Terms of Service

1) Agreement to Terms

These Terms govern your access to and use of our website and professional services provided by Kanika Arora — Fractional CFO (“we”, “us”). By accessing the site or engaging us, you agree to these Terms and to our Privacy Policy.

2) Professional Services & Engagements

• Any advisory, fractional CFO, or related services are delivered under a written engagement letter/SOW. If there is a conflict, the engagement letter prevails.
• Our deliverables are for the client’s internal use, and not investment, legal, or tax advice. You should obtain independent professional advice before making decisions.
• You are responsible for providing complete and accurate information. We are not liable for outcomes based on incomplete or inaccurate inputs.

3) Intellectual Property

We retain all rights in our methodologies, templates, models, and materials. Upon full payment of fees, you receive a non-exclusive, non-transferable license to use deliverables for your internal purposes only. No resale, republication, or distribution without prior written consent.

4) Confidentiality

Each party will keep the other’s confidential information secret and use it solely for the engagement, subject to customary exceptions (public domain, independently developed, legally required disclosure). We follow reasonable safeguards as described in our Privacy Policy.

5) Fees, Invoicing & Taxes

• Fees, payment schedules, and billing currency are set out in the engagement letter/SOW.
• Late payments may accrue interest as permitted by law. You are responsible for applicable taxes (GST/withholding, where applicable).

6) Acceptable Use of Website

• No unlawful, harmful, or infringing activity.
• No attempting to interfere with site security, availability, or integrity.
• No automated scraping/crawling except as permitted by robots.txt or our prior written consent.

7) Third-Party Links

Links (e.g., LinkedIn) are provided for convenience only. We do not control and are not responsible for third-party sites or their practices.

8) Disclaimer; No Warranties

Our website and any informational content are provided “as is.” We disclaim all warranties to the maximum extent permitted by law, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Advisory outcomes depend on multiple factors beyond our control.

9) Limitation of Liability

To the fullest extent permitted by law, our total aggregate liability arising out of or related to the Services or these Terms is limited to the fees paid to us for the specific engagement giving rise to the claim. We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost profits, or business interruption.

10) Indemnity

You agree to indemnify and hold us harmless from claims, damages, liabilities, and expenses arising from your misuse of the Services, breach of these Terms, or violation of law.

11) Data Protection

We process personal data in accordance with our Privacy Policy and applicable laws (including India’s DPDP Act 2023, and, where applicable, GDPR/UK GDPR). We do not sell personal data.

12) Termination

Either party may terminate an engagement as provided in the engagement letter/SOW. Upon termination, you agree to pay for services performed and expenses incurred up to the effective date of termination. Sections intended to survive (e.g., IP, confidentiality, fees, liability limits) will continue.

13) Governing Law & Dispute Resolution

These Terms and any dispute arising out of the Services are governed by the laws of India. Subject to good-faith negotiations, the courts/tribunals of Mumbai, Maharashtra shall have exclusive jurisdiction, unless otherwise agreed in the engagement letter.

14) Changes

We may update these Terms to reflect changes in law or our operations. We will post the updated Terms with a new “Effective Date.” Continued use of the site or Services after changes constitutes acceptance.