FORMAL LEGAL DISCLAIMER

This website (“Service”) is owned and operated by Rubik Ghosh (“the Company”, “I”, “me”, or “my”) and is provided for general informational and entertainment purposes only.

All views and opinions expressed on this blog are entirely my own and do not represent those of my current or past employers, including Deloitte. This blog is a personal platform and is not affiliated in any way with any employer, business partner, or entity I may be associated with. I do not publish any confidential, proprietary, or internal information related to Deloitte or its clients.

While I strive for accuracy, I make no representations or warranties regarding the accuracy, reliability, completeness, or timeliness of any information provided. Any errors, humorous content, or opinions expressed are solely my responsibility.

Nothing on this site constitutes legal, financial, accounting, investment, or other professional advice. Use the information at your own risk.

I do not share, promote, or imply any confidential, strategic, or insider knowledge related to my employment at Deloitte. This website is maintained in full compliance with Deloitte’s independence, confidentiality, and compliance policies. All content is created in my personal capacity outside of work hours and resources.

The content on this website is provided “as is” without warranties of any kind. I disclaim all responsibility for any loss, damage, or liability that may arise from the use of this website or its content.

You agree not to hold me or the Company liable for any decisions made or actions taken based on the information provided here.

The views and opinions expressed here are those of the author only and do not reflect the official policy or position of any organisation, including Deloitte. Guest authors’ views are their own and similarly unaffiliated.

User-submitted comments are the responsibility of the commenter. I reserve the right to moderate or delete any comment at my discretion.

I strive to avoid conflicts of interest. Any commentary or content reflecting on industries I work in is purely personal and not to be interpreted as representative of any organisation I am affiliated with.

This site may contain links to external websites. I do not guarantee the accuracy, relevance, or completeness of any information on those external sites and am not responsible for any content or services they provide.

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If you believe your copyrighted material has been used improperly, please contact me for resolution.

References to any third-party products, services, or entities are provided for informational purposes only and do not constitute endorsement or recommendation.

This Disclaimer and any disputes arising from the use of this website shall be governed by and interpreted in accordance with the laws of Queensland, Australia. Any legal disputes shall be resolved in the applicable courts of that jurisdiction.

Use of this website is at your own risk. You assume full responsibility for any outcomes, actions, or decisions resulting from the use of any information or tools provided herein. I disclaim any liability for losses or damages arising directly or indirectly from the use or misuse of this website. This site is operated in a personal capacity and is not affiliated with, endorsed by, or connected to Deloitte. Any views expressed are my own.

Any coaching services previously referenced on this website were strictly related to personal development and not business, financial, or professional consulting advice. As of 5 May 2025, all 1:1 consultations and coaching services are suspended until further notice. No services are currently offered or solicited through this site.