Terms & Conditions.

Last updated: 3 October 2026

These Terms and Conditions (“Terms”) govern your access to and use of ajassociatesonline.com (“the Website”), operated by AJ Associates (“the Firm”, “we”, “us”). By using the Website you agree to these Terms and to our Privacy policy. If you do not agree, please discontinue use.

Informational content and disclaimer

The content of the Website, including service descriptions, packages, compliance dates, guides, checklists, calculators and estimates, is provided for general information only. It does not constitute legal, tax, audit, accounting, investment or financial advice and should not be relied upon in place of advice specific to your circumstances. Laws and due dates change frequently, and we do not warrant that the content is complete, accurate or current. We may amend or remove content at any time without notice.

No professional relationship

Use of the Website, or sending an enquiry or message, does not create a client or professional relationship. Such a relationship arises only on the execution of a written engagement letter setting out the scope, responsibilities and fees. Until then, please do not send confidential or privileged information.

Estimates, calendars and packages

The tax estimate and compliance calendar are indicative. They do not account for deductions, exemptions, other income, surcharge, category or turnover, and statutory dates may be extended or amended. Packages describe the scope we typically recommend and do not constitute an offer or quotation. The final scope and fees are subject to written confirmation by the Firm, and statutory fees and out-of-pocket expenses are additional unless stated otherwise in writing. Please verify the current position with the Firm or another qualified professional before acting.

Testimonials and third-party content

Testimonials reflect the individual experience of the persons concerned and do not guarantee any outcome. The Website may link to or embed third-party content. This is provided for convenience, and the Firm does not control or accept responsibility for it.

Intellectual property

All content on the Website, including text, graphics, illustrations, logos and design, is the property of the Firm or its licensors and is protected by applicable intellectual property laws. It may not be copied, reproduced, republished, distributed, scraped or exploited commercially without our prior written permission.

Acceptable use

You agree to use the Website only for lawful purposes and not to interfere with its operation or security, attempt unauthorised access, introduce malicious code, extract content by automated means, or submit false, misleading or unlawful information. By submitting an enquiry you agree that we may respond by telephone, email or messaging application. Electronic communications may not be secure, and we cannot guarantee their confidentiality.

Accessibility

We aim for the Website to be usable by everyone, including persons with disabilities, and to conform to the Web Content Accessibility Guidelines (WCAG) 2.2 at Level AA. Third-party content, such as embedded maps, is outside our control. If you have difficulty accessing any information or service, write to info@ajassociatesonline.com or call +91 62824 06091, and we will provide it in an accessible alternative or assist you directly. Accessibility concerns are handled under the grievance procedure in our Privacy policy.

Availability, warranties and liability

The Website is provided on an “as is” and “as available” basis. We do not guarantee uninterrupted or error-free access and may suspend or restrict access at any time. To the fullest extent permitted by law, the Firm, its partners, employees and associates are not liable for any direct, indirect, incidental, special or consequential loss, including loss of profit, data or goodwill, arising from use of, or inability to use, the Website or reliance on its content. Nothing in these Terms excludes liability that cannot be excluded under applicable law.

Indemnity and severability

You agree to indemnify the Firm against any claim, loss or expense arising from your breach of these Terms or misuse of the Website. If any provision is held invalid or unenforceable, the remaining provisions continue in full force, and our failure to enforce a provision is not a waiver of it.

Governing law and jurisdiction

These Terms are governed by the laws of India, and the courts at Kochi, Kerala have exclusive jurisdiction over any dispute arising out of or in connection with them.

Amendments and contact

We may amend these Terms by publishing the revised version on the Website. The date above shows when they were last updated, and continued use constitutes acceptance. Questions may be sent to info@ajassociatesonline.com. Complaints are handled under the grievance procedure in our Privacy policy.