This document establishes the conditions under which Risc Capital (hereinafter referred to as the "Provider") offers financial consultancy services, advanced risk analysis, capital resource structuring, and institutional asset protection.

"Client" means any legal person or institutional entity that accesses the website www.ianselvarajah.com and requests the described services. Services include predictive economic modeling, corporate portfolio optimization, and cross-border tax compliance.

The Provider undertakes to perform the services with the professional diligence specific to the field, using data and information provided by the Client. The Client is obliged to provide complete and accurate information regarding their financial situation, risk exposures, and investment objectives.

Any recommendation or strategy developed by the Provider is advisory in nature and does not constitute a guarantee of financial results. The Client remains solely responsible for final investment or capital structuring decisions.

The Provider shall not be liable for direct, indirect, or incidental losses arising from the use of the services, except in cases of proven gross negligence or willful misconduct. The Provider's total liability for any claim related to the services is limited to the amount of the fee paid by the Client for that specific service.

The Provider does not guarantee that the results of predictive modeling or risk analyses will correspond to the actual evolution of markets. Commercial market fluctuations, legislative changes, or force majeure events may affect the accuracy of forecasts.

All financial and commercial information provided by the Client is treated confidentially and used exclusively for the purpose of providing the services. The Provider implements technical and organizational measures to prevent unauthorized access or disclosure of data.

The processing of personal data is carried out in accordance with the privacy policy available on the website. The Client has the right to request the rectification or deletion of personal data, within the limits of applicable law.

The Provider reserves the right to unilaterally modify these terms and conditions, with prior notice to the Client by posting on the website or by email. Modifications take effect 15 days after notification.

The Client may terminate the service contract at any time, with a 30-day written notice. The Provider may suspend or terminate the provision of services in the event of the Client's failure to fulfill financial obligations or a serious breach of the terms of this document.

These terms and conditions are governed by Romanian law. Any dispute that cannot be resolved amicably shall be submitted to the competent courts of Romania.

For questions regarding the terms and conditions, the Client may contact the Provider at the email address: info@ianselvarajah.com or at the postal address: Calea Someș 3A.