1. Introduction

Welcome to Chakra Financial & IT Solutions Pvt. Ltd. ("Chakra," "we," "us," or "our"). These Terms of Service ("Terms") govern your use of our website, services, and any related applications or platforms. By accessing or using our services, you agree to be bound by these Terms.

2. Acceptance of Terms

By accessing our website at chakrafinancialit.me 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.

3. Services Description

Chakra Financial & IT Solutions provides:

• Financial consulting and advisory services
• IT solutions and technology consulting
• Business process optimization
• Compliance and audit services
• Digital transformation services
• Other professional services as detailed on our website

4. User Obligations

When using our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your account credentials
• Use our services only for lawful purposes
• Comply with all applicable laws and regulations
• Respect intellectual property rights
• Not interfere with the security or proper functioning of our services

5. Professional Services

Our professional services are provided subject to separate service agreements. The delivery of services is contingent upon the execution of appropriate contracts that outline specific terms, deliverables, timelines, and payment schedules. All financial advice is based on information provided by clients and general market conditions.

6. Payment Terms

Payment terms for our services will be specified in individual service agreements. Generally, payments are due within 30 days of invoice date unless otherwise agreed. Late payments may be subject to interest charges as permitted by law. All fees are exclusive of applicable taxes, which will be added as required.

7. Intellectual Property

All content, trademarks, logos, and intellectual property on our website and in our services remain the property of Chakra Financial & IT Solutions Pvt. Ltd. or our licensors. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Confidentiality

We maintain strict confidentiality regarding all client information and business relationships. We expect the same level of confidentiality from our clients regarding our proprietary methodologies, processes, and any confidential information shared during our engagement.

9. Limitation of Liability

To the maximum extent permitted by law, Chakra Financial & IT Solutions shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount paid by you for the specific service giving rise to the claim.

10. Disclaimers

Our services are provided "as is" without warranties of any kind. While we strive to provide accurate and timely advice, we cannot guarantee specific outcomes. Financial markets and business conditions are subject to change, and past performance does not guarantee future results.

11. Termination

Either party may terminate service agreements with appropriate notice as specified in individual contracts. We reserve the right to suspend or terminate access to our website or services for violation of these Terms or for any other reason at our discretion.

12. Governing Law

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

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

14. Contact Information

If you have any questions about these Terms of Service, please contact us: