6 — CIN / LLPIN: U74140DL2020PTC361699

These Terms state the contractual basis on which we deal with clients. They are not legal advice, and no professional relationship arises until an engagement is confirmed in writing.