1. Acceptance of Terms

By accessing or using any services provided by Kurakulas Finance Company ("Company", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). These Terms apply to all visitors, users, and others who access or use the Service.

2. Service Description

Kurakulas Finance Company provides financial advisory, investment management, portfolio analysis, and related financial services. Our services include but are not limited to:

• Personal financial planning
• Investment portfolio management
• Retirement planning
• Tax planning strategies
• Risk management and insurance planning
• Estate planning consultation

3. Client Responsibilities

As a client of Kurakulas Finance Company, you agree to:

4. Fees and Payment

Our fee structure is as follows:

• Consultation Fee: ₹2,500 per hour for initial consultations
• Management Fee: 1-2% of assets under management annually
• Project Fees: Fixed fees for specific financial planning projects

All fees are exclusive of applicable taxes. Payment is due within 15 days of invoice date. Late payments may be subject to interest charges at 1.5% per month.

5. Intellectual Property Rights

All financial plans, reports, analyses, and other materials provided to you ("Deliverables") are for your personal use only. You may not reproduce, distribute, or commercially exploit any Deliverables without our prior written consent.

6. Confidentiality

Both parties agree to maintain the confidentiality of all non-public information shared during the engagement. This obligation survives termination of our relationship.

7. Limitation of Liability

To the maximum extent permitted by law, Kurakulas Finance Company shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the services
• Any conduct or content of any third party related to the services
• Any content obtained from the services
• Unauthorized access, use or alteration of your transmissions or content

8. Termination

Either party may terminate this agreement with 30 days written notice. Upon termination:

• All outstanding fees become immediately due
• We will provide a final accounting of your portfolio
• Confidentiality obligations continue as specified

9. Dispute Resolution

Any disputes arising from these Terms shall be resolved through binding arbitration in Hyderabad, India in accordance with the Arbitration and Conciliation Act, 1996. The arbitration shall be conducted in English.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of India, without regard to its conflict of law provisions.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide at least 30 days notice prior to any new terms taking effect.

12. Definitions