Effective Date: 2 June 2026
Last Updated: 2 June 2026
This No Guarantee Policy explains the limitations of services, advice, consultation, coordination, documentation, referrals, investment-related discussions, tax and VAT advisory, IPO consultancy, accounting support, wealth management advisory, business advisory, and other professional services provided by Aimer Merchants Ltd.
By using our website, reading our content, submitting an inquiry, requesting consultation, making payment, submitting documents, or engaging Aimer Merchants Ltd. for any professional service, you acknowledge and agree that Aimer Merchants Ltd. does not guarantee specific outcomes unless such guarantee is clearly stated in writing by an authorized representative and is legally valid.
1. About Aimer Merchants Ltd.
Aimer Merchants Ltd. is a Bangladesh-based professional consultancy firm providing services related to wealth management, tax and VAT consultancy, IPO consultancy, accounting services, legal documentation, capital market investment guidance, and business advisory support.
Our contact details are:
Aimer Merchants Ltd.
Shams Parasol, Flat C1, House 5, Road 21, Gulshan 1, Dhaka-1212, Bangladesh
Email: info@aimermerchants.com
Alternative Email: aimer.merchants@gmail.com
Phone: +880 1726 685 550
WhatsApp: +880 1726 685 550
2. Purpose of This Policy
The purpose of this policy is to clearly explain that Aimer Merchants Ltd. provides professional guidance, consultancy, advisory support, documentation support, coordination, and service assistance, but does not guarantee results that depend on external authorities, market conditions, third parties, client documents, regulatory decisions, government processes, investment performance, or future events.
This policy helps clients understand:
- What Aimer Merchants Ltd. can support
- What outcomes are outside our control
- Why professional advice does not guarantee a specific result
- Why client cooperation and accurate documents are essential
- Why investment, tax, VAT, legal, business, and regulatory matters involve uncertainty
- Why third-party decisions cannot be guaranteed by Aimer Merchants Ltd.
3. General No Guarantee Statement
Aimer Merchants Ltd. does not guarantee any specific result, approval, financial benefit, investment return, tax outcome, VAT outcome, regulatory decision, government processing timeline, business success, or third-party service result.
Our services are based on:
- Information provided by the client
- Documents submitted by the client
- Available facts
- Applicable procedures
- Professional judgment
- Current understanding of laws and regulations
- Market conditions at the time of advice
- Third-party or authority requirements where applicable
- Service scope agreed with the client
Even when Aimer Merchants Ltd. performs services professionally and carefully, final outcomes may depend on factors beyond our control.
4. No Investment Return Guarantee
Aimer Merchants Ltd. does not guarantee any investment profit, fixed return, capital protection, portfolio growth, dividend income, stock price increase, IPO gain, bond return, mutual fund return, or any other financial return.
Clients understand that investment involves risk, including the possibility of capital loss.
Investment performance may be affected by:
- Market movement
- Company performance
- Economic conditions
- Inflation
- Interest rates
- Liquidity
- Regulatory changes
- Political conditions
- Investor sentiment
- Currency movement
- Sector performance
- Global market impact
- Management decisions
- Business risk
Any investment-related discussion, projection, analysis, opinion, or expectation should not be treated as a guaranteed result.
5. No Capital Market Guarantee
Capital market services and discussions may involve shares, IPOs, mutual funds, bonds, securities, listed companies, portfolio planning, and other market-linked instruments.
Aimer Merchants Ltd. does not guarantee:
- Share price increase
- Profit from buying or selling securities
- Avoidance of market loss
- Dividend declaration
- Market recovery
- Portfolio performance
- Liquidity at a desired price
- Successful trade execution by third-party platforms
- Capital protection
- Trading success
- Any fixed or assured return
Capital market investment decisions remain the responsibility of the investor.
6. No IPO Allotment or IPO Profit Guarantee
Aimer Merchants Ltd. may provide IPO-related guidance, documentation support, consultation, or coordination. However, IPO outcomes are controlled by regulatory rules, issuer conditions, subscription process, eligibility, market demand, allotment method, and other external factors.
Aimer Merchants Ltd. does not guarantee:
- IPO approval
- IPO application acceptance
- IPO allotment
- IPO listing gain
- IPO profit
- Post-listing price increase
- Regulatory approval
- Specific IPO timeline
- Successful subscription
- Any investment return from IPO participation
Clients should not assume that every IPO will generate profit or that an IPO application will result in allotment.
7. No Wealth Management Outcome Guarantee
Wealth management advisory may include financial planning, asset allocation, retirement planning, tax coordination, investment planning, family financial planning, and risk management.
Aimer Merchants Ltd. does not guarantee:
- Wealth growth
- Achievement of all financial goals
- Guaranteed retirement income
- Guaranteed preservation of asset value
- Guaranteed reduction of financial risk
- Guaranteed tax savings
- Guaranteed investment performance
- Guaranteed family wealth transfer result
- Guaranteed business succession outcome
Wealth management depends on client income, spending discipline, market performance, investment behavior, risk tolerance, tax position, family situation, and long-term decision-making.
8. No Tax Outcome Guarantee
Aimer Merchants Ltd. may provide tax consultancy, tax planning, return preparation support, documentation review, and NBR-related advisory assistance.
However, Aimer Merchants Ltd. does not guarantee:
- Tax reduction
- Tax refund
- Tax assessment result
- Penalty waiver
- Notice withdrawal
- Acceptance of return by authority without question
- Final tax liability amount
- Audit clearance
- Appeal success
- Specific NBR decision
- Specific timeline for tax processing
Tax outcomes depend on applicable law, documents, facts, tax authority review, filing history, client information, and regulatory interpretation.
9. No VAT Outcome Guarantee
Aimer Merchants Ltd. may provide VAT consultancy, BIN guidance, VAT return support, VDS guidance, VAT document review, and VAT compliance support.
However, Aimer Merchants Ltd. does not guarantee:
- VAT registration approval
- VAT assessment result
- VAT refund
- Penalty waiver
- VAT demand reduction
- Audit clearance
- Notice withdrawal
- Authority acceptance
- Specific VAT liability
- Specific timeline for VAT processing
- VDS or VAT dispute resolution
VAT outcomes depend on client records, transaction documents, turnover, business type, applicable law, and authority review.
10. No TDS or VDS Outcome Guarantee
Aimer Merchants Ltd. may provide guidance on TDS and VDS calculation, deduction, deposit, documentation, challan records, and compliance.
However, we do not guarantee:
- Authority acceptance of all deductions
- No mismatch in records
- No future inquiry
- No penalty
- No assessment adjustment
- No supplier or client dispute
- No correction requirement
Clients remain responsible for providing accurate transaction details, payment information, supplier records, challans, and supporting documents.
11. No Accounting or Audit Guarantee
Aimer Merchants Ltd. may provide accounting support, bookkeeping guidance, financial documentation, statement preparation assistance, or coordination with accounting professionals.
However, unless specifically agreed in writing and handled by a qualified professional, Aimer Merchants Ltd. does not guarantee:
- Audit certification
- Statutory audit approval
- Regulatory acceptance of accounts
- Bank acceptance of financial statements
- Tax authority acceptance without review
- Error-free records if client data is incomplete
- Successful reconstruction of missing accounts
- Certification by an auditor
- Compliance with every industry-specific accounting requirement
Accounting outcomes depend on the accuracy and completeness of client records.
12. No Legal Documentation Outcome Guarantee
Aimer Merchants Ltd. may provide legal documentation support, drafting assistance, coordination, and professional referral where applicable.
However, Aimer Merchants Ltd. does not guarantee:
- Court outcome
- Dispute resolution
- Legal enforceability without lawyer review
- Government office acceptance
- Registration approval
- Title clearance
- Contract success
- Property ownership validity
- Legal dispute avoidance
- Third-party acceptance of documents
- Any result requiring legal authority, court, lawyer, registrar, or government decision
Clients should consult qualified legal professionals for formal legal advice, litigation, property verification, and legal opinion.
13. No Business Success Guarantee
Aimer Merchants Ltd. may provide business advisory, financial planning, documentation support, compliance support, investment guidance, and strategic consultation.
However, we do not guarantee:
- Business success
- Revenue growth
- Profit increase
- Client acquisition
- Market expansion
- Business funding
- Investor approval
- Loan approval
- Partnership success
- Tender success
- Contract award
- Cost reduction
- Operational improvement
- Commercial performance
Business success depends on management, execution, market conditions, competition, capital, operations, compliance, customer demand, and many other factors beyond our control.
14. No Loan, Bank, or Financing Approval Guarantee
Aimer Merchants Ltd. may assist with documentation, advisory, or coordination related to business finance, bank requirements, financial records, or investment planning.
However, we do not guarantee:
- Bank loan approval
- Credit facility approval
- Trade finance approval
- Mortgage or business financing approval
- Bank account approval
- Overdraft approval
- Financial institution acceptance
- Interest rate approval
- Credit limit approval
- Restructuring approval
Banks and financial institutions make independent decisions based on their own policies, risk assessment, credit review, documents, and regulatory requirements.
15. No Government or Regulatory Approval Guarantee
Many services may involve government offices, tax authorities, VAT authorities, regulatory bodies, registrars, banks, capital market authorities, or other public or private institutions.
Aimer Merchants Ltd. does not guarantee:
- Government approval
- Regulatory approval
- Authority acceptance
- License approval
- Registration approval
- Certificate issuance
- Specific processing timeline
- Portal availability
- File clearance
- Application acceptance
- Appeal success
- No future inquiry or objection
Such decisions are controlled by the relevant authority or institution.
16. No Third-Party Service Guarantee
Aimer Merchants Ltd. may refer or coordinate with third-party professionals and organizations, including tax consultants, VAT consultants, accountants, auditors, lawyers, brokerage firms, asset management companies, banks, merchant banks, financial institutions, government offices, and technology providers.
However, Aimer Merchants Ltd. does not guarantee:
- Third-party service quality
- Third-party advice
- Third-party fee structure
- Third-party processing time
- Third-party approval
- Third-party acceptance
- Third-party privacy practice
- Third-party platform availability
- Third-party document requirement
- Third-party outcome
Third-party providers remain responsible for their own services, decisions, fees, and conduct.
17. No Timeline Guarantee
Aimer Merchants Ltd. may provide estimated timelines for services. These timelines are estimates only unless specifically guaranteed in writing.
Timelines may be affected by:
- Client document delay
- Missing information
- Payment delay
- Client approval delay
- Third-party processing
- Government office processing
- Regulatory review
- Bank or brokerage review
- Portal downtime
- Public holidays
- Law or procedure changes
- Technical issues
- Force majeure events
- Internal workload
- Complexity of the matter
Aimer Merchants Ltd. is not responsible for delays caused by factors beyond our reasonable control.
18. No Guarantee Based on Website Content
Website content, blogs, service pages, FAQs, social media posts, marketing materials, and general educational content are not guarantees.
Website content should not be treated as:
- Final tax advice
- Final VAT advice
- Legal opinion
- Investment recommendation
- Guaranteed financial plan
- Guaranteed service result
- Binding professional commitment
- Regulatory assurance
- Authority confirmation
Clients should request formal consultation and document review before making important decisions.
19. No Guarantee Based on Informal Communication
Informal communication through phone, WhatsApp, email, social media, short messages, or preliminary discussion may not include complete professional analysis.
Such communication should not be treated as a guaranteed service result or final professional advice.
For important matters, clients should request formal written advice, service scope confirmation, and document-based review.
20. No Guarantee Where Client Information Is Incomplete
Aimer Merchants Ltd. relies on client-provided information and documents. If information is incomplete, false, outdated, unclear, or misleading, any advice or service output may be affected.
Aimer Merchants Ltd. does not guarantee outcomes where the client:
- Provides false information
- Hides relevant facts
- Submits incomplete documents
- Delays document submission
- Fails to disclose income
- Fails to disclose liabilities
- Provides forged documents
- Gives unclear instructions
- Fails to review prepared documents
- Does not follow professional advice
- Changes instructions after work begins
Clients are responsible for the accuracy and completeness of their information.
21. No Guarantee Against Future Law or Policy Changes
Laws, regulations, tax rules, VAT rules, investment rules, capital market rules, banking policies, government processes, and authority practices may change from time to time.
Aimer Merchants Ltd. does not guarantee that advice, documents, or strategies prepared under current rules will remain valid if laws or policies change later.
Clients should seek updated advice when circumstances or legal requirements change.
22. No Guarantee of Error-Free External Systems
Some services may depend on external websites, digital portals, government systems, bank platforms, brokerage platforms, payment gateways, or regulatory portals.
Aimer Merchants Ltd. does not guarantee:
- Portal availability
- Server uptime
- Error-free submission
- OTP delivery
- Payment gateway success
- System-generated accuracy
- No technical failure
- No data mismatch
- No login issue
- No upload failure
External system issues may delay or affect service delivery.
23. No Guarantee Against Risk
Professional advice may reduce risk, but it cannot eliminate risk completely.
Risks may include:
- Investment risk
- Market risk
- Tax risk
- VAT risk
- Legal risk
- Business risk
- Regulatory risk
- Documentation risk
- Third-party risk
- Operational risk
- Technology risk
- Fraud risk
- Economic risk
- Liquidity risk
Clients should make informed decisions and accept that uncertainty may remain even after professional consultation.
24. Client Decision Responsibility
Clients remain responsible for final decisions related to:
- Investments
- Tax filings
- VAT filings
- Business actions
- Legal documents
- Financial planning
- Wealth management
- IPO participation
- Capital market transactions
- Third-party service acceptance
- Loan applications
- Company documents
- Asset purchases or sales
- Business restructuring
Aimer Merchants Ltd. may provide guidance and support, but final responsibility remains with the client.
25. Professional Effort, Not Guaranteed Result
Aimer Merchants Ltd. commits to providing professional effort within the agreed service scope. This may include consultation, document review, advisory support, drafting, coordination, communication, and service assistance.
However, professional effort does not mean guaranteed outcome.
Clients pay for professional service, time, expertise, support, documentation, coordination, and advisory work, not for guaranteed approval, profit, refund, allotment, assessment result, or third-party decision.
26. Statements About Possible Outcomes
During consultation, Aimer Merchants Ltd. may discuss possible outcomes, likely scenarios, estimated results, expected timelines, risk factors, or professional opinions.
Such statements are not guarantees. They are based on available information at the time of discussion and may change if new facts, documents, laws, market conditions, or third-party decisions arise.
27. Client Responsibility to Ask Questions
Clients should ask questions if they do not understand:
- Service scope
- Risk level
- Fees
- Timeline
- Documents required
- Third-party involvement
- Investment risk
- Tax/VAT implications
- Refund rules
- No guarantee limitations
- Final decision responsibility
Aimer Merchants Ltd. encourages clients to make informed decisions before proceeding.
28. Relationship with Other Policies
This No Guarantee Policy should be read together with our:
- Privacy Policy
- Terms and Conditions
- Professional Disclaimer
- Investment Risk Disclosure
- Tax and VAT Advisory Disclaimer
- Cookie Policy
- Refund and Cancellation Policy
- Client Confidentiality Policy
- KYC and AML Policy
- Conflict of Interest and Third-Party Disclosure
- Complaint and Grievance Policy
- Service Engagement Policy
If any issue is covered by another specific policy, that policy may also apply.
29. Limitation of Liability
To the maximum extent permitted by applicable law, Aimer Merchants Ltd., its directors, employees, consultants, representatives, partners, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, financial, investment, tax, VAT, legal, business, regulatory, reputational, or other loss arising from:
- Failure to achieve expected results
- Investment loss
- IPO non-allotment
- Market fluctuation
- Tax or VAT assessment outcome
- Government or regulatory decision
- Third-party delay or rejection
- Business underperformance
- Loan rejection
- Client-provided inaccurate information
- Changes in law or policy
- External system failure
- Misunderstanding of website content
- Reliance on informal communication
- Any outcome outside Aimer Merchants Ltd.’s reasonable control
Any liability, if applicable, shall be limited to the specific written service engagement between Aimer Merchants Ltd. and the client.
30. Updates to This Policy
Aimer Merchants Ltd. may update this No Guarantee Policy from time to time to reflect changes in services, legal requirements, advisory scope, business operations, third-party relationships, or professional procedures.
The updated version will be posted on our website with the revised “Last Updated” date.
Continued use of our website or services after policy updates means you accept the revised No Guarantee Policy.
31. Contact Us
For questions about this No Guarantee Policy or any service-related limitation, please contact us:
Aimer Merchants Ltd.
Shams Parasol, Flat C1, House 5, Road 21, Gulshan 1, Dhaka-1212, Bangladesh
Email: info@aimermerchants.com
Alternative Email: aimer.merchants@gmail.com
Phone: +880 1726 685 550
WhatsApp: +880 1726 685 550