Effective Date: January 1, 2025

These Terms and Conditions ("Terms") govern your use of services provided by Fidelex Consultancy and your access to our website. By engaging our services or using our website, you agree to be bound by these Terms.

1. Definitions

• "Company," "we," "us," or "our" refers to Fidelex Consultancy
• "Client," "you," or "your" refers to the individual or entity engaging our services
• "Services" refers to all financial, accounting, tax, consulting, and advisory services provided by us
• "Agreement" refers to these Terms along with any service-specific agreements
• "Website" refers to www.fidelex.co and all related pages

2. Services Overview

Financial Advisory Services

• Investment planning and portfolio management
• Mutual funds and PMS advisory
• Insurance planning and implementation
• Loan facilitation and advisory
• Retirement and wealth planning

Business Services

• Accounting and bookkeeping services
• Tax advisory and compliance
• Business valuation and M&A advisory
• Company secretarial services
• IPO and fundraising support
• Business setup and incorporation
• Recruitment and HR consulting

3. Client Responsibilities

By engaging our services, you agree to:

• Provide Accurate Information: Supply complete, accurate, and timely information required for service delivery
• Documentation: Provide all necessary documents, records, and data as requested
• Compliance: Ensure compliance with all applicable laws and regulations
• Communication: Respond promptly to our requests for information or clarification
• Payment: Make timely payments as per agreed terms
• Decision Making: Make final decisions regarding your financial and business matters
• Risk Understanding: Understand that all investments carry risk and past performance does not guarantee future results

4. Our Responsibilities and Service Standards

We commit to:

• Professional Standards: Provide services in accordance with professional standards and industry best practices
• Confidentiality: Maintain strict confidentiality of your information
• Competence: Ensure our team has appropriate qualifications and expertise
• Timely Service: Deliver services within agreed timeframes
• Regular Updates: Keep you informed of progress and any material developments
• Regulatory Compliance: Ensure compliance with all applicable regulatory requirements

5. Fees and Payment Terms

Fee Structure

• Advisory Fees: May be charged as fixed fees, hourly rates, or percentage of assets under management
• Transaction Fees: May apply for specific transactions or implementations
• Retainer Fees: May be required for ongoing advisory relationships
• Third-Party Costs: Any third-party costs will be passed through at actual cost

Payment Terms

• Fees are payable as specified in the service agreement
• Payment is due within 30 days of invoice date unless otherwise agreed
• Late payment may result in service suspension and interest charges
• All fees are exclusive of applicable taxes

6. Investment Risks and Disclaimers

We provide advisory services only and do not guarantee investment performance. You should carefully consider your financial situation, investment objectives, and risk tolerance before making any investment decisions.

7. Confidentiality and Data Protection

We are committed to protecting your confidential information:

• Confidentiality Obligation: We will keep all client information confidential
• Data Security: Implement appropriate security measures to protect your data
• Limited Disclosure: Information may be disclosed only as required by law or with your consent
• Staff Training: All staff are trained on confidentiality requirements
• Third-Party Services: When using third-party services, we ensure appropriate confidentiality agreements

For detailed information about data handling, please refer to our Privacy Policy.

8. Limitation of Liability

Our liability is limited as follows:

• Professional Indemnity: Our liability is covered by professional indemnity insurance
• Direct Damages: Liability is limited to direct damages actually incurred
• Consequential Damages: We are not liable for indirect, consequential, or punitive damages
• Maximum Liability: Total liability shall not exceed fees paid in the preceding 12 months
• Market Losses: We are not liable for investment losses due to market conditions
• Third-Party Actions: Not liable for actions of third parties including fund managers, brokers, or custodians

9. Termination

Termination by Client

• You may terminate services at any time with written notice
• Termination notice period may be specified in service agreements
• Fees for services rendered up to termination date remain payable

Termination by Us

• We may terminate services with reasonable notice
• Immediate termination may occur for breach of terms or non-payment
• We will assist with orderly transition of services upon termination

Effect of Termination

• Confidentiality obligations survive termination
• Client records will be returned or destroyed as requested
• Outstanding fees remain payable

10. Regulatory Compliance

Our services are subject to various regulatory requirements:

• SEBI Regulations: Investment advisory services comply with SEBI (Investment Advisers) Regulations
• RBI Guidelines: Banking and finance related services follow RBI guidelines
• Income Tax Act: Tax advisory services comply with Income Tax Act and Rules
• Companies Act: Corporate services comply with Companies Act, 2013
• Professional Standards: Services follow relevant professional body standards

11. Website Use and Intellectual Property

Website Terms

• Permitted Use: Website is for informational purposes and service engagement
• Restrictions: No unauthorized use, copying, or distribution of content
• Accuracy: Information provided is general in nature and may not be current
• Links: External links are provided for convenience; we don't endorse third-party content

Intellectual Property

• All website content, logos, and materials are our intellectual property
• Clients retain ownership of their data and documents
• We may use aggregated, anonymized data for business purposes

12. Disputes and Governing Law

Dispute Resolution

• Direct Discussion: Initial disputes should be addressed through direct communication
• Mediation: Unresolved disputes may be referred to mediation
• Arbitration: Final disputes may be resolved through arbitration
• Legal Proceedings: Court proceedings as a last resort

Governing Law

These Terms are governed by Indian law, and courts in Mumbai, Maharashtra have exclusive jurisdiction.

13. Anti-Money Laundering and KYC

We are committed to preventing money laundering and terrorist financing:

• KYC Requirements: All clients must complete Know Your Customer procedures
• Documentation: Valid identification and address proof required
• Ongoing Monitoring: Regular review of client relationships and transactions
• Suspicious Transactions: Obligation to report suspicious activities to authorities
• Record Keeping: Maintenance of transaction records as per regulatory requirements

14. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, government actions, pandemics, strikes, technical failures, or other force majeure events.

15. Amendments

We may update these Terms from time to time. Material changes will be communicated to clients, and continued use of our services constitutes acceptance of updated Terms. Current Terms are always available on our website.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Contact Information

For questions about these Terms or our services, please contact us: