Terms of Use

1. ABOUT UNOVIA

Unovia Consulting is a professional advisory firm based in Kolkata, West Bengal, India.

The Website provides information and may facilitate enquiries relating to:

• Taxation
• Income Tax
• GST
• Accounting
• Business Consulting
• Startup Advisory
• Business Valuation
• Financial Planning
• Investment and Wealth Management
• Virtual CFO services
• Other professional services offered by Unovia

The Website may also provide articles, guides, calculators, FAQs and educational resources.

2. INFORMATIONAL PURPOSE

Information available on the Website is provided primarily for general educational and informational purposes.

Website content should not automatically be considered personalised:

• Tax advice
• Legal advice
• Accounting advice
• Investment advice
• Financial advice
• Business advice
• Professional opinion

Tax laws, GST rules, financial regulations, investment markets and business conditions may change.

You should obtain appropriate professional advice before taking action based on information obtained from the Website.

3. TAX AND GST INFORMATION

Tax and GST information may depend upon:

• Applicable law
• Notifications
• Circulars
• Rules
• Financial year
• Taxpayer status
• Business structure
• Transaction characteristics
• Individual circumstances

Information that is accurate at the time of publication may subsequently change.

You should verify the current legal position and obtain professional advice before relying on Website information for a specific filing, transaction or compliance decision.

4. INVESTMENT INFORMATION

Investment-related content is provided for general educational purposes.

Nothing on the Website constitutes a guarantee of investment returns or a recommendation to purchase or sell a particular investment.

Investment decisions involve risk. Past performance does not guarantee future performance.

Users should evaluate their own circumstances and obtain appropriate professional advice before making investment decisions.

5. CALCULATORS AND ONLINE TOOLS

The Website may contain tax, investment, financial or business calculators and tools.

These tools are provided for general estimation and educational purposes.

Results may depend on:

• User inputs
• Assumptions
• Tax rules
• Applicable rates
• Rounding
• Data accuracy
• Changes in law

Calculator results should not be treated as an official tax calculation, investment statement or final professional determination.

6. PROFESSIONAL RELATIONSHIP

Browsing or using the Website does not create a professional-client relationship between you and Unovia.

A professional relationship is created only when you formally engage Unovia and the applicable engagement terms are accepted.

A separate engagement letter, proposal, service agreement or other written terms may apply to specific services.

7. NO GUARANTEE OF RESULTS

Unovia does not guarantee:

• Tax savings
• Tax refunds
• Investment returns
• Business profits
• Funding approval
• Loan approval
• Regulatory approval
• GST registration approval
• Trademark registration
• Successful tax proceedings
• Successful litigation
• Successful business outcomes
• Any specific financial result

Outcomes depend on individual circumstances, applicable law, third-party decisions and factors beyond our control.

8. WEBSITE CONTENT ACCURACY

We make reasonable efforts to maintain accurate and useful information.

However, we do not guarantee that:

• All information is error-free
• All information is continuously updated
• Information is suitable for your circumstances
• Third-party information is accurate
• Laws and regulations remain unchanged
• Calculators always produce exact results

If you identify an apparent error, please contact us.

9. INTELLECTUAL PROPERTY

Unless otherwise stated, the Website and its original content, including text, articles, guides, graphics, logos, images, designs, layout, software, calculators, branding, and original materials are owned by or licensed to Unovia Consulting.

You may access and use the Website for lawful personal or business purposes.

Without prior written permission, you must not:

• Reproduce substantial Website content
• Republish articles
• Sell Website content
• Copy proprietary tools
• Scrape Website content
• Copy branding or logos
• Reverse engineer Website functionality
• Create commercial derivative works from Website content

10. USER-SUBMITTED INFORMATION

If you submit information through the Website, you represent that:

• The information is accurate to the best of your knowledge
• You have the right to provide it
• It does not knowingly violate another person's rights
• It is not unlawful
• It does not contain malicious software

Do not submit highly confidential information through a general enquiry form unless specifically requested.

11. PROHIBITED ACTIVITIES

You must not use the Website to:

• Violate applicable law
• Commit fraud
• Attempt unauthorised access
• Introduce malware
• Attack or disrupt the Website
• Scrape information unlawfully
• Circumvent security measures
• Impersonate another person
• Submit false information
• Infringe intellectual-property rights
• Send spam
• Abuse Website forms
• Interfere with Website operation

Unovia may restrict or terminate access where misuse is suspected.

12. THIRD-PARTY WEBSITES

The Website may contain links to third-party websites and services.

Such links are provided for convenience or informational purposes.

Unovia does not necessarily endorse or control third-party websites and is not responsible for their content, accuracy, availability, security, privacy practices, products, services, or terms.

You access third-party websites at your own risk.

13. WEBSITE AVAILABILITY

We aim to keep the Website available and functional but do not guarantee uninterrupted access.

The Website may temporarily be unavailable because of maintenance, updates, technical failures, hosting problems, security incidents, network problems, third-party service failures, or events beyond our reasonable control.

14. WEBSITE SECURITY

Users must not attempt to compromise the security, availability or functionality of the Website.

Unovia may take appropriate technical and legal measures against unauthorised access, malicious activity or abuse.

15. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Unovia shall not be liable for losses arising solely from reliance on general information published on the Website.

This may include, where legally permissible: financial loss, investment loss, business loss, tax-related loss, GST-related loss, loss of profits, loss of opportunity, loss of data, or business interruption.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law.

16. INDEMNITY

To the extent permitted by applicable law, you agree to indemnify and hold harmless Unovia Consulting and its authorised personnel against claims, losses, liabilities, damages and expenses arising from:

• Your unlawful use of the Website
• Your violation of these Terms
• Your infringement of third-party rights
• Information submitted by you
• Misuse of Website functionality

This clause operates only to the extent permitted by applicable law.

17. PROFESSIONAL ENGAGEMENT TERMS

Where you formally engage Unovia for professional services, the applicable engagement letter, proposal, service agreement or terms of engagement will govern the professional relationship.

If there is a conflict between these Terms and a specific signed engagement agreement, the specific engagement agreement will prevail to the extent of the conflict.

18. CHANGES TO THE WEBSITE

Unovia may modify, suspend, remove or discontinue any part of the Website or its content at any time.

We may also update these Terms from time to time.

The latest version will be published on the Website with the updated "Last Updated" date.

19. SEVERABILITY

If any provision of these Terms is determined to be invalid, unlawful or unenforceable, the remaining provisions shall continue to apply to the extent permitted by applicable law.

20. WAIVER

Failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

21. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy and applicable service-specific agreements, constitute the terms governing your use of the Website, subject to applicable law.

22. GOVERNING LAW

These Terms shall be governed by the laws of India.

Subject to applicable law, disputes relating to these Terms or use of the Website shall be subject to the jurisdiction of the appropriate courts in India.

24. ACCEPTANCE

By accessing or using www.unovia.in, you acknowledge that you have read, understood and agreed to these Terms of Use.

If you do not agree with these Terms, please discontinue use of the Website.