Privacy Policy

1. Introduction

Welcome to FIVE:45 Consulting ("Company", "we", "our", or "us"), a financial consulting and advisory firm operating under Gritway Innovation Pvt. Ltd.

Registered Office Address:

Gritway Innovations LLP.
Manjappara - Nellarachal Road,
Ambalavayal, Manjapaara,
Kerala – 673593, India.

At FIVE:45 Consulting, we are committed to protecting the privacy, confidentiality, and security of the personal and financial information entrusted to us. This Privacy Policy explains how we collect, use, process, store, and protect information obtained through our website, services, consultations, and communications.

By accessing our website or using our services, you agree to the terms of this Privacy Policy.

2. About Our Services

FIVE:45 Consulting provides professional services including but not limited to:

• CFO Consulting
• Financial Planning & Analysis (FP&A)
• Cash Flow Management
• Business Performance Monitoring
• Financial Reporting & MIS
• Strategic Financial Advisory
• Cost Optimization & Efficiency Consulting
• Startup Financial Consulting
• Income Tax Return (ITR) Filing
• GST Registration, Advisory & Compliance
• Business and Professional Tax Support
• Capital Gains and Investment Taxation
• Notice and Compliance Handling
• UAE Tax Services
• Bookkeeping and Accounting
• Payroll Accounting
• Statutory Audits
• Tax Audits
• Customized Financial Software Solutions

3. Information We Collect

We may collect and process the following categories of information:

Personal Information

• Full name
• Email address
• Mobile number
• Company name
• Business address
• Professional information

Financial and Business Information

• Financial statements
• Accounting records
• GST and tax-related information
• Payroll and employee data
• Business performance data
• Investment and capital gains information
• Compliance-related documents

Technical Information

• IP address
• Browser type
• Device information
• Operating system
• Website interaction data
• Cookies and analytics information

Communication Information

• Contact form submissions
• Consultation requests
• Email communications
• Customer support interactions

4. How We Use Your Information

We use the information collected to:

• Deliver financial consulting and advisory services.
• Provide taxation, accounting, auditing, and compliance services.
• Prepare financial reports and statutory filings.
• Manage payroll and bookkeeping services.
• Respond to inquiries and support requests.
• Improve our services and website performance.
• Comply with legal, regulatory, and professional obligations.
• Detect, prevent, and investigate fraud or unauthorized activities.
• Develop and maintain customized financial software solutions.

5. Client Confidentiality

FIVE:45 Consulting understands the sensitive nature of financial information.

All financial records, tax documents, business information, compliance documents, and confidential data shared with us are treated as strictly confidential and are accessible only to authorized personnel who require such access for the delivery of professional services.

We maintain appropriate safeguards to preserve the confidentiality and integrity of client information.

6. Legal Basis for Processing

We process personal information based on one or more of the following legal grounds:

• Your consent.
• Performance of contractual obligations.
• Compliance with legal and regulatory requirements.
• Legitimate business interests necessary for providing our services.

We process personal data in accordance with applicable laws, including the Digital Personal Data Protection Act, 2023 (India) and other relevant regulations.

7. Information Sharing and Disclosure

We do not sell, rent, trade, or otherwise disclose personal information to third parties for marketing purposes.

Information may be shared only when necessary with:

Professional Service Providers

• Chartered Accountants
• Auditors
• Tax Consultants
• Legal Advisors
• Compliance Professionals

Technology Partners

• Website hosting providers
• Cloud service providers
• Software and IT service providers
• Business support service providers

Regulatory Authorities

Where disclosure is required by law, court order, government authority, or regulatory obligation.

All third parties receiving information are required to maintain appropriate confidentiality and security standards.

8. Data Security

We implement reasonable technical, administrative, and organizational safeguards to protect personal and financial information against:

• Unauthorized access
• Disclosure
• Modification
• Destruction
• Loss or misuse

Despite our efforts, no electronic transmission or storage system can be guaranteed to be completely secure. Users acknowledge and accept this inherent risk.

9. Data Retention

We retain personal and financial information only for as long as necessary to:

• Deliver our services.
• Meet statutory, tax, accounting, and regulatory requirements.
• Resolve disputes.
• Enforce contractual obligations.

Information that is no longer required will be securely deleted or anonymized where appropriate.

10. Cookies and Website Analytics

Our website may use cookies and similar technologies to:

• Improve user experience.
• Analyze website performance.
• Understand visitor behavior.
• Enhance website functionality.

Users may disable cookies through browser settings; however, some website features may not function properly.

11. Your Rights

Subject to applicable laws, you may have the right to:

• Access your personal information.
• Request correction of inaccurate information.
• Request deletion of personal data.
• Withdraw consent where applicable.
• Object to certain processing activities.
• Request information regarding how your data is processed.

To exercise any of these rights, please contact us using the details provided below.

12. Data Breach Notification

In the event of a data security incident affecting personal information, FIVE:45 Consulting will take appropriate steps to investigate, contain, and mitigate the incident and will provide notifications where required under applicable laws and regulations.

13. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices, security measures, or content of such websites. Users are encouraged to review the privacy policies of external websites before sharing information.

14. Children's Privacy

Our services are intended for businesses, professionals, entrepreneurs, and individuals above the age of 18 years.

We do not knowingly collect personal information from children.

15. Financial Disclaimer

The information available on this website is provided for general informational purposes only.

Nothing contained on this website constitutes legal, tax, accounting, investment, financial, or professional advice unless expressly provided under a formal client engagement.

Users should seek professional consultation before making financial, tax, or business decisions.

16. Changes to This Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time.

Any changes will be posted on this page with an updated revision date. Continued use of our website and services following such updates constitutes acceptance of the revised Privacy Policy.

17. Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of India.

Any disputes arising from or relating to this Privacy Policy shall be subject to the jurisdiction of the competent courts in Kerala, India.

18. Contact Information

For questions regarding this Privacy Policy or our data handling practices, please contact:

FIVE:45 Consulting
A Division of Gritway Innovations LLP.

📧 Email: info@teamfive45.com
📞 Phone: +91 7010851121
🌐 Website: www.teamfive45.com

Registered Office:
Manjappara - Nellarachal Road,
Ambalavayal, Manjapaara,
Kerala – 673593, India.

By accessing our website and using our services, you acknowledge that you have read, understood, and agreed to this Privacy Policy.