Effective Date: 2 June 2026
Last Updated: 2 June 2026

The information provided on the website of Aimer Merchants Ltd. is for general informational, educational, and service-awareness purposes only. This Professional Disclaimer explains the limitations of the information, content, guidance, communication, and services provided through our website, consultation channels, blogs, service pages, emails, phone calls, WhatsApp messages, social media, and any other communication platform.

By using our website, reading our content, submitting an inquiry, requesting consultation, or engaging with Aimer Merchants Ltd., you acknowledge and agree to this Professional Disclaimer.

1. General Information Only

The content published on this website is intended to provide general information about professional services such as:

• Wealth management advisory
• Tax consultancy
• VAT consultancy
• Accounting services
• IPO consultancy
• Legal documentation support
• Capital market investment guidance
• Business advisory
• Financial planning support
• Compliance-related guidance

Although we aim to provide accurate, useful, and updated information, website content should not be considered complete, final, or case-specific professional advice.

Every client’s situation is different. Tax, VAT, accounting, investment, legal documentation, business, and financial matters require individual review based on specific documents, facts, applicable laws, authority requirements, risk profile, and professional assessment.

2. No Legal Advice

Aimer Merchants Ltd. may provide support related to legal documentation, business documentation, company papers, agreements, compliance documents, and professional coordination. However, the information on this website does not constitute legal advice.

Nothing on this website should be treated as a substitute for advice from a qualified lawyer, advocate, or licensed legal professional.

If your matter involves legal rights, court proceedings, property disputes, company law issues, regulatory disputes, contract enforcement, inheritance, litigation, or any formal legal claim, you should consult a qualified legal professional before making any decision.

3. No Final Tax or VAT Advice Without Document Review

Any tax, VAT, customs, TDS, VDS, return filing, tax planning, tax assessment, VAT registration, BIN, NBR-related, or compliance-related information on this website is general in nature.

Tax and VAT matters depend on many factors, including:

• Nature of business
• Income source
• Turnover
• Business structure
• Transaction records
• Purchase and sales documents
• Expense documents
• Bank statements
• Applicable tax and VAT laws
• NBR requirements
• Previous return history
• Assessment status
• Client-provided documents

Aimer Merchants Ltd. does not provide final tax or VAT advice based only on website content or informal communication. Proper advice requires document review, fact verification, and professional assessment.

Clients are responsible for providing accurate, complete, and genuine documents. Aimer Merchants Ltd. is not responsible for penalties, interest, rejection, incorrect filing, assessment issues, or compliance problems caused by false, incomplete, delayed, outdated, or misleading information provided by the client.

4. No Accounting or Audit Certification Disclaimer

Aimer Merchants Ltd. may provide accounting support, bookkeeping guidance, financial statement preparation support, and coordination with accounting or audit professionals where applicable.

However, unless specifically agreed in writing and performed by an appropriately qualified professional, our website content or general service communication should not be treated as:

• Audit certification
• Statutory audit opinion
• Assurance report
• Forensic accounting opinion
• Certified financial statement
• Regulatory audit confirmation
• Legal accounting certification

Clients should obtain required audit, certification, or assurance services from qualified and authorized professionals where applicable.

5. No Investment Guarantee

Aimer Merchants Ltd. may provide general information, support, or guidance related to wealth management, capital market investment, IPO consultancy, portfolio planning, investment awareness, and financial planning.

However, investment always involves risk.

Aimer Merchants Ltd. does not guarantee:

• Fixed profit
• Guaranteed return
• Guaranteed capital protection
• Guaranteed IPO allotment
• Guaranteed stock price increase
• Guaranteed dividend
• Guaranteed market performance
• Guaranteed portfolio growth
• Guaranteed investment success
• Guaranteed recovery of loss

The value of investments may rise or fall depending on market conditions, economic factors, company performance, regulatory changes, liquidity, investor behavior, and other risks.

Past performance does not guarantee future results. Any investment decision should be made after understanding the risks and, where necessary, consulting an authorized investment professional.

6. Capital Market Risk Disclaimer

Capital market investments, including shares, IPOs, mutual funds, bonds, securities, portfolio products, and other market-linked instruments, are subject to risk.

Possible risks include:

• Market risk
• Liquidity risk
• Price fluctuation risk
• Regulatory risk
• Interest rate risk
• Company performance risk
• Economic risk
• Political risk
• Sector-specific risk
• Currency-related risk, where applicable
• Operational and settlement risk

Clients and investors are fully responsible for understanding these risks before making any investment decision.

Aimer Merchants Ltd. may provide guidance, coordination, education, documentation support, or referral support, but final investment decisions remain the responsibility of the client or investor.

7. IPO Consultancy Disclaimer

Aimer Merchants Ltd. may provide IPO-related consultancy, documentation guidance, application support, information assistance, and professional coordination.

However, IPO-related matters are subject to regulatory approval, company eligibility, market conditions, subscription process, allotment rules, authority decisions, and other requirements beyond the control of Aimer Merchants Ltd.

We do not guarantee:

• IPO approval
• IPO allotment
• IPO profitability
• Listing gain
• Market price increase after listing
• Regulatory acceptance
• Any specific timeline for IPO-related processing

Any IPO-related information provided by us should be treated as general guidance unless a formal written engagement and specific advisory scope are agreed.

8. Wealth Management Disclaimer

Wealth management guidance may involve financial planning, asset allocation, risk management, tax planning coordination, retirement planning, portfolio structuring, and long-term financial decision-making.

However, wealth management advice depends on the client’s:

• Income
• Expenses
• Assets
• Liabilities
• Family responsibilities
• Risk tolerance
• Investment goals
• Age
• Business interests
• Tax position
• Liquidity needs
• Future financial plans

General website content cannot replace a personalized wealth management consultation. Clients should not make major financial decisions based only on website articles, service descriptions, or informal discussions.

9. Business Advisory Disclaimer

Aimer Merchants Ltd. may provide business advisory, business documentation, compliance support, investment planning, financial planning, and strategic consultancy.

However, business decisions involve risk. Market conditions, client execution, management decisions, regulatory issues, competition, capital availability, operational performance, and external factors may affect outcomes.

Aimer Merchants Ltd. does not guarantee:

• Business success
• Revenue growth
• Profit growth
• Loan approval
• Investor approval
• Regulatory approval
• Partnership success
• Commercial contract success
• Market expansion result

Business advice should be reviewed together with financial, legal, operational, and commercial considerations.

10. Legal Documentation Disclaimer

Aimer Merchants Ltd. may assist with legal documentation support and professional coordination. However, legal documentation requirements may vary depending on the matter, authority, jurisdiction, document type, and client situation.

Clients are responsible for ensuring that the information provided for legal documentation is accurate and complete.

Where legal opinion, court representation, dispute resolution, deed drafting, title verification, inheritance settlement, contract enforcement, or formal legal advice is required, clients should consult a qualified lawyer or licensed legal professional.

11. No Client Relationship from Website Use Alone

Use of this website, reading our content, submitting an inquiry, calling our phone number, sending an email, or messaging us on WhatsApp does not automatically create a formal professional relationship with Aimer Merchants Ltd.

A formal client relationship starts only when:

• We accept the service request
• The scope of work is confirmed
• Required documents are submitted
• Applicable fees are agreed
• Both parties agree to proceed

Until then, any communication should be treated as general inquiry or preliminary discussion only.

12. Information May Change

Tax laws, VAT rules, regulatory requirements, investment rules, capital market conditions, accounting standards, government processes, documentation requirements, and business regulations may change from time to time.

Although we aim to keep website content updated, we do not guarantee that all information will always reflect the latest legal, regulatory, tax, VAT, accounting, or investment position.

Users should contact Aimer Merchants Ltd. directly for updated service-related information before taking action.

13. Third-Party Information and Services

Some information, services, processes, or outcomes may depend on third parties such as:

• Government offices
• Regulatory authorities
• Banks
• Brokerage firms
• Asset management companies
• Tax professionals
• VAT professionals
• Accountants
• Auditors
• Lawyers
• Technology platforms
• Financial institutions
• Courier or documentation service providers

Aimer Merchants Ltd. is not responsible for the independent actions, delays, fees, policies, errors, decisions, or service quality of third parties unless specifically agreed in writing.

Clients should review the terms, privacy policies, charges, and requirements of third-party service providers where applicable.

14. Client Responsibility

Clients are responsible for:

• Providing accurate information
• Submitting genuine documents
• Reviewing all prepared documents before submission
• Understanding service scope
• Making final business, financial, tax, VAT, legal, or investment decisions
• Paying applicable fees and third-party charges
• Responding to document requests on time
• Complying with applicable laws and regulations
• Seeking independent advice where necessary

Aimer Merchants Ltd. will not be responsible for loss, penalties, delays, rejection, or legal issues caused by client-side errors, false information, delayed response, incomplete documents, or unauthorized activity.

15. No Responsibility for Misuse of Website Content

Website visitors must not misuse our content for unlawful, misleading, fraudulent, or unauthorized purposes.

Users should not copy, modify, distribute, publish, or rely on our content as a substitute for professional advice. Aimer Merchants Ltd. is not responsible for any loss or damage caused by misuse, misinterpretation, or unauthorized use of website content.

16. 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, business, legal, tax, VAT, regulatory, investment, reputational, or other loss arising from:

• Use of website content
• Reliance on general information
• Investment decisions
• Tax or VAT outcomes
• Regulatory decisions
• Government processing delays
• Third-party actions
• Market fluctuations
• Inaccurate client information
• Incomplete documents
• Misinterpretation of content
• Technical website issues
• Communication delays
• Unauthorized use of information

Any professional responsibility, if applicable, shall be limited to the specific written service engagement agreed between Aimer Merchants Ltd. and the client.

17. Professional Review Recommended

Before making any legal, tax, VAT, accounting, investment, financial, IPO, business, or regulatory decision, users should seek proper professional review.

This may include consultation with:

• Tax consultants
• VAT consultants
• Accountants
• Auditors
• Lawyers
• Investment professionals
• Financial advisors
• Brokerage professionals
• Asset management professionals
• Regulatory or government authorities, where applicable

Website information should be used as a starting point for understanding, not as the final basis for important decisions.

18. Updates to This Disclaimer

Aimer Merchants Ltd. may update this Professional Disclaimer from time to time. Updates may be made due to changes in services, laws, regulations, website content, business operations, or professional requirements.

The updated version will be published on our website with a revised “Last Updated” date.

Continued use of our website or services after updates are posted means you accept the revised Professional Disclaimer.

19. Contact Us

For questions about this Professional Disclaimer or any service-related concern, 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