Legal and Regulatory Disclaimer

Zarif Menon & Associates Limited (ZMA) operates as an independent Global Family Office advisory, structuring, and strategic coordination firm.

ZMA is not a licensed bank, deposit-taking institution, broker-dealer, regulated investment advisor, legal practice, tax advisory practice, or trustee service provider unless expressly stated under a separate written engagement and supported by applicable licensing or authorised professional participation.

ZMA does not accept deposits, does not provide public-facing regulated financial products, and does not hold itself out as a substitute for licensed legal, tax, regulatory, fiduciary, or investment professionals. Its role is strategic, structural, and advisory in nature, and where specialised implementation is required, such implementation must be undertaken with appropriately licensed and jurisdictionally authorised professionals.

Nothing contained within the website, this manuscript, or any ZMA communication shall be construed as an offer to buy or sell securities, a solicitation of investment, regulated financial advice, legal advice, tax advice, or a guarantee of returns or performance.

All engagements are subject to client acceptance procedures, internal due diligence, compliance verification, risk assessment, and formal contractual documentation. ZMA reserves the right to accept, decline, suspend, or terminate any engagement at its discretion, and to request additional documentation or verification at any stage.

Where ZMA operates on retainer or success-based structures, any such commercial terms remain subject to separate written agreement. No website statement should be read as creating an automatic entitlement to services, representation, or outcome.

ZMA makes no representation or warranty regarding funding success, investment performance, transaction completion, timing, regulatory approval, or commercial result. All outcomes remain subject to market conditions, third-party actions, jurisdictional rules, documentary sufficiency, and factors beyond ZMA’s control.

ZMA shall not be liable for losses, delays, disputes, failures, or other consequences arising from third-party actions or omissions, counterparty misrepresentation, market movements, regulatory changes, or decisions independently taken by clients or counterparties.

Use of the website and engagement with ZMA signify acknowledgement and acceptance of this operating model: selective, strategic, governance-led, and institutionally disciplined.

ZMA may operate on a retained advisory basis and/or performance-linked engagement model depending on the nature of the mandate. Retainer fees, engagement duration, and success-based participation structures are determined on a case-by-case basis and are formalised only through written agreements.

Where applicable, success-based participation may apply to capital structuring or funding-related mandates and shall only become payable upon the successful completion of the transaction and receipt of funds by the designated structure. Any indicative fee ranges or participation structures referenced in discussions are non-binding unless expressly agreed in writing.

ZMA does not act as a broker, placement agent, or intermediary for the purposes of regulated capital raising activities unless supported by appropriately licensed partners or structures where required by applicable law.