Legal Information

Effective Date: October 5, 2026

Last Updated: October 5, 2026

Welcome to santanupain.com (the “Website”). This Website is operated and maintained by Santanu Pain and STERLING SOVEREIGN GROUP (collectively, “we,” “us,” or “our”).

By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Privacy Policy (“PRIVACY”) & Terms of Use (“TERMS”), to the extent permitted by applicable law.

If you do not agree with these Terms, please discontinue use of the Website.

We respect your privacy and are committed to handling personal information responsibly.

This Privacy Policy explains what information may be collected through the Website, how that information may be used, how it may be protected, and the choices that may be available to you under applicable law.

This Privacy Policy applies to information collected through this Website and does not necessarily apply to information collected through third-party websites, platforms, applications, or services that may be accessible through links from this Website.

You may voluntarily provide personal information when you interact with the Website or contact us. Depending on the features available on the Website, this may include:

• Full name;
• Email address;
• Telephone or other contact information;
• Information contained in communications or inquiries;
• Information you voluntarily submit through forms; and
• Other information you voluntarily choose to provide.

You should avoid submitting sensitive, confidential, financial, authentication, or other highly confidential information through ordinary Website forms unless specifically requested through an appropriate secure channel.

When you access the Website, certain technical information may be automatically processed by the Website, hosting provider, security services, analytics services, or other technical infrastructure. Depending on the configuration of the Website and services supporting it, this may include:

• Internet Protocol (IP) address;
• Browser type and version;
• Device type;
• Operating system;
• Approximate geographic region;
• Referring website;
• Pages viewed;
• Date and time of access;
• Website interaction information; and
• Technical and security logs.

This information may be used for security, functionality, performance, diagnostics, analytics, and improvement of the Website.

The Website may use cookies, local storage, pixels, or similar technologies where necessary for functionality, security, performance, analytics, or other legitimate purposes.

Cookies are small data files that may be stored on your device by a website.

You may be able to control or disable certain cookies through your browser or device settings. However, disabling certain technologies may affect the availability or functionality of parts of the Website.

Where third-party services use cookies or similar technologies, their own privacy policies may also apply.

Information collected through the Website may be used for legitimate purposes including:

• Responding to inquiries and communications;
• Providing information requested by you;
• Operating and maintaining the Website;
• Improving Website functionality and user experience;
• Understanding Website performance and usage;
• Detecting, preventing, and addressing fraud, abuse, spam, and security incidents;
• Protecting the rights, property, and security of the Website and its users;
• Complying with applicable legal and regulatory requirements;
• Establishing, exercising, or defending legal claims; and
• Other purposes disclosed to you at the time information is collected.

We do not sell your personal information simply because you visit or use this Website.

Where applicable law requires a lawful basis for processing personal information, we may process information on the basis of:

• Your consent;
• Performance of a requested service or communication;
• Compliance with a legal obligation;
• Legitimate interests, where permitted by applicable law; or
• Other lawful grounds recognized by applicable law.

We may disclose or provide access to information where reasonably necessary to operate the Website or conduct legitimate activities. This may include sharing information with:

• Website hosting and infrastructure providers;
• Security and fraud-prevention providers;
• Website analytics or performance providers;
• Email and communication service providers;
• Professional advisers;
• Legal, regulatory, governmental, or law-enforcement authorities where required or permitted by law; and
• Other service providers acting on our behalf.

We do not authorize third parties to use personal information for purposes inconsistent with the services they provide to us, subject to their applicable terms and legal obligations.

The Website may contain links to third-party websites, applications, platforms, social-media profiles, or other external services. These third parties operate independently from us. We do not control and are not responsible for:

• Their privacy practices;
• Their security;
• Their content;
• Their availability;
• Their cookies or tracking technologies;
• Their terms of use; or
• Their collection or processing of personal information.

You should review the privacy policies and terms applicable to any third-party service before using it or providing personal information.

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including where necessary to:

• Provide requested services or communications;
• Maintain appropriate business and operational records;
• Comply with legal, tax, accounting, or regulatory obligations;
• Resolve disputes;
• Prevent fraud or abuse; or
• Establish, exercise, or defend legal rights.

The appropriate retention period may vary depending on the nature of the information and the purpose for which it is processed.

We take reasonable technical and organizational measures designed to protect personal information against unauthorized access, misuse, alteration, disclosure, loss, or destruction.

However, no method of electronic transmission, storage, or processing can be guaranteed to be completely secure. Accordingly, while reasonable precautions may be taken, we cannot guarantee absolute security of information transmitted through the internet.

Depending on your location and applicable law, you may have certain rights concerning your personal information. These may include the right to:

• Request access to personal information held about you;
• Request correction of inaccurate or incomplete information;
• Request deletion of personal information where legally applicable;
• Withdraw consent where processing is based on consent;
• Object to certain processing;
• Request restriction of certain processing;
• Request information regarding processing activities; and
• Lodge a complaint with an applicable data-protection or supervisory authority.

We may need to verify your identity before processing certain requests.

These rights are subject to applicable legal limitations and exceptions.

The Website is not intentionally directed toward children under the age of 18.

We do not knowingly seek to collect personal information from children through the Website.

If you believe that a child has provided personal information through the Website, please contact us so that appropriate steps can be considered.

The Website may be accessed by visitors from different countries.

Depending on the location of our service providers and technical infrastructure, information may be processed or stored in India or other jurisdictions.

Where applicable law requires additional safeguards for international transfers of personal information, such safeguards will be applied as required by law.

By accessing or using santanupain.com, you agree to comply with these Terms of Use and all applicable laws and regulations.

If you do not agree with these Terms, you must discontinue use of the Website.

You may access and use the Website for lawful personal, informational, professional, and other legitimate purposes.

You agree not to use the Website for any purpose that:

• Violates applicable law or regulation;
• Infringes another person’s rights;
• Attempts to gain unauthorized access to systems or information;
• Interferes with the Website’s operation or security;
• Introduces malware, viruses, or other harmful code;
• Attempts to circumvent security mechanisms;
• Uses automated systems to scrape or systematically extract Website content without authorization;
• Impersonates another person or entity; or
• Otherwise abuses the Website or its infrastructure.

Unless expressly stated otherwise, all content, materials, intellectual property, and other elements appearing on this Website are reserved by and/or owned by Santanu Pain and STERLING SOVEREIGN GROUP, subject to any applicable third-party rights. This includes, without limitation:

• Written content;
• Articles and publications;
• Photographs;
• Images;
• Graphics;
• Illustrations;
• Videos;
• Audio;
• Logos;
• Trademarks;
• Service marks;
• Brand identities;
• Website design;
• Website layout;
• Typography and visual presentation;
• Original concepts and creative materials;
• Downloadable materials;
• Documents;
• Digital assets;
• Source materials, where applicable; and
• The compilation, arrangement, and presentation of the Website.

All applicable copyright, trademark, design, database, trade-secret, and other intellectual-property rights are reserved.

Except where expressly permitted by us or by applicable law, you may not:

• Copy;
• Reproduce;
• Republish;
• Upload;
• Download for redistribution;
• Modify;
• Adapt;
• Translate for publication;
• Distribute;
• Sell;
• License;
• Create derivative works from;
• Publicly display;
• Publicly perform;
• Commercially exploit; or
• Otherwise use any protected Website content or intellectual property without prior written authorization from the applicable rights holder.

You may view and access Website content for ordinary personal or informational purposes.

This limited access does not transfer ownership of any intellectual property to you and does not constitute a license except where expressly stated.

Certain names, trademarks, logos, photographs, products, services, or other materials appearing on the Website may belong to third parties.

Nothing in these Terms grants you any rights to third-party intellectual property.

Third-party intellectual property remains the property of its respective owners.

© 2026 Santanu Pain and STERLING SOVEREIGN GROUP. All Rights Reserved.

All rights not expressly granted are reserved.

Information published on the Website is provided for general informational and educational purposes.

While reasonable efforts may be made to maintain accurate and useful information, we do not guarantee that every item of content will always be:

• Complete;
• Accurate;
• Current;
• Error-free;
• Suitable for a particular purpose; or
• Available at all times.

Content may be changed, updated, corrected, or removed without prior notice.

Unless expressly stated otherwise, nothing published on this Website constitutes professional advice. This includes, without limitation:

• Legal advice;
• Tax advice;
• Financial advice;
• Investment advice;
• Accounting advice;
• Medical advice;
• Business or commercial advice; or
• Any other regulated professional advice.

You should obtain advice from an appropriately qualified professional before relying on information from the Website for a significant decision.

The Website may provide links to external websites and third-party resources. These links may be provided for convenience, reference, or additional information.

The inclusion of a link does not necessarily constitute an endorsement, sponsorship, recommendation, or affiliation.

We are not responsible for the content, availability, security, privacy practices, or policies of third-party websites.

To the maximum extent permitted by applicable law, the Website and its content are provided on an “AS IS” and “AS AVAILABLE” basis.

To the extent permitted by law, we disclaim warranties and representations, whether express, implied, statutory, or otherwise, including warranties relating to:

• Accuracy;
• Reliability;
• Availability;
• Merchantability;
• Fitness for a particular purpose;
• Non-infringement;
• Security; and
• Uninterrupted or error-free operation.

Nothing in these Terms excludes any warranty, representation, or liability that cannot legally be excluded.

To the maximum extent permitted by applicable law, Santanu Pain, STERLING SOVEREIGN GROUP, and their respective representatives, affiliates, service providers, and personnel shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to:

• Your use of the Website;
• Your inability to access or use the Website;
• Reliance on Website content;
• Errors or omissions in Website content;
• Third-party websites or services;
• Security incidents; or
• Any other matter relating to the Website.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless Santanu Pain and STERLING SOVEREIGN GROUP, together with their respective representatives, affiliates, service providers, and personnel, from claims, liabilities, losses, damages, costs, and expenses arising from or relating to:

• Your unlawful use of the Website;
• Your violation of these Terms;
• Your infringement of another person’s rights; or
• Your misuse of Website content or intellectual property.

We reserve the right to restrict, suspend, or terminate access to the Website, in whole or in part, where reasonably necessary, including in circumstances involving:

• Security concerns;
• Abuse;
• Unauthorized access;
• Violation of these Terms;
• Legal or regulatory requirements; or
• Operational or technical reasons.

Sections concerning intellectual property, disclaimers, limitation of liability, governing law, and other provisions that by their nature should survive termination shall continue to apply.

We reserve the right to modify, update, suspend, discontinue, or otherwise change any part of the Website at any time without prior notice.

We are not responsible for any loss resulting from the unavailability or modification of the Website to the extent permitted by applicable law.

We may update this Privacy Policy & Terms of Use from time to time.

When changes are made, the “Last Updated” date at the beginning of this page may be revised.

Your continued use of the Website after an updated version becomes available constitutes acceptance of the updated Terms, to the extent permitted by applicable law.

If a material change requires additional notice or consent under applicable law, such notice or consent will be provided as required.

These Terms shall be governed by and interpreted in accordance with the laws of India, without regard to conflict-of-law principles, except where mandatory applicable law provides otherwise.

Subject to applicable law, disputes arising out of or relating to the Website or these Terms shall be subject to the jurisdiction of the competent courts in West Bengal, India.

Nothing in this section prevents a person from exercising rights that cannot lawfully be restricted by a contractual choice of jurisdiction.

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision shall be interpreted or modified to the minimum extent necessary to make it enforceable, where legally permissible.

The remaining provisions shall continue in full force and effect.

These Terms constitute the general agreement governing your use of the Website with respect to the matters addressed herein, subject to any additional terms expressly applicable to particular services, features, or transactions.

Failure to enforce any provision of these Terms shall not constitute a waiver of the right to enforce that provision or any other provision in the future.

For privacy inquiries, intellectual-property matters, legal notices, or questions regarding these Terms, please contact:

Santanu Pain

STERLING SOVEREIGN GROUP

Website: santanupain.com

Email: info@santanupain.com

For intellectual-property requests, please provide sufficient information identifying the relevant material and the nature of your request.

Your access to and use of this Website are subject to this Privacy Policy & Terms of Use.

© 2026 Santanu Pain and STERLING SOVEREIGN GROUP. All Rights Reserved.

No rights are granted except as expressly stated.