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

Welcome to the official website of Aimer Merchants Ltd. These Terms and Conditions govern your access to and use of our website, services, content, consultation process, communication channels, and any information provided through our website or directly by our team.

By visiting our website, submitting an inquiry, requesting consultation, using our services, or communicating with us through phone, email, WhatsApp, social media, or any other channel, you agree to be bound by these Terms and Conditions.

If you do not agree with any part of these Terms and Conditions, please do not use our website or services.

1. About Aimer Merchants Ltd.

Aimer Merchants Ltd. is a Bangladesh-based professional consultancy firm offering services related to wealth management, tax and VAT consultancy, IPO consultancy, accounting services, legal documentation, capital market investment guidance, and business advisory support.

Our office address is:

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. Acceptance of Terms

By using this website or engaging with Aimer Merchants Ltd., you confirm that:

• You have read and understood these Terms and Conditions.
• You agree to comply with these Terms and Conditions.
• You are legally capable of entering into a service relationship.
• Any information you provide to us is true, accurate, complete, and lawful.
• You will not use our website or services for any illegal, fraudulent, misleading, or unauthorized purpose.

These Terms and Conditions apply to all website visitors, clients, prospective clients, investors, business owners, representatives, vendors, partners, and other users who interact with Aimer Merchants Ltd.

3. Services We Provide

Aimer Merchants Ltd. may provide professional consultancy and advisory services, including but not limited to:

• Wealth management advisory
• Tax consultancy
• VAT consultancy
• Accounting services
• IPO consultancy
• Legal documentation support
• Capital market investment guidance
• Business advisory services
• Financial planning support
• Corporate documentation guidance
• Compliance-related consultancy
• Partner referral and coordination services where applicable

The exact scope of work, service fees, timeline, required documents, and responsibilities will depend on the specific service requested by the client.

4. Website Content Is for General Information

The content published on this website is provided for general informational, educational, and promotional purposes only.

Website content may include information about tax, VAT, accounting, investment, wealth management, capital market, legal documentation, business consultancy, financial planning, and related topics. However, such content should not be treated as final legal, tax, accounting, investment, financial, or regulatory advice.

Before making any business, tax, investment, financial, or legal decision, you should consult with a qualified professional and provide full documents for proper review.

5. No Professional Relationship from Website Use Alone

Visiting our website, reading our content, submitting a general inquiry, or communicating with us informally does not automatically create a formal client-consultant, advisor-client, legal, tax, accounting, or investment advisory relationship.

A formal service relationship begins only when:

• Aimer Merchants Ltd. accepts your service request.
• The scope of work is agreed.
• Required documents are provided.
• Applicable fees or advance payments are confirmed.
• Both parties agree to proceed with the service.

Until such confirmation, any information shared should be considered general communication only.

6. Client Responsibilities

Clients and website users are responsible for providing accurate, complete, updated, and lawful information.

When requesting services from Aimer Merchants Ltd., you agree to:

• Provide correct personal, business, tax, VAT, financial, and identity information.
• Submit genuine and valid documents.
• Disclose relevant facts required for service delivery.
• Respond to document requests within a reasonable time.
• Review drafts, forms, applications, returns, or submissions before approval.
• Pay agreed fees on time.
• Avoid providing false, misleading, forged, incomplete, or manipulated documents.
• Inform us immediately if any submitted information changes.
• Comply with applicable laws, rules, regulations, and authority requirements.

Aimer Merchants Ltd. will not be responsible for errors, delays, penalties, rejection, loss, or compliance issues caused by false, incomplete, inaccurate, delayed, or misleading information provided by the client.

7. Accuracy of Documents and Information

Clients must ensure that all documents, statements, financial records, tax records, business information, investment information, and identity details submitted to Aimer Merchants Ltd. are accurate and authentic.

We may rely on the information and documents provided by the client. We are not responsible for independently verifying every document unless verification is included in the agreed service scope.

If false or misleading information is provided, Aimer Merchants Ltd. reserves the right to suspend or terminate the service immediately.

8. Service Scope and Limitations

Each service provided by Aimer Merchants Ltd. will have a defined scope. The scope may be confirmed through written communication, email, proposal, quotation, invoice, engagement note, service agreement, or other accepted communication method.

Unless specifically agreed in writing, our services do not include:

• Guaranteed investment profit
• Guaranteed IPO approval
• Guaranteed tax reduction
• Guaranteed VAT outcome
• Guaranteed regulatory approval
• Guaranteed loan approval
• Guaranteed timeline for government or third-party processing
• Legal representation in court
• Audit certification
• Brokerage execution directly by Aimer Merchants Ltd., unless separately arranged through an authorized entity
• Services outside the agreed scope

Additional work beyond the agreed scope may require additional fees and a separate confirmation.

9. No Guarantee of Outcome

Aimer Merchants Ltd. provides professional guidance, consultancy, coordination, and support based on available information, documents, applicable procedures, and professional judgment.

However, we do not guarantee:

• Any specific investment return
• Any stock market profit
• IPO approval or allotment
• Regulatory approval
• Tax assessment result
• VAT assessment result
• Government processing timeline
• Third-party approval
• Bank approval
• Successful completion where client documents are incomplete or inaccurate
• Any outcome controlled by government authorities, regulators, banks, brokerage firms, asset management companies, legal authorities, or other third parties

Any estimated timeline, tax impact, investment expectation, or possible outcome shared by us should be treated as an estimate only, not a guarantee.

10. Investment and Capital Market Risks

Any capital market, IPO, stock, bond, mutual fund, portfolio, or investment-related discussion involves risk.

Clients understand and agree that:

• Investment values may rise or fall.
• Past performance does not guarantee future results.
• Market conditions may change.
• Capital market investment carries financial risk.
• Liquidity risk, regulatory risk, business risk, market risk, and economic risk may apply.
• Final investment decisions remain the responsibility of the client or investor.
• Aimer Merchants Ltd. does not guarantee fixed profit, return, or capital protection unless such guarantee is formally provided by an authorized and regulated product provider.

Clients should carefully review their financial condition, risk tolerance, investment goals, and time horizon before making investment decisions.

11. Tax, VAT, and Compliance Limitations

Tax, VAT, accounting, and compliance-related advice depends on the client’s documents, business type, income source, transaction records, turnover, applicable laws, and authority requirements.

Clients understand and agree that:

• Tax and VAT rules may change from time to time.
• Final tax or VAT liability depends on applicable law and authority review.
• Clients must provide accurate records and supporting documents.
• Aimer Merchants Ltd. is not responsible for penalties caused by missing, false, delayed, or incomplete client information.
• Website content should not be treated as final tax or VAT advice.
• Professional review is required before making tax, VAT, or accounting decisions.

12. Fees and Payment Terms

Fees for services may vary depending on the nature, complexity, timeline, document requirements, professional involvement, and third-party charges related to the requested service.

Before starting a service, we may provide a fee quotation, estimate, invoice, or payment instruction.

Clients agree to:

• Pay agreed fees within the required timeline.
• Pay advance fees where applicable.
• Pay government fees, application fees, stamp fees, bank charges, third-party fees, courier charges, or other external costs where required.
• Understand that some payments may be non-refundable once work has started.
• Review payment instructions carefully before making payment.

Aimer Merchants Ltd. will not be responsible for payment delays, wrong payment transfers, or service delays caused by incomplete payment.

13. Refund and Cancellation

Refund and cancellation matters will be handled according to our Refund and Cancellation Policy or the specific terms agreed for the service.

In general, refunds may not be available for:

• Completed consultation
• Work already performed
• Document preparation already started
• Professional time already spent
• Government fees
• Third-party fees
• Application fees
• Stamp fees
• Filing fees
• Bank charges
• Services delayed due to client-side document issues

Clients should review the applicable refund and cancellation terms before making payment.

14. Third-Party Services and Referrals

Some services may require coordination with third-party professionals or organizations, including:

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

Aimer Merchants Ltd. may refer, coordinate, or communicate with such third parties where necessary for service delivery.

Third-party organizations may have their own terms, fees, timelines, privacy policies, documentation requirements, and service limitations. Aimer Merchants Ltd. is not responsible for delays, decisions, rejections, errors, policies, or actions of independent third parties unless such responsibility is specifically agreed in writing.

15. Client Confidentiality

Aimer Merchants Ltd. respects client confidentiality and takes reasonable steps to protect personal, business, financial, tax, VAT, investment, and documentation-related information.

However, information may be shared with authorized professionals, partners, service providers, government authorities, regulators, or third parties where necessary for service delivery, compliance, legal requirements, or with client consent.

For more details, please review our Privacy Policy and Client Confidentiality Policy.

16. Use of Website

You agree to use our website only for lawful purposes.

You must not:

• Use the website for fraudulent or illegal activity.
• Attempt to hack, damage, disable, or interfere with the website.
• Upload harmful code, malware, spam, or malicious content.
• Copy website content without permission.
• Misrepresent your identity.
• Submit false information through contact forms.
• Use the website to harass, defame, threaten, or abuse others.
• Attempt to gain unauthorized access to our systems, data, or accounts.
• Use our website content for misleading commercial purposes.

We reserve the right to restrict, block, or take action against any user who misuses our website or services.

17. Intellectual Property Rights

All website content, including text, graphics, design, layout, logo, brand name, images, icons, videos, service descriptions, blog posts, documents, and other materials, is owned by Aimer Merchants Ltd. or used with permission.

You may not copy, reproduce, modify, publish, distribute, sell, reuse, or commercially exploit any website content without written permission from Aimer Merchants Ltd.

You may view and print website content for personal, educational, or internal business reference only, provided that the content is not modified or used in a misleading way.

18. Website Availability

We aim to keep our website available and functional. However, we do not guarantee uninterrupted, error-free, or secure access to the website.

The website may be unavailable due to:

• Technical issues
• Server maintenance
• Security updates
• Internet problems
• Hosting provider issues
• Cyber incidents
• Force majeure events
• Changes to website structure or content

Aimer Merchants Ltd. will not be responsible for any loss caused by temporary website unavailability.

19. Website Content Updates

We may update, modify, remove, or replace website content at any time without prior notice.

Information about services, fees, policies, laws, tax rules, VAT rules, investment matters, regulatory matters, and business processes may change over time. We do not guarantee that every website page will always reflect the most current legal, tax, financial, or regulatory position.

Users should contact us directly for updated service information before making decisions.

20. External Links

Our website may include links to external websites, government portals, regulatory websites, partner websites, social media platforms, payment gateways, or third-party resources.

These links are provided for convenience only. Aimer Merchants Ltd. does not control and is not responsible for:

• Third-party website content
• Privacy practices
• Security standards
• Terms and conditions
• Accuracy of information
• Service quality
• Third-party decisions or actions

Users should review third-party policies before using external websites or submitting information.

21. Limitation of Liability

To the maximum extent permitted by applicable law, Aimer Merchants Ltd., its directors, employees, consultants, partners, representatives, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, financial, business, tax, investment, regulatory, reputational, or other loss arising from:

• Use of our website
• Reliance on website content
• Incomplete or incorrect client information
• Delayed document submission by clients
• Third-party delays or decisions
• Government or regulatory action
• Market fluctuation
• Investment loss
• Tax or VAT assessment outcome
• Technical website issues
• Email, WhatsApp, or internet communication risks
• Unauthorized access beyond our reasonable control
• Force majeure events

Our total liability, if any, shall be limited to the amount paid by the client for the specific service giving rise to the claim, unless otherwise required by law.

22. Indemnification

You agree to indemnify and hold harmless Aimer Merchants Ltd., its directors, employees, consultants, partners, representatives, and affiliates from any claims, losses, damages, liabilities, costs, or expenses arising from:

• Your misuse of the website
• Your breach of these Terms and Conditions
• False or misleading information provided by you
• Forged or invalid documents submitted by you
• Your violation of law or third-party rights
• Your unauthorized use of our content
• Your failure to comply with tax, VAT, legal, regulatory, or financial obligations

23. Communication

By contacting Aimer Merchants Ltd., you agree that we may communicate with you through:

• Phone call
• SMS
• Email
• WhatsApp
• Website form response
• Social media message
• In-person meeting
• Courier or document delivery channel
• Other agreed communication methods

Clients are responsible for checking messages, responding to document requests, and ensuring that contact information remains updated.

We are not responsible for delays caused by incorrect phone numbers, inactive email addresses, unread messages, or failure to respond.

24. Electronic Documents and Digital Communication

You agree that documents, approvals, instructions, and confirmations may be exchanged electronically unless physical documents are legally required.

Electronic communication may include scanned copies, PDFs, email attachments, WhatsApp documents, cloud links, digital forms, or other accepted formats.

Clients should ensure that any electronically submitted documents are clear, complete, authentic, and readable.

25. Force Majeure

Aimer Merchants Ltd. shall not be responsible for delays, failure, or interruption in service caused by events beyond our reasonable control, including but not limited to:

• Natural disasters
• Fire
• Flood
• Epidemic or pandemic
• War
• Political unrest
• Government restrictions
• Internet failure
• Power failure
• Cyberattack
• Server outage
• Banking disruption
• Regulatory delay
• Court or government office closure
• Strike or civil disturbance
• Any other event beyond reasonable control

26. Termination of Service

Aimer Merchants Ltd. reserves the right to refuse, suspend, or terminate service if:

• The client provides false or misleading information.
• The client submits forged or invalid documents.
• The client requests illegal or unethical work.
• The client fails to pay agreed fees.
• The client refuses to provide required documents.
• The client behaves abusively or unprofessionally.
• The service creates legal, regulatory, reputational, or compliance risk.
• Continuing the service becomes impractical or unlawful.

Termination of service does not remove the client’s obligation to pay for work already completed or costs already incurred.

27. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and interpreted in accordance with the applicable laws of Bangladesh.

Any dispute arising from the use of our website, services, communication, or these Terms and Conditions shall be subject to the jurisdiction of the competent courts or authorities of Bangladesh, unless otherwise agreed in writing.

28. Dispute Resolution

If any dispute arises, both parties should first attempt to resolve the matter through good-faith discussion and negotiation.

Clients may contact Aimer Merchants Ltd. with details of the issue, service type, relevant documents, and preferred resolution.

If the dispute cannot be resolved through discussion, it may be handled according to applicable laws and jurisdiction in Bangladesh.

29. Changes to These Terms and Conditions

Aimer Merchants Ltd. may update these Terms and Conditions from time to time. Changes may be made due to service updates, legal changes, regulatory requirements, website improvements, or business needs.

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

Continued use of our website or services after changes are posted means you accept the updated Terms and Conditions.

30. Contact Information

For questions, concerns, or requests regarding these Terms and Conditions, 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