1. Introduction
Welcome to Prabhash A Shah & Associates. These Terms and Conditions govern your use of our website and services. By using our site, you agree to these terms.

2. Intellectual Property Rights
All content on this site is owned by Prabhash A Shah & Associates and protected by intellectual property laws.

3. Products and Services
We strive for accuracy but cannot guarantee that all information is current or complete.

4. Payments
Payments are processed via Razorpay. You agree to their terms and conditions.

5. Refunds and Cancellations
See our Refund Policy for details on refunds and cancellations.

6. Limitation of Liability
We are not liable for any indirect or consequential damages arising from the use of our website.

7. Governing Law
These Terms are governed by the laws of India.

8. Changes to Terms
We may update these Terms and Conditions. Changes will be posted on this page.