Terms of Engagement

1. Introduction

These Terms of Engagement ("Terms") govern the advisory relationship between TiruMani Advisors LLP ("Tirumani Advisors", "we", "our", or "us") and our clients ("Client", "you"). By engaging our services, you agree to be bound by these Terms, which form the basis of our professional agreement.

2. Scope of Services

Tirumani Advisors provides strategic investment, wealth structuring, and business advisory services as specifically agreed upon in your Engagement Letter or Service Agreement. Services may include, but are not limited to:

• Investment portfolio review and strategy formulation
• Wealth structuring and succession planning advisory
• Business expansion and capital market advisory
• Family office governance and structure

Our role is strictly advisory. We do not hold client funds, execute trades directly, or guarantee specific investment outcomes. Decisions to act upon our recommendations rest solely with the Client.

3. Client Responsibilities

To enable us to provide effective advice, you agree to:

• Provide accurate, complete, and timely information regarding your financial situation, objectives, and risk tolerance.
• Notify us promptly of any material changes to your financial circumstances or goals.
• Review our recommendations and ask questions to ensure you understand the rationale and risks involved.

4. Confidentiality

We maintain strict confidentiality regarding all Client information. We will not disclose your personal or financial information to third parties without your explicit consent, except as required by law or as necessary to facilitate services with trusted partners (e.g., legal counsel, custodians) under strict confidentiality agreements.

5. Fees and Payment

Professional fees for our services are outlined in the Engagement Letter. Fees may be structured as fixed retainers, project-based fees, or outcome-based success fees, depending on the nature of the engagement. All invoices are due and payable within the timeframe specified in the invoice.

6. Limitation of Liability

While we exercise professional due diligence and care, Tirumani Advisors serves in an advisory capacity only. We are not liable for investment losses, market volatility, or the outcome of business decisions made by the Client based on our advice. Past performance of any strategy is not indicative of future results.

7. Conflict of Interest

We are committed to acting in your best interests. Should any potential conflict of interest arise (e.g., referral arrangements or related-party transactions), we will disclose it fully and seek your consent before proceeding.

8. Termination

Either party may terminate the engagement by providing written notice as specified in your Engagement Letter. Upon termination, fees will be pro-rated for services rendered up to the termination date.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in Kolkata, India.

10. Contact Information

If you have any questions regarding these Terms of Engagement, please contact us: