1. Acceptance of Terms

By accessing or using this website (the "Website"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree with these Terms, you should not access or use the Website.

2. Nature of Information

The content provided on this Website is for general informational purposes only.

It is not intended to constitute, and should not be relied upon as:

• Legal advice
• Tax advice
• Accounting advice
• Regulatory or professional advice

Users should seek specific professional advice from qualified advisors at PUMEC Consultants Private Limited ("PUMEC") or other appropriate professionals before making any decisions.

3. No Professional Relationship

Use of this Website, including submission of inquiries or communications, does not create:

• A client–advisor relationship
• A fiduciary relationship
• Any form of professional engagement

A formal engagement with PUMEC arises only upon execution of a written engagement letter.

4. Accuracy and Completeness

While PUMEC endeavors to ensure that the information on the Website is accurate and up to date, the Website content is provided on an "as is" and "as available" basis.

PUMEC makes no representations or warranties, express or implied, regarding:

• Accuracy
• Completeness
• Reliability
• Timeliness

5. Limitation of Liability

To the fullest extent permitted by applicable law, PUMEC, its:

• Directors
• Partners
• Employees
• Affiliates
• Agents
• Service providers

shall not be liable for any loss or damage of any kind arising from or in connection with:

• Use of or reliance on the Website
• Any errors or omissions in the content
• Interruption or unavailability of the Website
• Any third-party content or links

This includes, without limitation:

• Direct, indirect, incidental, consequential, or punitive damages
• Loss of data, profits, or business opportunities

6. No Warranties

The Website and its content are provided without warranties of any kind, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Freedom from viruses or harmful components

Users are responsible for implementing appropriate safeguards.

7. Intellectual Property Rights

All content on this Website, including:

• Text
• Graphics
• Logos
• Design
• Layout
• Documents

is the property of PUMEC Consultants Private Limited, unless otherwise stated, and is protected under applicable intellectual property laws.

Permitted Use:

Users may:

• View, download, and print content for personal, non-commercial use only

Restricted Use:

Users may not:

• Modify, reproduce, distribute, or exploit content
• Use content for commercial purposes
• Remove copyright or proprietary notices

without prior written consent from PUMEC.

8. Trademarks

"PUMEC Consultants Private Limited" and associated logos are proprietary marks of PUMEC.

They may not be used, reproduced, or displayed without prior written authorization.

All other trademarks appearing on the Website belong to their respective owners.

9. Third-Party Links

This Website may contain links to external websites for user convenience.

PUMEC:

• Does not control such websites
• Is not responsible for their content, accuracy, or practices

Accessing third-party websites is at the user's own risk.

10. Website Availability and Security

PUMEC does not guarantee that the Website will be:

• Uninterrupted
• Error-free
• Secure

While reasonable measures are taken, users acknowledge that internet-based services inherently carry risks.

11. User Conduct

Users agree not to:

• Use the Website for unlawful purposes
• Attempt to gain unauthorized access to systems
• Interfere with Website functionality
• Upload malicious or harmful content

12. Indemnification

Users agree to indemnify and hold harmless PUMEC and its representatives from any claims, liabilities, damages, or expenses arising from:

• Violation of these Terms
• Misuse of the Website

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

Any disputes arising shall be subject to the exclusive jurisdiction of the courts located in India.

14. Changes to Terms

PUMEC reserves the right to modify these Terms at any time.

Updated Terms will be posted on this page, and continued use of the Website constitutes acceptance of such changes.

16. Last Updated

April 2026