Terms of Service

You may browse, link to and quote our content for non-commercial purposes with attribution. Reproduction of substantial portions, including research reports and downloadable resources, requires our prior written permission.

You agree not to use the site in any way that violates applicable law, disrupts service, or attempts to access systems you are not authorised to access.

Our content reflects our professional view at the date of publication. It is not legal advice. Regulatory rules change; please verify against primary sources or engage us for an advisory mandate before acting on it.

All site content — including writing, graphics, frameworks, logo and brand identity — is owned by Testa & Tegmen or our licensors. Rights to client deliverables are governed by the relevant engagement letter.

Browsing the site does not create a consultant-client relationship. Engagements begin only when we sign an engagement letter or statement of work. Proposals on this site are illustrative.

We may link to regulator portals, partner sites and external resources. We don’t control those sites and aren’t responsible for their content.

To the maximum extent permitted by law, we exclude liability for indirect, incidental or consequential loss arising from your use of the site or reliance on its content.

These terms are governed by the laws of India. Courts in Bengaluru have exclusive jurisdiction over any dispute arising in connection with them.