Terms of Service
Please read these terms carefully before using our services. By using our services, you agree to these terms.
Last updated: January 15, 2024
Acceptance of Terms
These Terms of Service ("Terms") govern your use of the website and services provided by Dipenjay Ghosh Financial and Tax Consultant ("we," "our," or "us"). By accessing our website, engaging our services, or providing us with your information, you agree to be bound by these Terms.
If you do not agree with any part of these Terms, you must not use our website or services. These Terms constitute a legally binding agreement between you and Dipenjay Ghosh Financial and Tax Consultant.
Our Services
We provide professional financial and tax consultation services, including but not limited to:
- Financial planning and investment advisory services
- Insurance planning and policy recommendations
- Tax consultation and planning services
- Retirement planning and wealth management
- Risk assessment and management strategies
Client Responsibilities
As our client, you agree to:
- Provide Accurate Information: Supply complete, accurate, and up-to-date information about your financial situation, goals, and circumstances
- Timely Communication: Inform us promptly of any changes in your financial situation, goals, or personal circumstances
- Document Review: Carefully review all recommendations, proposals, and documents before making decisions
- Independent Decision Making: Make your own informed decisions regarding financial products and services
- Fee Payment: Pay all agreed-upon fees and charges in a timely manner
Professional Standards
We are committed to maintaining the highest professional standards:
- We are licensed and qualified to provide financial and tax consultation services in accordance with applicable regulations
- We maintain professional indemnity insurance to protect our clients' interests
- We adhere to industry codes of conduct and ethical standards
- We maintain confidentiality of all client information
Fees and Payment
Fee Structure
- Consultation Fees: Charged for initial consultations and ongoing advisory services
- Commission: May be received from product providers for insurance and investment products
- Project-based Fees: For specific financial planning or tax preparation services
Payment Terms
- All fees will be clearly disclosed before services are provided
- Payment is due within 30 days of invoice date unless otherwise agreed
- Late payment may result in suspension of services
Limitations and Disclaimers
Service Limitations
- Our advice is based on information provided by you and current market conditions, which may change
- Past performance does not guarantee future results
- All investments carry risk, and you may lose money
- Tax laws and regulations may change, affecting our recommendations
Liability Limitations
Our liability is limited to the fees paid for our services. We are not liable for any indirect, consequential, or punitive damages arising from our services or recommendations.
Termination
Either party may terminate our professional relationship with written notice:
- 30 days' notice for ongoing advisory relationships
- Immediate termination for breach of these Terms
- All outstanding fees must be paid upon termination
- Confidentiality obligations survive termination
Governing Law
These Terms are governed by the laws of India. Any disputes arising from these Terms or our services will be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.
We encourage clients to resolve any concerns through direct communication before pursuing legal action.
Contact Information
If you have questions about these Terms of Service, please contact us:
Dipenjay Ghosh
Financial and Tax Consultant
Email: info@dipenjayghosh.com
Phone: +91 98765 43210
Terms Updates
We may update these Terms of Service from time to time. We will notify you of any material changes by posting the updated terms on our website and updating the "Last Updated" date.
Your continued use of our services after any changes indicates your acceptance of the updated Terms of Service.