This Terms of Use Agreement (the “Terms of Use” or “Agreement”) outlines the terms and conditions governing your access and use of the website of Ragavender & Associates (the “Website”). By accessing or using the Website or any content available through it (collectively, the “Content”), you signify your agreement to be bound by these Terms. Ragavender & Associates reserves the right to revise this Agreement at any time by posting updated Terms of Use on the Website. Your continued use of the Website after such changes will signify your acceptance of the revised Terms. Changes to this Agreement will not be applied retroactively. This Website is provided as a complimentary professional resource for clients, colleagues, and other stakeholders, offering general information about our services. The content on this Website is not intended to provide accounting, legal, financial, or other professional advice and should not be relied upon as such. Accessing or using the information on this Website does not establish a client relationship with Ragavender & Associates. Users are advised to seek specific professional advice before taking or refraining from any action based on the Content. Ragavender & Associates and its partners, associates, consultants, employees, agents, contractors or representatives (including authors or contributors of Website content) disclaim, to the fullest extent permitted by applicable law, any liability for loss or damage resulting from the use of or reliance on any information provided on the Website. Images, testimonials, or references on the Website, if any, are used solely for representational purposes and may include stock imagery or models not affiliated with Ragavender & Associates.

Changes:

Ragavender & Associates may make changes to the Website and the Content and/or the services described on the Website at any time without any prior notice.

Proprietary Rights

The Website and its Content, including but not limited to text, graphics, images, logos, and software, are the sole and exclusive property of Ragavender & Associates and/or its licensors. You agree not to reproduce, duplicate, copy, sell, resell, or exploit any part of the Website or its Content for any commercial purpose without the prior express written consent of Ragavender & Associates. You acknowledge and agree that, as between Ragavender & Associates and you, all rights, title, and interest in and to the Website and its Content are owned exclusively by Ragavender & Associates. Any use of the Website or its Content that is not explicitly permitted under these Terms is strictly prohibited.

Permitted Uses

Subject to your agreement and compliance with these Terms of Use, Ragavender & Associates grants you permission to access and view the Content for your personal, non-commercial use. This permission is limited, revocable, and does not transfer any ownership rights to you. You agree not to remove, alter, or modify any acknowledgments, credits, disclaimers, or legal notices included on the Website or in the Content. Certain features, services, or activities offered on the Website may be subject to additional terms and conditions. Such terms will be specified in connection with the applicable service or feature.

In the event of a conflict between these Terms and the specific terms for a service, the specific terms shall prevail.

Additional Restrictions

You agree to access the Website only through a standard web browser on a computer, tablet, or mobile device. Use of automated tools, scripts, bots, or other similar technologies to access the Website is strictly prohibited. Furthermore, you agree not to (i) Damage, disable, modify, overburden, or impair the Website or its functionality; (ii) Interfere with or disrupt the use and enjoyment of the Website by other users and (iii) Attempt to gain unauthorized access to any part of the Website or related systems, networks, or data. Any violation of these restrictions may result in termination of your access to the Website and appropriate legal action, if necessary.

Access to Website on Shared Devices

If you access this Website using a shared computer, mobile device, or any other shared resource, it is strongly recommended that you clear your browsing history, cookies, and cache from your web browser after each session. Doing so ensures that any subsequent users are prompted to review the Website’s disclaimer and accept these Terms of Use. Ragavender & Associates disclaims any liability arising from your failure to follow this recommendation or any unauthorized access or misuse of the Website resulting from non-compliance.

Links to Other Websites

This Website may contain links to third-party websites for your convenience. These linked websites are not under the control of Ragavender & Associates, and the Firm is not responsible for the content, accuracy, or availability of any information or materials provided on these external sites. The inclusion of such links does not imply endorsement or approval of the content, products, or services offered on the linked websites. Accessing and using these linked websites is solely at your own risk. Ragavender & Associates disclaims all liability for any loss or damage arising from your use of or reliance on content available on these third-party websites. You are encouraged to review the terms and conditions and privacy policies of these external websites before using them.

Maps Used on Our Website

Maps displayed on this Website are published by Google and used under an open license. The boundaries, names, and designations shown on these maps do not necessarily reflect the opinions or positions of Ragavender & Associates or its personnel regarding the legal status of any geographic region, frontier, or boundary. These maps are provided for general informational purposes only and should not be relied upon as definitive or legally binding representations.

Links to Our Website

You may not create a link to this Website without obtaining prior written consent from Ragavender & Associates. Unauthorized linking to this Website is strictly prohibited. If permission is granted, the link must not suggest any form of association, approval, or endorsement by Ragavender & Associates unless explicitly agreed in writing.

Disclaimers of Liability

The Website and all content available on the Website are provided on an “AS IS “and”AS AVAILABLE” basis without anywarranties, express or implied. This includes, but is not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Ragavender & Associates makes no representation or warranty regarding the accuracy, completeness, or reliability of any content on the Website. Users are solely responsible for verifying the accuracy of any information before relying on it. Use of the Website and its content is entirely at your own risk. Ragavender & Associates does not guarantee that access to the Website will be uninterrupted, error-free, or free of viruses or other harmful code. Users are responsible for implementing appropriate precautions to protect their systems and data from potential risks. To the fullest extent permitted by applicable law, Ragavender & Associates disclaims all liability, whether arising from contract, tort (including negligence), strict liability, or otherwise, for any lossesor damages,including but not limited to indirect, incidental, consequential, or special damages, arising from or in connection with access to or use of the Website or its content, even if advised of the possibility of such damages.

Indemnity

You agree to indemnify, defend, and hold harmless Ragavender & Associates, its partners, associates, consultants, employees, and authorized representatives from and against any claims, liabilities, losses, damages, costs, or expenses (including reasonable legal fees) arising out of or related to (i) your use of the Website or its content; (ii any breach of these Terms of Use by you and (iii) any violation of applicable laws or regulations as a result of your actions in connection with your use of the Website. This indemnification obligation will survive the termination of this Agreement and your use of the Website.

Copyright

Copyright © 2025 Ragavender & Associates.All rights reserved. This Website and its content, including but not limited to text, graphics, layout, design, and functionality, are protected by applicable copyright laws. Except as expressly authorized in these Terms of Use, you may not modify, reproduce, distribute, display, perform, or create derivative works based on any part of this Website without the prior written consent of Ragavender & Associates. Unauthorized use of the Website or its content may violate copyright, trademark, and other applicable laws and is strictly prohibited.

Notice and Procedures for Claims of Infringement

If you believe that your work has been copied or used on this Website in a manner that constitutes copyright infringement or that your intellectual property rights have been otherwise violated, please provide the following details to us via email or postal correspondence:

• An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or intellectual property being infringed.
• A description of the copyrighted work or intellectual property that you claim has been infringed.
• A description of the location on the Website where the alleged infringing material is located (providing URLs or screenshots is helpful).
• Your name, address, telephone number, and email address.
• A signed statement affirming that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
• A statement, made under penalty of perjury, that the information provided in your notice is accurate and that you are the copyright or intellectual property owner, a licensee, or authorized to act on their behalf.

You can contact us at:

Ragavender & Associates

41/19, Kripasankari Street,

West Mambalam, Chennai – 600 033 Email: ragav@raca.in

Phone: 04435592974

(Please include “Copyright Infringement” or other appropriate subject in the subject line for email correspondence.)

Termination of Access

Ragavender & Associates reserves the right, at its sole discretion, to disable or terminate the use of or access to the Website by users who infringe upon the intellectual property rights of others or of Ragavender & Associates.

Privacy Policy

By agreeing to these Terms of Use, you acknowledge and consent to the collection, use, and disclosure of your information by Ragavender & Associates as described in our Privacy Policy. The Privacy Policy is available on this Website and provides detailed information about how we handle your data in compliance with applicable laws.

Data Processing

Refer to our Privacy Policy available on the Website.

Miscellaneous

• Severability: If any provision of these Terms is found to be illegal, invalid, or unenforceable, such provision shall be deemed severable and will not affect the validity and enforceability of the remaining provisions, which shall remain in full force and effect.
• Headings: The headings used in these Terms are for reference purposes only and do not define, limit, construe, or describe the scope or extent of any section.
• No Waiver: The failure of Ragavender & Associates to act or delay in acting with respect to any breach of these Terms by you or others shall not constitute a waiver of the Firm’s rights to act with respect to the same, subsequent, or similar breaches.
• Entire Agreement: These Terms of Use constitute the entire understanding and agreement between you and Ragavender & Associates with respect to the use of the Website and supersede any prior agreements, understandings, or arrangements, whether written or oral, relating to the subject matter herein.
• Limitation of Action: Any cause of action or claim you may have arising out of or relating to these Terms or the use of the Website must be initiated within one (1) month after the claim or cause of action arises; otherwise, such claim or cause of action is permanently barred.
• Assignment: You may not assign or transfer your rights or obligations under these Terms without the prior written consent of Ragavender & Associates. Any attempted assignment or transfer in violation of this provision shall be null and void.
• Remedies: Ragavender & Associates reserves the right to pursue all remedies available under law and equity for any violations of these Terms or the rules and policies set forth on the Website, including, without limitation, the right to block access to the Website from specific internet addresses.

If you have any questions, concerns, or suggestions regarding this Terms of Use Agreement, please contact as indicated under Copyright.