01Nature of the business

Raymond Cardoza Enterprises (“RCE”, “we”, “us”) is a sole proprietorship owned by Raymond Ronald Cardoza and registered as an MSME under Udyam. We are based in Mangaluru (Mangalore), Karnataka, India, and have delivered projects since 2021. Some of our client work, particularly digital marketing, content and media, is delivered under our Y5 MEDIA™ brand.

We help small and growing businesses, institutions and non-resident Indians (NRIs) replace manual, repetitive work with reliable systems and managed teams. We serve clients in India, Nepal, Bangladesh and the GCC, both on the ground in Karnataka and remotely.

02Our products and services

03How we take on and process work

1. Talk to us. A free initial call or workflow audit to understand what you need. This does not create any obligation on either side.
2. Written proposal. We confirm the scope, deliverables, timeline and price in writing before any paid work begins.
3. Acceptance. Work begins once you accept the proposal (in writing, by email or WhatsApp) and pay any advance stated in it.
4. Delivery and reporting. We deliver in agreed stages, keep you informed and report on what has changed.
5. Review and sign-off. You review deliverables and approve them or request corrections within the agreed scope. Additional work is handled as a change request.
6. Support. Ongoing support, maintenance or managed services are provided where agreed.

We may decline an enquiry or engagement, for example where the work is outside our expertise, unlawful, or conflicts with an existing commitment.

04Customer responsibilities

To help us deliver well, we ask customers to provide accurate information and documents, respond to requests for inputs and approvals on time, appoint one decision-making contact, have the rights to any content, data and accounts they give us, use automation and messaging tools lawfully, and pay invoices on time. Full details are in our Terms & Conditions.

05Payments

• Fees are as stated in the accepted proposal or invoice. GST and other applicable taxes are charged in addition, where applicable.
• We may ask for an advance before starting, with the balance payable by milestone, monthly, or on completion, as agreed.
• Payments are made using the methods stated on our invoice, such as bank transfer or UPI. We do not currently accept card payments through the Website.
• Pay only into accounts in the name of Raymond Cardoza Enterprises. We will never ask for your card number, UPI PIN, OTP or passwords. If you receive an unexpected request to change payment details, confirm it with us by phone first.
• Cancellations and refunds are handled under our Refund Policy.

06Communication

• Official channels: email at info@raymondcardoza.com, phone and WhatsApp at +91 98804 69174, and video meetings by Google Meet or our online appointment booking page.
• Response times: we aim to reply to enquiries within 1 to 2 business days. Response times for active clients are set out in their Engagement Documents.
• Written confirmation: important instructions, approvals and changes should be confirmed in writing (email or WhatsApp) to avoid misunderstandings.
• Respectful communication: we treat every customer with courtesy and ask for the same towards our team.

07Accounts and access

The Website does not offer public user accounts. Where an engagement needs access to your systems, such as your CRM, WhatsApp Business account, website, email or cloud tools, we ask you to create individual user access for us where possible rather than share your own passwords. We keep any credentials confidential, use them only for the engagement, and ask you to revoke or change them when the engagement ends. You remain the owner of your accounts and are responsible for their subscriptions and compliance with each platform’s terms.

08Business limitations

• We are not a law firm, chartered accountancy firm or registered property valuer and do not provide regulated professional advice. Where needed, we coordinate with independent licensed professionals.
• We cannot guarantee business results, search rankings, or the decisions and processing times of government offices, banks or third-party platforms.
• We will not carry out unlawful activity, send unsolicited bulk messages in breach of platform rules or law, or handle personal data without a lawful basis.
• Services that depend on third-party platforms are subject to those platforms’ availability, pricing and policies.

09Governance, ethics and compliance

These principles guide how we operate and apply to our team, contractors and associates involved in operations, administration and service delivery:

• Customer service: professionalism, honesty and transparency, with prompt responses to enquiries, complaints and feedback, and services delivered in line with agreed terms, quality and timelines.
• Financial management: accurate, transparent accounting and tax records maintained in line with GST and income-tax requirements.
• Data protection and privacy: personal data collected lawfully, used only for stated purposes, protected with reasonable safeguards, accessed on a need-to-know basis and kept no longer than necessary, as described in our Privacy Policy.
• Cyber security: password-protected, regularly updated systems, backups and malware protection, with security incidents reported internally at once and to CERT-In where its directions apply.
• Anti-bribery and corruption: zero tolerance for bribery and corruption, in line with the Prevention of Corruption Act, 1988. No gifts or favours are offered or accepted to gain a business advantage.
• Workplace ethics: integrity, confidentiality and professionalism, with no tolerance for discrimination, harassment or intimidation. Conflicts of interest must be disclosed, and grievances are handled promptly and confidentially.
• Environmental and social responsibility: minimising waste, favouring digital communication and supporting community initiatives and ethical sourcing.
• Legal compliance: we are committed to complying with the laws that apply to our business, including, where applicable, the Micro, Small and Medium Enterprises Development Act, 2006, the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023 (as its provisions come into force), the Karnataka Shops and Commercial Establishments Act, 1961, the Consumer Protection Act, 2019, and GST and income-tax laws.

10Enforcement and review

Breach of this policy by anyone working with us may lead to a warning, termination of their engagement or legal action, depending on its seriousness. Customers can raise concerns about our conduct at info@raymondcardoza.com, and they will be reviewed by the Proprietor. This policy is approved by Raymond Ronald Cardoza, Proprietor. It is reviewed at least once a year and whenever the law or our services change; the next scheduled review is by 30 December 2026.

11Contact

This policy forms part of one legal framework together with our Privacy Policy, Refund Policy, Terms & Conditions and Disclaimer. Where a signed agreement, proposal or statement of work with you says something different, that document prevails for your engagement.

Effective Date: 26 September 2026 · Last Updated: 26 September 2026 · Approved by Raymond Ronald Cardoza, Proprietor · Next review: by 30 December 2026.