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.
Privacy and Confidentiality Policy
Discretion is not a feature of the ZMA model. It is a requirement.
ZMA does not sell client data, exploit confidential information for commercial resale, or disclose client identity, structures, or transactions except where disclosure is legally required, operationally necessary for authorised execution, or expressly approved by the client in writing.
Information provided to ZMA may be stored, reviewed, and processed for purposes including client qualification, due diligence, compliance checks, engagement design, governance review, legal coordination, and transaction execution. Where relevant, information may be shared with licensed professional advisers, regulated institutions, or competent authorities strictly on a need-to-know basis and only where such sharing is reasonably necessary.
ZMA adopts data-minimisation principles, controlled document handling, restricted-access protocols, and secure communication practices appropriate to the seriousness of its engagements. While no digital system can promise absolute invulnerability, ZMA takes confidentiality and information stewardship seriously as a core operational duty.
Clients and counterparties engaging with ZMA are expected to uphold corresponding standards of discretion. ZMA reserves the right to decline, suspend, or terminate discussions where confidentiality is compromised, where disclosure behaviour is reckless, or where trust integrity is materially threatened.
By engaging with ZMA or submitting information through its website or related communication channels, parties acknowledge the privacy and confidentiality framework under which ZMA operates.
Professional Advisory Fees & Consultation Policy
Professional Advisory Services
Zarif Menon & Associates (“ZMA”) is a specialist Global Family Office, Strategic Capital Advisory and Corporate Governance Advisory practice. Our principals, advisors and associates provide strategic guidance based upon extensive experience in corporate finance, capital raising, investment readiness, governance, business restructuring, family office architecture, cross-border transactions, investor engagement, strategic partnerships, mergers and acquisitions, business expansion, risk management, and related advisory disciplines.
Accordingly, any request for professional advice, strategic consultation, project assessment, transaction review, business evaluation, capital readiness assessment, investor preparedness review, governance guidance, restructuring recommendations, commercial opinions, introductions, or any other professional advisory service may be subject to professional fees.
Standard Advisory Rate
Unless otherwise agreed in writing under a separate engagement letter, retainer agreement, Letter of Appointment (LOA), consulting agreement or other formal mandate, ZMA’s standard professional advisory rate is:
GBP £500 per man-hour
This rate applies to services performed by ZMA principals, consultants, advisors, analysts, associates, and authorised representatives engaged in the delivery of professional advisory services.
Billable Activities
Billable time may include, but is not limited to:
Meetings (physical, virtual, telephone, video conference or otherwise);
Strategic consultations and advisory discussions;
Preliminary project assessments and opportunity reviews;
Review and analysis of business plans, proposals, presentations, financial statements and supporting documents;
Capital raising assessments and investor readiness evaluations;
Transaction structuring discussions;
Governance and compliance consultations;
Research, analysis and preparation work undertaken on behalf of a client;
Written opinions, recommendations and advisory reports;
Correspondence requiring substantive professional review or advice;
Participation in negotiations, stakeholder meetings or transaction-related discussions;
Travel time where specifically requested by a client.
No Obligation to Provide Free Advice
ZMA, its principals, advisors and associates are under no obligation to provide complimentary professional advice, consultations, opinions, assessments, recommendations or strategic guidance.
Any preliminary discussion, introductory meeting, review of documents or exchange of information should not be construed as an agreement by ZMA to provide ongoing advisory services without compensation.
Formal Engagement Requirement
Where a matter requires professional analysis, assessment, recommendations or strategic input, ZMA reserves the right to require the execution of a formal engagement agreement and payment of applicable advisory fees before undertaking any substantive work.
Fee Estimates and Retainers
For larger assignments, complex matters, capital raising mandates, governance reviews, due diligence exercises, transaction support, restructuring engagements or long-term advisory projects, ZMA may require the payment of an advance retainer, project fee or monthly advisory retainer in lieu of hourly billing.
Reservation of Rights
ZMA reserves the absolute right, at its sole discretion, to decline any request for consultation, advice, project review, transaction assessment or engagement without explanation and without incurring any liability whatsoever.
Contact
Dr. Zarif Menon
Phone
admin@zarifmenon.com
+44 7888 438570 (UK)
© June 2023. All rights reserved in relation to entities within the ZMA Ecosystem.
Founder & Managing Partner
+60 16 666 7898 (Malaysia)
+62 877 7999 7898 (Indonesia)
ZMA is not transactional. ZMA is structural. We do not follow markets. We position within them. We do not chase value. We define it.
Company Registration No.: 16872057
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