TERMS & CONDITIONS

Effective Date: 15 August 2026

Welcome to Joshi Vantage.

These Terms & Conditions govern your access to and use of the Joshi Vantage website and the information, content and services made available through it.

By accessing or using this website, you acknowledge that you have read and understood these Terms & Conditions and agree to be bound by them.

1. About Joshi Vantage

Joshi Vantage provides professional finance advisory and business finance services, including:

• CFO Advisory
• Virtual CFO
• FP&A & Financial Planning
• Commercial Finance
• Profitability Improvement
• Cash Flow & Working Capital Management
• Finance Transformation
• Financial Reporting & Analysis
• Governance, Risk & Compliance
• AI-Powered Finance and Automation

Services may vary depending on the requirements of individual businesses and the scope agreed between Joshi Vantage and the client.

2. Website Information

The information provided on this website is intended for general informational purposes.

While we make reasonable efforts to keep information accurate and useful, we do not guarantee that all website content will always be complete, current or error-free.

Website content should not automatically be treated as personalised financial, investment, tax, accounting, legal or other professional advice.

3. No Automatic Client Relationship

Submitting an enquiry through the website, contacting Joshi Vantage or requesting a consultation does not automatically create a client-adviser relationship.

A professional engagement will begin only after the relevant terms, scope of services, responsibilities, fees and other applicable conditions have been mutually agreed upon.

4. Professional Services

Any advisory services provided by Joshi Vantage will be based on the agreed scope of work.

Depending on the engagement, services may include financial analysis, planning, forecasting, reporting, business performance analysis, commercial finance support, finance transformation or strategic financial guidance.

Specific deliverables, timelines and responsibilities will be determined separately where applicable.

5. Financial and Business Decisions

Information provided by Joshi Vantage is intended to support business decision-making.

Final business, financial, investment, commercial or operational decisions remain the responsibility of the client.

Clients should consider their own circumstances and obtain additional professional advice where appropriate.

6. AI and Technology-Enabled Services

Joshi Vantage may use technology, automation and AI-enabled solutions as part of certain finance services.

AI-generated or technology-assisted outputs may require human review, validation and business judgement.

Joshi Vantage does not represent that every technology-generated output will be completely accurate or error-free.

Clients remain responsible for reviewing and validating information before relying on it for important business decisions.

7. Intellectual Property

Unless otherwise stated, the content of this website, including:

• Text
• Graphics
• Images
• Logos
• Branding
• Layout
• Design elements
• Original materials

is owned by or licensed to Joshi Vantage and is protected by applicable intellectual property laws.

You may not reproduce, modify, distribute, publish, copy or commercially exploit website content without prior written permission.

8. Acceptable Website Use

You agree not to use this website to:

• Violate applicable laws or regulations
• Attempt unauthorised access to website systems
• Introduce malicious code or harmful software
• Interfere with website functionality
• Copy or reproduce website content without permission
• Misrepresent your identity or affiliation
• Use website information for unlawful purposes

9. Third-Party Links

The website may contain links to third-party websites or services.

These links are provided for convenience or informational purposes. Joshi Vantage does not necessarily control or endorse third-party websites and is not responsible for their content, security, availability or privacy practices.

Users should review the terms and privacy policies of third-party websites before using them.

10. Confidentiality

Where Joshi Vantage and a client enter into a formal professional engagement, confidentiality obligations may be governed by the applicable engagement agreement or other contractual terms.

Information submitted through a general website form should not be assumed to be subject to a formal client confidentiality agreement unless expressly agreed.

11. Fees and Engagement Terms

Any professional fees, payment schedules, deliverables, timelines and other commercial terms will be communicated and agreed separately with the client.

Website content does not constitute a quotation, offer or binding commitment to provide services on any particular terms.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Joshi Vantage shall not be responsible for losses arising solely from reliance on general information published on this website.

Professional services are provided according to the agreed scope and applicable engagement terms.

Nothing in these Terms & Conditions is intended to exclude or limit liability where such exclusion or limitation is not permitted under applicable law.

13. Website Availability

We aim to keep the website available and functioning properly. However, we do not guarantee uninterrupted access.

The website may occasionally be unavailable due to maintenance, technical issues, updates, hosting problems or circumstances beyond our reasonable control.

14. Changes to These Terms

Joshi Vantage may update these Terms & Conditions from time to time.

Updated terms will be published on this page with a revised effective date. Your continued use of the website after an update may constitute acceptance of the updated terms, subject to applicable law.

15. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of India.

Any disputes shall be subject to the jurisdiction of the appropriate courts, subject to any applicable contractual dispute-resolution provisions.

16. Contact Us

If you have questions regarding these Terms & Conditions, please contact:

Joshi Vantage
Email: ramachandra.joshi@joshivantage.com

Phone / WhatsApp: +91 9663395329