Terms and Conditions

Terms and Conditions

Effective Date: September 24, 2025
Last Updated: September 24, 2025

1. Introduction and Acceptance

These Terms and Conditions (“Terms”) govern your access to and use of the website pratyushprasad.co.in (the “Website”) operated by Pratyush Prasad (“we,” “us,” or “our”). By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations.

If you do not agree with any part of these Terms, please discontinue use of the Website immediately.

2. About This Website

This Website serves as a professional portfolio and educational platform for Pratyush Prasad, an investment banking aspirant and finance professional. The Website contains:

• Professional experience and qualifications
• Educational articles and analysis on finance topics
• Market commentary and case studies
• Contact information for professional inquiries
• Resources related to investment banking and financial markets

3. No Investment or Financial Advice

IMPORTANT DISCLAIMER: All content on this Website is provided for educational and informational purposes only. Nothing on this Website constitutes:

• Investment advice or recommendations
• Financial, legal, or tax advice
• Personalized investment strategies
• Solicitation to buy or sell securities
• Professional advisory services

SEBI Compliance: The Website owner is not a SEBI-registered Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013. Under Indian law, only SEBI-registered professionals may provide investment advice. Any content that appears advisory in nature is purely educational and should not be construed as investment recommendations.

User Responsibility: Users must conduct their own research and consult qualified, SEBI-registered financial advisers before making investment decisions. Past performance data and case studies are for illustrative purposes only and do not guarantee future results.

4. Acceptable Use

You agree to use the Website only for lawful purposes and in accordance with these Terms. You may not:

• Use the Website for any illegal or unauthorized purposes
• Attempt to gain unauthorized access to any part of the Website
• Interfere with or disrupt the Website’s functionality
• Upload or transmit viruses, malware, or other harmful code
• Harvest or collect personal information of other users
• Use automated systems to access the Website excessively
• Reproduce, distribute, or commercially exploit Website content without permission
• Engage in activities that could damage our reputation or business

5. Intellectual Property Rights

5.1 Website Content

All content on this Website, including but not limited to:

• Text, articles, and written materials
• Images, graphics, and visual elements
• Logo and branding elements
• Website design and layout
• Code and technical implementations

is owned by or licensed to Pratyush Prasad and is protected by Indian and international copyright, trademark, and other intellectual property laws.

5.2 Limited License

You are granted a limited, non-exclusive, non-transferable license to access and use the Website content for personal, non-commercial purposes only. This license does not include the right to:

• Download, copy, or reproduce content for commercial use
• Modify, adapt, or create derivative works
• Distribute or republish content without written permission
• Remove or alter copyright notices or attributions

6. User-Generated Content

6.1 Comments and Submissions

If you submit comments, feedback, or other content through the Website, you:

• Retain ownership of your content but grant us a non-exclusive license to use it
• Represent that you have the right to submit such content
• Agree that your content will not violate any laws or third-party rights
• Understand that we may moderate, edit, or remove content at our discretion

6.2 Content Standards

All user-generated content must:

• Be respectful and professional in tone
• Not contain offensive, defamatory, or inappropriate material
• Not infringe on intellectual property or privacy rights
• Not promote illegal activities or services
• Be relevant to the Website’s financial and professional themes

7. Third-Party Links and Services

The Website may contain links to third-party websites, services, or resources. These links are provided for convenience only and do not constitute endorsement. We are not responsible for:

• The content, accuracy, or availability of third-party websites
• Any transactions or interactions with third parties
• Privacy practices of external websites
• Any damages resulting from third-party services

Users access third-party links at their own risk and should review the applicable terms and privacy policies.

8. Privacy and Data Protection

Your privacy is important to us. The collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Website, you consent to our privacy practices as described in the Privacy Policy.

Key points include:

• We collect minimal personal information necessary for Website functionality
• Contact form submissions are used solely to respond to inquiries
• We comply with India’s Digital Personal Data Protection Act, 2023
• Analytics data is collected in aggregate form to improve Website performance

9. Electronic Communications

By using this Website and providing your contact information, you:

• Consent to receive electronic communications from us
• Acknowledge that electronic records are valid and enforceable under the Information Technology Act, 2000
• Agree that electronic signatures and contracts have the same legal effect as traditional paper documents
• Understand that we may communicate with you via email regarding your inquiries

10. Disclaimers

10.1 “As Is” Basis

The Website and all content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to:

• Merchantability and fitness for a particular purpose
• Accuracy, completeness, or reliability of content
• Uninterrupted or error-free operation
• Freedom from viruses or harmful components

10.2 Market Information

Any market data, financial information, or analysis presented on the Website:

• May contain errors or inaccuracies
• Should not be relied upon as the sole basis for financial decisions
• May be outdated or superseded by current market conditions
• Is provided for educational purposes only

10.3 External Factors

We do not warrant that:

• The Website will meet your specific requirements
• Access will be uninterrupted or secure
• Results from Website use will be accurate or reliable
• Defects will be corrected promptly

11. Limitation of Liability

To the maximum extent permitted by Indian law:

11.1 No Liability for Damages

We shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Use or inability to use the Website
• Reliance on Website content or information
• Unauthorized access to your personal information
• Technical failures or interruptions
• Third-party actions or content

11.2 Maximum Liability

Where liability cannot be excluded under applicable law, our total liability shall not exceed the amount you paid to access the Website (which is typically zero for free access).

11.3 User Responsibility

You acknowledge that:

• Internet usage carries inherent security risks
• You are responsible for implementing appropriate security measures
• Any investment decisions are made at your own risk
• Professional advice should be sought for important financial matters

12. Indemnification

You agree to defend, indemnify, and hold harmless Pratyush Prasad and associated parties from any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

• Your use of the Website
• Violation of these Terms
• Infringement of third-party rights
• Any content you submit or transmit
• Your reliance on Website information for financial decisions

13. Termination

13.1 Termination Rights

We reserve the right to:

• Terminate or suspend your access without notice
• Modify or discontinue the Website at any time
• Remove or disable content that violates these Terms
• Take legal action for Terms violations

13.2 Effect of Termination

Upon termination:

• Your right to access the Website ceases immediately
• All restrictions and limitations continue to apply
• Provisions regarding intellectual property, disclaimers, and liability survive
• You remain liable for any breaches that occurred before termination

14. Modifications

14.1 Terms Updates

We reserve the right to modify these Terms at any time. Changes will be effective when:

• Posted on the Website with a new “Last Updated” date
• Reasonable notice is provided for material changes
• You continue to use the Website after changes take effect

14.2 Website Changes

We may modify, update, or discontinue any aspect of the Website without prior notice, including:

• Content, features, or functionality
• Terms of access or use
• Technical requirements or compatibility

15. Governing Law and Jurisdiction

15.1 Applicable Law

These Terms are governed by the laws of India, including but not limited to:

• The Information Technology Act, 2000
• The Digital Personal Data Protection Act, 2023
• The Contract Act, 1872
• Consumer protection laws where applicable

15.2 Dispute Resolution

Any disputes arising from these Terms or Website use shall be subject to:

• Preferred Resolution: Good faith negotiation and mediation
• Jurisdiction: Courts in Bokaro Steel City, Jharkhand, India
• Language: Proceedings shall be conducted in English
• Costs: Each party bears their own legal costs unless otherwise awarded

16. Severability and Waiver

16.1 Severability

If any provision of these Terms is held invalid, illegal, or unenforceable:

• The remaining provisions continue in full force
• Invalid provisions shall be modified to achieve the intended effect
• The overall agreement remains binding and effective

16.2 Waiver

• No waiver of any Term shall constitute a continuing waiver
• Failure to enforce any provision does not constitute a waiver
• Waivers must be in writing and signed to be effective

17. Professional Standards and Ethics

As a finance professional, we maintain high standards of:

• Integrity: All content is prepared with honesty and accuracy
• Transparency: Clear disclosure of limitations and potential conflicts
• Professionalism: Adherence to industry best practices and ethical standards
• Continuous Learning: Regular updates to knowledge and skills
• Regulatory Compliance: Adherence to SEBI guidelines and Indian financial regulations

18. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including:

• Natural disasters or acts of God
• Government actions or regulatory changes
• Internet or telecommunications failures
• Cyber attacks or security breaches
• Pandemics or other health emergencies

19. Entire Agreement

These Terms, together with the Privacy Policy and any additional agreements:

• Constitute the entire agreement between you and us
• Supersede all prior negotiations, representations, or agreements
• May not be modified except as provided herein
• Are binding upon successors and assigns

20. Contact Information

For questions, concerns, or notices regarding these Terms:

Contact Details:

• Name: Pratyush Prasad
• Email: connect.pratyushp@gmail.com
• Phone: +91 74394 82032
• Location: Bengaluru, Karnataka, India

Professional Focus: Investment Banking Aspirant & Finance Professional specializing in valuation, mergers and acquisitions (M&A), and capital markets.

Response Time: We aim to respond to inquiries within 48-72 hours during business days.

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Acknowledgment: By using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Legal Notice: These Terms are designed to comply with Indian law and protect both users and the Website operator. For specific legal advice, consult qualified legal counsel.

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