01Definitions

02General information only

Content on the Website, including articles, service descriptions, FAQs, guides and examples, is provided for general information and education. We try to keep it accurate and current, but we make no warranty, express or implied, about its completeness, accuracy, reliability or suitability for any particular purpose. To the extent permitted by law, we are not liable for any loss or damage arising from reliance on it.

03No professional advice

Nothing on the Website is legal, tax, accounting, financial, investment, property-valuation or other regulated professional advice, and it does not create a professional or client relationship. Raymond Cardoza Enterprises is not a law firm or a chartered accountancy firm. Please consult a qualified professional about your specific situation before acting. Advice specific to you is given only within a written engagement.

04Results, case studies and testimonials

Case studies, statistics and testimonials describe the experience of particular clients at a particular time. Results depend on many factors, including each client’s business, market, inputs and third-party platforms, so they are not a promise or guarantee of similar results for you. Figures such as the number of years in business or clients served are stated as at the date they were published. Some client work is delivered under our Y5 MEDIA™ brand or on a white-label basis, and some client names are withheld for confidentiality.

05Automation and AI tools

We build and use automation and artificial-intelligence tools, including AI agents and chat or messaging workflows. AI-generated output can be incomplete, inaccurate or out of date, and automated systems depend on third-party platforms that may change or fail. Automated outputs should be reviewed by a person before important decisions are made, and clients remain responsible for how they use automated communications with their own customers.

06External links and embedded services

The Website contains links to, and embedded features from, third-party websites and services such as Google (Maps, Translate, Calendar, Meet and Fonts) and WhatsApp. We do not control them and are not responsible for their content, availability, security or privacy practices. A link does not imply endorsement. Please review their terms and policies before using them.

07Technology partner and affiliate disclosure

The Website features software products from technology partners, such as PharmaDesk, GymDrive and FlyLib. These products are developed and provided by their respective companies, which are responsible for the products, their pricing and their terms. Raymond Cardoza Enterprises may act as a partner or affiliate for these products and may receive a referral fee or commission when you buy them through us. We recommend products we believe are useful, but you should evaluate whether a product suits your needs.

08Machine translation

The Website offers automatic translation through Google Translate for convenience. Machine translations may be inaccurate. The English version of each page, and of our policies, is the authoritative version, and we are not responsible for errors introduced by translation.

09Errors, omissions and availability

Information may contain errors or omissions, or become outdated, and we may change or remove content without notice. Please verify anything important directly with us before relying on it. We do not guarantee that the Website will always be available, uninterrupted or free of errors, viruses or other harmful components, and you use it at your own risk. Content is provided “as is” and “as available”.

10Views and opinions

Opinions and commentary in articles, posts and case studies reflect the views of their authors at the time of writing and do not necessarily represent an official position of the Company. Any user-generated content is the responsibility of the person who submitted it.

11Trademarks and fair dealing

Y5 MEDIA™ is our trademark. Other product names, logos and brands mentioned on the Website, including those of Google, Meta and WhatsApp, belong to their respective owners, and their use does not imply endorsement or affiliation. Some content may refer to or quote copyrighted material for the purposes of criticism, review, reporting or education, as permitted as fair dealing under Section 52 of the Copyright Act, 1957. If you want to use such material beyond fair dealing, please obtain permission from the copyright owner. If you believe content on the Website infringes your rights, please contact us and we will review it promptly.

12Limitation of liability

To the maximum extent permitted by law, we are not liable for any direct, indirect or consequential loss arising from your use of the Website or reliance on its content. Liability relating to services you engage us for is governed by our Terms & Conditions and your Engagement Documents. Nothing in this Disclaimer limits liability that cannot be excluded under applicable law.

13Governing law and jurisdiction

This Disclaimer and any dispute arising from use of the Website are governed by the laws of India. Subject to any rights you have under the Consumer Protection Act, 2019, the courts at Mangaluru (Mangalore), Karnataka, India have exclusive jurisdiction.

14Contact

This policy forms part of one legal framework together with our Business Policy, Privacy Policy, Refund Policy and Terms & Conditions. 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 · This version replaces the Disclaimer effective 27 June 2023.