Terms & Conditions.
Clear. Fair. Lawful.

Last Updated: 30 June 2026   |   Effective Date: 30 June 2026

These Terms & Conditions ("Terms") govern your access to and use of the website affluentconsultancy.in and all services offered by Affluent Consultancy Services ("ACS", "we", "us", or "our"), having its principal place of business at Kendrapara, Odisha, India.

By accessing our website, creating an account, or using our services, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our website or services.

1. Definitions

• "User" / "You" / "Data Principal" — any individual who accesses our website, creates an account, or uses our services
• "Services" — all services offered by ACS including website development, software solutions, consulting, compliance & taxation, digital marketing, SEO, social media management, hosting, and related digital services
• "Personal Data" — has the meaning assigned under the Digital Personal Data Protection Act, 2023
• "Account" — a registered customer account on our platform
• "Platform" — the website affluentconsultancy.in and its associated web applications and systems

2. Eligibility

To create an account or use our services, you must:

• Be at least 18 years of age, or have verifiable consent from a parent or lawful guardian if you are a minor under Indian law
• Have the legal capacity to enter into a binding contract under the Indian Contract Act, 1872
• Not be barred from using our services under any applicable law

By using our services, you represent and warrant that you meet all of the above eligibility requirements.

3. Account Registration and Security

When creating an account, you agree to:

• Provide accurate, complete, and truthful information including your full name, email address, and mobile number
• Keep your login credentials (email address and password) strictly confidential
• Notify us immediately at info@affluentconsultancy.in if you become aware of any unauthorised use of or access to your account
• Accept responsibility for all activity that occurs under your account

We reserve the right to suspend or terminate accounts where we reasonably suspect that information provided is inaccurate, incomplete, or fraudulent.

Session Security: Your login session will automatically expire after 20 minutes of inactivity to protect your account from unauthorised access.

4. Services

ACS provides professional services as described on our website. By engaging our services, you acknowledge that:

• Service timelines and deliverables are subject to the specific engagement agreement, scope of work, and your timely cooperation including document submission and approvals
• Service availability, features, pricing, and specifications may be updated from time to time
• Compliance and tax-related services (such as ITR filing, GST registration, etc.) are subject to the availability and functioning of relevant government portals which are outside our control
• ACS does not guarantee any specific outcome in respect of government approvals, tax assessments, or litigation

5. Payments

All payments for services must be made through the authorised payment gateway available on our platform. By making a payment, you agree that:

• Payments are processed by third-party payment gateway providers. ACS does not store your card numbers, CVV, UPI PIN, net banking credentials, or any other sensitive financial information
• You are responsible for ensuring that the payment amount and purpose are correct before confirming any transaction
• You will specify the purpose of payment accurately when prompted during the payment process, as this is recorded against your account for reference
• Payment disputes must be raised within 30 days of the transaction date by writing to info@affluentconsultancy.in with your Order ID
• Refunds, where applicable, are governed by our Refund Policy

6. Your Data Rights Under the DPDP Act, 2023

In accordance with the Digital Personal Data Protection Act, 2023, you have the following rights in relation to your personal data that we process:

• Right to Access: Request a summary of what personal data we hold about you and how it is being used
• Right to Correction: Request correction of inaccurate or incomplete personal data through your account settings or by contacting us
• Right to Erasure: Request deletion of your personal data when it is no longer necessary, subject to our legal retention obligations
• Right to Withdraw Consent: Withdraw your consent to data processing at any time; withdrawal will not affect prior lawful processing
• Right to Grievance Redressal: File a complaint with our Grievance Officer and receive a response within 30 days
• Right to Nominate: Nominate a person to exercise your data rights on your behalf in the event of your death or incapacity
• Right to Complain to the Data Protection Board: Escalate unresolved complaints to the Data Protection Board of India

To exercise your rights, please refer to our Privacy Policy or contact our Grievance Officer at info@affluentconsultancy.in.

7. Consent for Data Processing

By creating an account, you provide free, specific, informed, unconditional, and unambiguous consent for ACS to collect and process your personal data as described in our Privacy Policy. This consent is required for us to provide you with our services. You may withdraw consent at any time, though this may result in the inability to access or use certain services.

We do not use your personal data for any purpose beyond what is described in our Privacy Policy without obtaining fresh consent from you.

8. Acceptable Use

You agree not to use our platform or services to:

• Provide false, fraudulent, or misleading information
• Violate any applicable local, state, national, or international law or regulation
• Infringe upon the intellectual property rights of ACS or any third party
• Attempt to gain unauthorised access to our systems, databases, or customer data
• Introduce malicious code, viruses, or disruptive software into our systems
• Use our services for money laundering, fraud, or any other unlawful financial activity
• Harass, abuse, or harm any individual or entity

Violation of these acceptable use terms may result in immediate suspension or termination of your account and may be reported to appropriate law enforcement authorities.

9. Intellectual Property

All content on our platform including but not limited to the ACS logo, brand name, website design, text, graphics, software, and service descriptions is owned by or licensed to Affluent Consultancy Services. You are granted a limited, non-exclusive, non-transferable licence to access and use our website for the purpose of using our services. You may not copy, reproduce, modify, distribute, or create derivative works from any of our content without prior written consent.

10. Account Suspension and Termination

We reserve the right to suspend or permanently terminate your account, without notice, if you:

• Violate these Terms or our Privacy Policy
• Provide false or misleading information
• Engage in fraudulent, abusive, or illegal activity
• Fail to make payment for services rendered

Inactive Accounts: Accounts with no login activity for 6 consecutive months may be scheduled for deletion. We will send a notification to your registered email address at least 7 days before any deletion. If you log in during this period, the deletion will be cancelled. This policy exists to protect your privacy and ensure we do not retain personal data longer than necessary, in line with the DPDP Act.

You may also request deletion of your account at any time through your account settings or by emailing info@affluentconsultancy.in. Account deletion is subject to our retention obligations under applicable law.

11. Limitation of Liability

To the fullest extent permitted by applicable law:

• ACS is not liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our platform or services
• Our total liability to you for any claim arising out of or relating to these Terms shall not exceed the amount paid by you to ACS in the 3 months preceding the event giving rise to the claim
• We are not responsible for delays or failures caused by factors outside our reasonable control, including government portal downtime, internet outages, force majeure events, or third-party service failures

12. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis 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. We do not guarantee that our platform will be uninterrupted, error-free, or free of viruses or other harmful components.

13. Grievance Redressal

If you have any complaint, concern, or grievance regarding our services or the handling of your personal data, you may contact our Grievance Officer:

• Name: Grievance Officer, Affluent Consultancy Services
• Email: info@affluentconsultancy.in
• Phone: +91 9348807611
• Response Time: We aim to acknowledge grievances within 48 hours and resolve them within 30 days

If your grievance remains unresolved, you may escalate to the Data Protection Board of India (for data-related complaints) or approach the competent civil courts in India.

14. Governing Law and Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of India, including the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023, the Indian Contract Act, 1872, and other applicable legislation. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts located in Odisha, India.

15. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date. Your continued use of our website or services after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

16. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable for any reason, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of the remaining provisions.

17. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Affluent Consultancy Services with respect to your use of our platform and services, and supersede all prior agreements, representations, or understandings.