01About these Terms

These Terms & Conditions (“Terms”) govern your access to and use of raymondcardoza.com (the “Website”) and the services provided by Raymond Cardoza Enterprises (“RCE”, “we”, “us”, “our”), a sole proprietorship owned by Raymond Ronald Cardoza and based in Mangaluru, Karnataka, India. Some services are delivered under our Y5 MEDIA™ brand; these Terms apply to them as well.

By using the Website or engaging our services, you agree to these Terms. If you do not agree, please do not use the Website. “You” means the individual using the Website or engaging us, and, where you act for an organisation, that organisation.

02Eligibility

You must be at least 18 years old and competent to contract under the Indian Contract Act, 1872 to engage our services. If you act on behalf of a company, firm or other organisation, you confirm that you are authorised to bind it.

03Our services

We provide business automation (WhatsApp, email, CRM and AI-agent workflows), IT and BPO outsourcing and remote teams, NRI asset management, education technology projects (such as school ERP systems and student and parent apps), business solutions and consulting, e-commerce and trading support, and digital marketing and media services. Descriptions on the Website are general information and do not form an offer.

The specific scope, deliverables, timelines, fees and service levels for each engagement are set out in a written proposal, quotation, statement of work, agreement or invoice that you accept (together, “Engagement Documents”). If there is a conflict, the order of priority is: (1) a signed agreement; (2) the accepted proposal or statement of work; (3) these Terms; (4) information on the Website.

04Quotations, scope and changes

• Quotations are valid for the period stated in them, or 30 days if no period is stated.
• Work starts once you accept the Engagement Documents and pay any advance stated in them.
• Requests outside the agreed scope are treated as change requests. We will confirm the effect on fees and timelines in writing before carrying them out.
• Timelines are estimates based on timely inputs and approvals from you; delays in your inputs, approvals, access or payments may extend them.

05Your responsibilities

When you engage us, you agree to:

• provide accurate, complete and lawful information, documents, content and instructions, and keep them up to date;
• give timely access, approvals and feedback, and appoint a contact person with authority to make decisions;
• ensure you have the rights and permissions needed for any content, data, trademarks or accounts you give us to use;
• where our work involves your customers’, employees’, students’ or other people’s personal data, act as the Data Fiduciary for that data, give the required notices and obtain any consent required under the DPDP Act and other laws;
• use messaging and automation tools lawfully, including by complying with WhatsApp Business and other platform policies and applicable rules on unsolicited commercial communications;
• keep your own passwords secure, and change credentials you shared with us when an engagement ends;
• maintain your own backups of critical data unless backup is part of the agreed scope.

06Fees, invoicing and taxes

• Fees are as set out in the Engagement Documents. GST and other applicable taxes are charged in addition, where applicable.
• Invoices are payable by the due date stated on them, using the payment methods stated on the invoice (such as bank transfer or UPI). Please pay only into bank accounts or UPI IDs held in the name of Raymond Cardoza Enterprises, and confirm with us directly if you receive any request to change payment details.
• Where tax is deducted at source, please share the TDS certificate within the statutory period.
• For payments from outside India, bank and currency-conversion charges are borne by the payer unless agreed otherwise.
• If payment is overdue, we may pause work, withhold deliverables or suspend services after giving you notice, and timelines will be extended accordingly.

07Third-party platforms, tools and costs

Many services rely on third-party platforms such as WhatsApp Business, Meta, Google, hosting providers, domain registrars, payment providers and software-as-a-service tools. Your use of them is subject to their own terms and pricing. Unless stated otherwise in the Engagement Documents, third-party fees (licences, API or messaging charges, domains, hosting, advertising spend, government fees, stamp duty and similar costs) are payable by you. We are not responsible for changes, outages, account restrictions or policy decisions made by those providers, but we will help you deal with them within the agreed scope.

08NRI asset management services

• We act only within the written authority you give us, such as an engagement letter, authorisation letter or power of attorney, and will seek your approval before significant expenditure or decisions.
• We coordinate with authorities, banks, tenants and contractors on your behalf, but we do not control their decisions or processing times and cannot guarantee a particular outcome.
• We are not a law firm, chartered accountant or registered property valuer. Where specialist advice is needed, we can coordinate with independent licensed professionals, whose fees are payable by you.
• Out-of-pocket expenses incurred on your instructions are reimbursable, and we will provide receipts or other supporting records.

09Cancellations and refunds

Cancellations and refunds are handled under our Refund Policy and your Engagement Documents.

10Intellectual property

• Website content. The text, graphics, logos, design and other content on the Website are owned by or licensed to RCE and are protected by Indian copyright and trademark laws. You may view and print pages for your personal or internal business use, but you may not copy, modify, republish or commercially exploit them without our written permission. Y5 MEDIA™ is our trademark; other names and logos belong to their respective owners.
• Deliverables. Unless the Engagement Documents say otherwise, ownership of the final deliverables created specifically for you passes to you once you have paid the related fees in full.
• Our tools and know-how. We keep ownership of our pre-existing materials, templates, frameworks, code libraries, workflows and know-how. Where these are included in a deliverable, you receive a non-exclusive licence to use them as part of that deliverable.
• Third-party components. Third-party or open-source software, fonts, images and platforms remain subject to their own licences.
• Portfolio. We may refer to your engagement in our portfolio or case studies only with your consent, and we respect white-label and confidentiality arrangements.

11Confidentiality

Each party will keep confidential the other’s non-public business information received in connection with an engagement, use it only for that engagement, and disclose it only to people who need to know it and are bound by similar obligations, or where required by law. This obligation continues after the engagement ends.

12Privacy and data protection

We handle personal data as described in our Privacy Policy. Where we process personal data on your behalf as part of a service, you are the Data Fiduciary and we act as your Data Processor, processing it only on your documented instructions and applying reasonable security safeguards. Where required, we will enter into a separate data processing agreement.

13Acceptable use of the Website

You may use the Website only for lawful purposes. You must not:

• attempt to gain unauthorised access to the Website, its servers or any connected system, or interfere with its security or firewall;
• introduce malware or harmful code, or overload the Website;
• scrape, harvest or copy content or data by automated means without our written permission;
• impersonate any person, submit false information or use the Website for fraud or spam;
• use the Website in breach of the Information Technology Act, 2000 or any other applicable law.

We may block access, remove content or take legal action in response to misuse.

14Information you submit

When you send us an enquiry, message, document or feedback, you confirm that it is accurate and that you are entitled to share it. We use personal data in submissions only as described in the Privacy Policy. For non-personal ideas and feedback about our services, you grant us a non-exclusive, royalty-free right to use them to improve our services, without any obligation to you.

15Links and partner products

The Website links to third-party websites and products, including software from our technology partners such as PharmaDesk, GymDrive and FlyLib. Those products are provided by their respective companies under their own terms, pricing, refund and privacy policies. We may receive a referral fee or commission when you buy them through us; this does not change the price you pay unless we tell you otherwise. We do not control and are not responsible for third-party websites or products.

16Service standards and disclaimers

We will perform our services with reasonable skill and care, in line with the Engagement Documents. Beyond that, and to the extent permitted by law, the Website and its content are provided “as is”, as explained in our Disclaimer. We do not guarantee specific business results, revenue, rankings, enquiry volumes or government, bank or platform outcomes, because these depend on factors outside our control.

17Limitation of liability

To the maximum extent permitted by law:

• we are not liable for any indirect, incidental, special or consequential loss, or for loss of profit, revenue, data, goodwill or business opportunity;
• our total liability arising out of or in connection with any service is limited to the fees you actually paid to us for that specific service;
• we are not liable for failures caused by your instructions, inputs or systems, or by third-party platforms and providers.

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for fraud, or any rights you have as a consumer under the Consumer Protection Act, 2019.

18Indemnity

You agree to indemnify us against claims, losses and reasonable costs arising from your breach of these Terms, your unlawful use of the Website or our deliverables, or content, data or instructions you provide that infringe the rights of others or breach the law.

19Suspension and termination

We may suspend or end your access to the Website at any time if you misuse it. Either party may end an engagement as set out in the Engagement Documents. If they are silent, either party may end an ongoing engagement by giving 30 days’ written notice, and either party may end it immediately if the other commits a material breach that is not remedied within 15 days of written notice. On termination, you must pay for work performed and costs incurred up to the termination date, and we will hand over completed deliverables that have been paid for. Clauses that by their nature should survive (such as payment, confidentiality, intellectual property, liability and governing law) will continue to apply.

20Events beyond our control

Neither party is liable for delay or failure caused by events beyond its reasonable control, such as natural disasters, epidemics, war, civil unrest, government action, power or internet outages, or failures of third-party platforms. The affected party will inform the other promptly and resume performance as soon as reasonably possible. Payment obligations for work already performed are not excused.

21Electronic communications

You agree that we may communicate with you electronically, by email, WhatsApp, phone or through the Website, and that electronic communications, records and approvals (including acceptance of a proposal by email or WhatsApp) satisfy any legal requirement for writing, in accordance with the Information Technology Act, 2000. Please confirm important instructions in writing.

22Governing law and disputes

These Terms and any dispute arising from them, the Website or our services are governed by the laws of India. We encourage you to contact us first so that we can try to resolve any concern amicably within 30 days. Subject to that, the courts at Mangaluru (Mangalore), Karnataka, India have exclusive jurisdiction, without affecting any right you may have to approach a consumer commission or other forum under the Consumer Protection Act, 2019.

23General

• Changes. We may update these Terms from time to time. The updated Terms apply from the “Last Updated” date for use of the Website and for new engagements; changes to an existing engagement require your agreement.
• Severability. If any provision is found invalid, the rest remains in effect.
• No waiver. A delay in enforcing a right is not a waiver of it.
• Assignment. You may not transfer your rights under an engagement without our written consent. We may transfer them to a successor of our business.
• Entire agreement. These Terms, the policies referred to in them and the Engagement Documents form the entire agreement between us for each engagement.

24Contact

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