Disclaimer

Effective date: September 6, 2025

The content provided on koshadhyaksh.com (the “Website”) is for general informational and educational purposes only.
The Website publishes articles, guides, opinions and other material related to personal finance, banking, investing, taxation and related topics.
Nothing on this Website constitutes professional financial, investment, legal, tax or accounting advice.

Not Financial Advice

All information, including but not limited to articles, blog posts, videos, tools, calculators and comments, is for general knowledge and
does not constitute personalized financial advice. You should not rely on the information on this Website for making investment or other financial decisions.
Always consult a qualified financial advisor, tax professional, legal advisor, or other professional before acting on any information published on the Website.

No Warranties — Accuracy & Completeness

While we endeavor to keep the information on the Website accurate and up-to-date, koshadhyaksh.com makes no representations or warranties of any kind,
express or implied, regarding the accuracy, adequacy, completeness, timeliness, reliability or suitability of the information for any purpose.
Use of the Website and reliance on any information provided is solely at your own risk.

Investment Risk

Investing in securities, cryptocurrencies, commodities or any financial instruments involves risk of loss. Past performance is not indicative of future results.
You may lose part or all of your invested capital. Do your own research and obtain independent professional advice before making any investment decisions.

External Links & Third-Party Content

The Website may contain links to third-party websites, resources and services. These links are provided for convenience and informational purposes only.
We do not control such third-party content and are not responsible for its accuracy, legality or any consequences of using it.

Affiliate Disclosures & Sponsored Content

From time to time we may participate in affiliate programs or publish sponsored content. This means we may earn a commission or receive compensation
if you click on certain links or purchase products via links on our Website. Such relationships do not influence our editorial content and we will
clearly disclose any commercial relationships in articles where applicable.

No Professional-Client Relationship

Your use of this Website does not create a professional-client relationship between you and koshadhyaksh.com or its authors. Any interaction via comments,
email, or other communication channels does not constitute personalized advice unless an explicit written agreement states otherwise.

Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall koshadhyaksh.com, its owners, employees, contributors or partners
be liable for any direct, indirect, incidental, consequential, special or punitive damages arising out of or in connection with your access to,
use of, or inability to use the Website or reliance on any content provided on the Website.

Governing Law

This Disclaimer and your use of the Website shall be governed by and construed in accordance with the laws of India, without regard to conflict of laws principles.
Any dispute arising under or in connection with this Disclaimer shall be subject to the exclusive jurisdiction of the courts located in India,
except where mandatory local law requires otherwise.

Changes to This Disclaimer

We may update this Disclaimer from time to time. When material changes are made, we will post the updated Disclaimer with a revised effective date.
Continued use of the Website after updates constitutes acceptance of the revised Disclaimer.

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