Disclaimer

The information and services provided by Dipenjay Ghosh Financial and Tax Consultant are for informational and educational purposes only. This disclaimer applies to all services, advice, recommendations, and information provided through our website, consultations, and communications.

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained in our materials.

Tax laws and regulations are complex and subject to frequent changes. Our tax advice is based on current laws and our understanding of your situation at the time of consultation.

• Law Changes: Tax laws may change retroactively, affecting previous advice and strategies
• Individual Circumstances: Tax implications vary based on individual circumstances and complete financial picture
• Professional Verification: We recommend verifying tax strategies with qualified tax professionals before implementation
• Compliance Responsibility: You remain responsible for compliance with all applicable tax laws and regulations

Insurance recommendations are based on your stated needs and circumstances. Insurance products have specific terms, conditions, and limitations that may affect coverage.

• Policy Terms: All insurance coverage is subject to the terms and conditions of the actual policy documents
• Underwriting: Final coverage and premiums are subject to insurance company underwriting and approval
• Claims: We do not guarantee claim approvals or outcomes, which are determined by insurance companies
• Regular Review: Insurance needs may change over time and require periodic review and adjustment

Our professional relationship is governed by specific terms and limitations that clients should understand:

• Advisory Capacity: We provide advice and recommendations but do not make investment decisions on your behalf without explicit authorization
• Information Accuracy: Our advice is based on information you provide; inaccurate or incomplete information may affect our recommendations
• Independent Decisions: You retain full responsibility for all financial decisions and their consequences
• Third-Party Products: We may recommend products from third-party providers; we are not responsible for their performance or service

To the fullest extent permitted by law, Dipenjay Ghosh Financial and Tax Consultant shall not be liable for:

• Any direct, indirect, incidental, consequential, or punitive damages arising from our services
• Investment losses or poor performance of recommended products or strategies
• Tax penalties, interest, or additional assessments resulting from our advice
• Insurance claim denials or coverage disputes with insurance companies
• Errors or omissions in information provided by third parties

Our total liability for any claim shall not exceed the fees paid for the specific service giving rise to the claim.

We operate in compliance with applicable financial services regulations in India. However, regulatory requirements may change, and compliance obligations may vary based on specific circumstances.

• We maintain required licenses and registrations for our services
• We follow industry best practices and ethical standards
• Clients are responsible for their own regulatory compliance

If you have questions about this disclaimer or need clarification on any points, please contact us:

By using our services, you acknowledge that you have read, understood, and agree to this disclaimer. You understand the risks and limitations associated with financial services and accept responsibility for your financial decisions.

This disclaimer may be updated from time to time. Continued use of our services indicates acceptance of any changes.