Privacy Policy, Terms of Service & Disclaimer

1. Introduction

This page explains the Privacy Policy, Terms of Service, and Disclaimer for the website of ARM Financial Consultants, located at 6th Floor, Ruby Plaza, Vellayambalam Road, Trivandrum – 695010, Kerala, India (“we”, “us”, “our”). By using this website, you agree to these terms. If you do not agree, please do not use this site.​

2. Privacy Policy

2.1 Information We Collect

When you contact us through forms, email, or phone, we may collect:

• Name

• Email address

• Phone number

• Company/organisation name

• Details about your enquiry or business needs

We also collect basic technical data such as IP address and browser information through standard analytics tools.​

2.2 How We Use Your Information

We use your information to:

• Respond to enquiries and provide our services

• Schedule consultations and manage client relationships

• Improve our website and communications

• Meet legal, regulatory, and compliance obligations​

We do not sell your personal data to third parties.

2.3 Data Sharing

We may share your information with:

• Our internal team and authorised service providers

• Our professional partner firm(s), such as Anu P & Co, Chartered Accountants, when required to address your enquiry and with your knowledge

• Authorities where required by law or regulation​

All such parties are expected to handle data in a professional and confidential manner.

2.4 Data Retention

We retain your data for as long as needed to fulfil the purposes above or as required by law and professional regulations.​

2.5 Your Rights

Subject to applicable law, you may request:

• Access to the personal data we hold about you

• Correction or updating of your details

• Deletion or restriction of certain information (where legally possible)

To exercise these rights, contact us at: info.armfin@gmail.com.​

3. Terms of Service

3.1 Use of This Website

The content on this website is for general information and marketing purposes only. It does not constitute financial, legal, tax, or accounting advice. You agree to use the website lawfully and not to interfere with its operation or security.​

3.2 No Client Relationship by Website Use

Viewing this website or sending an initial message does not create a client–consultant or client–advisor relationship. A formal engagement begins only when both parties agree in writing on scope, fees, and terms.​

3.3 Intellectual Property

All text, graphics, logos, layouts, and other content on this website are owned by or licensed to ARM Financial Consultants, unless stated otherwise. You may not copy, reproduce, or redistribute content without prior written consent.​

3.4 Third-Party Links

This website may contain links to third-party sites (including partner firms and resources). These links are provided for convenience, and we do not control or endorse the content, security, or practices of those websites. You access them at your own risk.​

3.5 Changes to Website and Terms

We may update website content, services, and these terms at any time without prior notice. Continued use of the website after changes means you accept the updated terms.​

4. Disclaimer

4.1 No Professional Advice

Content on this website is general information only and should not be relied on as a substitute for professional financial, tax, legal, or accounting advice. You should obtain specific advice tailored to your situation before acting on any information.​

4.2 No Guarantees or Warranties

While reasonable efforts are made to keep information accurate and up to date, we do not warrant that the content is complete, error‑free, or suitable for every purpose. We make no guarantees regarding outcomes, results, or performance based on the use of this site or services described here.​

4.3 Limitation of Liability

To the maximum extent permitted by law, ARM Financial Consultants and its team are not liable for any loss, damage, or costs arising from:

• Use of, or inability to use, this website

• Reliance on any information published here

• Accessing third‑party websites through links on this site​

This limitation applies to direct, indirect, incidental, consequential, or special damages, even if we have been advised of the possibility of such damages.

5. Partner Firms and Independence

ARM Financial Consultants may collaborate with independent professional firms, such as Anu P & Co, Chartered Accountants, for specialised services (for example, tax filing, audit, or statutory compliance). Each firm operates as a separate legal and professional entity. Engagements with such firms may be subject to separate terms and conditions directly between you and that firm.​

6. Governing Law and Jurisdiction

These terms are governed by the laws of India. Any disputes related to this website or its use shall be subject to the jurisdiction of the competent courts in Thiruvananthapuram, Kerala, to the extent permitted by law.​

7. Contact Details for Legal/Privacy Queries

For questions about this Privacy Policy, Terms of Service, or Disclaimer, you can contact:

ARM Financial Consultants
6th Floor, Ruby Plaza, Vellayambalam Road
Trivandrum – 695010, Kerala, India
Email: info.armfin@gmail.com
Phone: +91 854‑751‑2223​