Terms of Use

1. Acceptance

By accessing phanibharadwaz.com ("the Website"), you agree to these Terms of Use and to our Privacy Policy. If you do not agree, please do not use the Website. Phani Bharadwaz & Associates ("the Firm") may revise these terms at any time; the version published here is the one in force.

2. Informational purpose — no solicitation, no advice

The Website is intended solely to provide general information about the Firm, its areas of practice, and developments in accounting, tax, and allied law. In keeping with the guidelines of the Institute of Chartered Accountants of India (ICAI), this Website is not intended to advertise or solicit work. You have reached it of your own accord, seeking information about us.

Specifically:

• Nothing on the Website — including articles under Insights and posts under Notes — constitutes professional, legal, tax, accounting, valuation, or investment advice.
• Browsing the Website, submitting a form, or corresponding with us does not create a client relationship with the Firm. A client relationship arises only on execution of an engagement letter.
• Content reflects the law and our understanding as on its date of publication. Tax law, accounting standards, and regulatory positions change frequently; we are under no obligation to update published content.
• For decisions on any specific matter, obtain advice from a qualified professional engaged on your facts.

3. Intellectual property

All content on the Website — text, articles, design, graphics, the PB&A wordmark — belongs to the Firm unless otherwise indicated. You may read, download, and print content for personal, non-commercial reference, and quote brief excerpts with attribution and a link to the source page. You may not republish, scrape, or commercially exploit content without our prior written consent.

4. Acceptable use

You agree not to misuse the Website — including attempting to breach its security, submitting forms with false identity or automated tools, transmitting malware, or using the Website in any way that violates applicable law, including the Information Technology Act, 2000.

5. Estimates and calculators

Any fee estimate, indicative figure, or calculator output provided through the Website is preliminary and non-binding. Final scope and fees are confirmed only in an engagement letter.

6. Third-party links and services

The Website may link to external sites (for example, LinkedIn) and relies on third-party services for hosting, fonts, and form delivery, as described in the Privacy Policy. We are not responsible for the content, availability, or practices of third parties.

7. Limitation of liability

The Website and its content are provided "as is", without warranties of any kind. To the maximum extent permitted by law, the Firm shall not be liable for any loss or damage — direct, indirect, or consequential — arising from your use of, or reliance on, the Website or its content.

8. Governing law and jurisdiction

These terms are governed by the laws of India. Courts at Bengaluru, Karnataka shall have exclusive jurisdiction over any dispute arising from or relating to the Website.

9. Contact

Questions about these terms may be addressed to cashanmukha@pbas.co.in.