No Guarantee Policy - Aimer Merchants Ltd.

Official Policy Document

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: