Use and privacy.

A plain-language explanation of what this website provides, how the enquiry window works and how technical information may be handled.

01

Professional information

This website provides general information about my professional profile, areas of work and published articles. It does not by itself create a professional engagement, fiduciary relationship or obligation to accept an assignment.

Articles and other material are educational and general in nature. They are not securities or investment advice, portfolio advice, a recommendation, legal advice or a substitute for advice based on the complete facts of a matter.

02

Enquiry window

The enquiry window sends the name, reply address, selected enquiry type and message to the appropriate professional mailbox. These details are used to review and respond to the enquiry.

Email-delivery, mailbox and security providers may process the submitted information for delivery, spam prevention, security and service reliability. No visitor account is created when an enquiry is submitted.

Please do not send passwords, OTPs, PAN, Aadhaar, complete account numbers, confidential records or other sensitive documents through an initial enquiry.

03

Technical information

The hosting and security services used to operate this website may process limited technical information, such as request logs, device or browser information and IP address, for security, reliability and fault diagnosis. Public pages do not require an account.

To limit repeated form submissions, the enquiry service keeps a one-way hash derived from the request IP address together with the submission time for a limited period. The rate-limit table does not store the readable IP address.

A private article-management area uses Sign in with ChatGPT. The signed-in email address is checked only to decide whether access to that private area is permitted.

04

Images, sources and links

Article images, charts or screenshots may carry a caption and source. Rights remain with their respective owners where applicable. External links, if included, are provided for context and do not amount to an endorsement.