Terms and Conditions

Introduction

Welcome to BizFinLabs, a division of VCXOS Management and Technologies LLP. These Terms and Conditions govern your use of our website, services, and any related offerings. By accessing our website at bizfinlabs.com or engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

If you do not agree with any part of these terms, you must not use our services. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.

Definitions

For the purposes of these Terms and Conditions:

• "Company," "We," "Us," or "Our" refers to VCXOS Management and Technologies LLP, operating under the brand name BizFinLabs
• "Client," "You," or "Your" refers to the individual or entity accessing or using our services
• "Services" refers to all products, services, and solutions provided by BizFinLabs, including Virtual CFO services, technology consulting, and digital transformation advisory
• "Website" refers to bizfinlabs.com and all associated pages and platforms

Service Offerings

BizFinLabs provides comprehensive business finance and technology services, including but not limited to:

• Virtual CFO (Chief Financial Officer) services
• Financial planning and analysis
• Technology strategy and digital transformation consulting
• Business process optimization
• Financial systems implementation and integration
• Strategic business advisory
• Compliance and risk management support

Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of services.

Client Engagement Terms

Engagement Agreement

All services are provided pursuant to a written engagement agreement or proposal. The specific terms, scope, deliverables, timelines, and fees for each engagement will be outlined in a separate service agreement that both parties must execute before work commences.

Client Responsibilities

As a client, you agree to:

• Provide accurate, complete, and timely information necessary for service delivery
• Cooperate with our team and respond to requests in a timely manner
• Designate an authorized representative for decision-making
• Maintain confidentiality of sensitive business information shared by us
• Comply with all applicable laws and regulations
• Pay all fees according to the agreed payment terms

Free CXO Audit

Our complimentary CXO Audit is provided as an introductory assessment and does not constitute a binding commitment to engage our services. The audit results are for informational purposes only and should not be considered as professional advice without a formal engagement.

Fees and Payment Terms

Service Fees

Fees for our services will be specified in individual engagement agreements. Unless otherwise stated:

• All fees are quoted in Indian Rupees (INR) unless specified otherwise
• Fees are exclusive of applicable taxes, which will be added as per Indian tax laws
• Payment terms are typically Net 30 days from invoice date unless otherwise agreed
• We accept payment via bank transfer, checks, or other mutually agreed methods

Late Payment

Late payments may incur interest charges at the rate of 1.5% per month or the maximum rate permitted by law, whichever is lower. We reserve the right to suspend services for accounts with overdue payments exceeding 30 days.

Refund Policy

Fees paid for services rendered are generally non-refundable. In cases where services are terminated early by mutual agreement, refunds will be determined on a case-by-case basis considering work completed and expenses incurred.

Intellectual Property Rights

Our Intellectual Property

All content, materials, methodologies, frameworks, tools, software, and intellectual property developed by BizFinLabs remain our exclusive property. This includes:

• Proprietary frameworks and methodologies
• Software tools and applications
• Templates, models, and analysis tools
• Training materials and documentation
• Branding, logos, and marketing materials

You may not reproduce, distribute, modify, or create derivative works from our intellectual property without explicit written permission.

Client Work Product

Deliverables specifically created for you under an engagement agreement become your property upon full payment. However, we retain the right to:

• Use generalized insights and learnings for future client work
• Reference the engagement in case studies (with your permission)
• Retain copies of work product for our records

Confidentiality

We understand the sensitive nature of business information. Both parties agree to:

• Maintain confidentiality of all proprietary and sensitive information shared during the engagement
• Use confidential information solely for the purposes of the engagement
• Not disclose confidential information to third parties without prior written consent
• Return or destroy confidential information upon request or termination of services

Confidential information does not include information that is publicly available, independently developed, or required to be disclosed by law.

General Limitations

To the maximum extent permitted by applicable law:

• Our total liability for any claims arising from our services shall not exceed the fees paid by you for the specific services giving rise to the claim
• We are not liable for any indirect, incidental, consequential, special, or punitive damages
• We are not responsible for losses resulting from your failure to follow our recommendations
• We are not liable for damages caused by third-party services or systems

Professional Services Disclaimer

Our services are advisory in nature. While we strive for accuracy and quality:

• We do not guarantee specific business outcomes or results
• Recommendations are based on information provided by you and market conditions at the time
• You are responsible for making final business decisions
• We are not responsible for the actions or inactions of your organization in implementing our recommendations

Warranties and Disclaimers

Our Warranties

We warrant that:

• Services will be performed in a professional and workmanlike manner
• Our team possesses the necessary skills and qualifications
• We will comply with applicable laws and professional standards

Disclaimer of Other Warranties

Except as expressly stated, our services are provided "as is" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Indemnification

You agree to indemnify, defend, and hold harmless BizFinLabs, VCXOS Management and Technologies LLP, and our directors, officers, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from:

• Your breach of these Terms and Conditions
• Your violation of any applicable law or regulation
• Your infringement of any third-party rights
• Your misuse of our services or recommendations
• Inaccurate or incomplete information provided by you

Termination

Termination by Either Party

Either party may terminate an engagement by providing written notice as specified in the engagement agreement. Unless otherwise stated, a minimum of 30 days' written notice is required.

Immediate Termination

We reserve the right to terminate services immediately if:

• You breach any material term of these Terms and Conditions
• Payment is more than 60 days overdue
• You engage in illegal or unethical conduct
• Continuing the engagement would violate applicable laws or professional standards

Effect of Termination

Upon termination, you must pay all outstanding fees for services rendered up to the termination date. Provisions regarding confidentiality, intellectual property, and limitation of liability survive termination.

Website Usage Terms

Acceptable Use

When using our website, you agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the website's functionality
• Upload malicious code or viruses
• Harvest or collect user information
• Reproduce, duplicate, or copy content without permission
• Use automated systems to access the website without authorization

Links to Third-Party Sites

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk.

Dispute Resolution

Good Faith Negotiations

In the event of any dispute arising from these Terms and Conditions or our services, both parties agree to first attempt to resolve the matter through good faith negotiations.

Arbitration

If negotiations fail, disputes shall be resolved through arbitration in accordance with the Arbitration and Conciliation Act, 1996 of India. The arbitration shall be conducted in Bengaluru, Karnataka, India, and the proceedings shall be in English.

Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of India. The courts of Bengaluru, Karnataka, India shall have exclusive jurisdiction over any disputes that cannot be resolved through arbitration.

Force Majeure

Neither party shall be liable for any failure or delay in performance due to circumstances beyond their reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, government actions, pandemics, or failures of third-party services. During such events, the affected party's obligations shall be suspended for the duration of the force majeure event.

General Provisions

Entire Agreement

These Terms and Conditions, together with any engagement agreement, constitute the entire agreement between you and BizFinLabs regarding the use of our services and supersede all prior agreements and understandings.

Amendments

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Waiver

No waiver of any term or condition shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms and Conditions shall not constitute a waiver of such right or provision.

Assignment

You may not assign or transfer these Terms and Conditions or any rights or obligations hereunder without our prior written consent. We may assign our rights and obligations without restriction.

Notices

All notices under these Terms and Conditions must be in writing and sent to the addresses provided in the Contact section below. Notices sent by email are deemed received within 24 hours of transmission.

Contact Information

For questions regarding these Terms and Conditions or our services, please contact us: