Last Updated: June 2026
These Terms of Use ("Terms"), together with the Privacy Policy and any additional terms published on this website, constitute a binding legal agreement between the visitor or user ("User," "you," "your") and Dr John Mathews, an individual consulting professional based in Mumbai, India ("Organization," "we," "our," "us," "Service Provider").
By accessing, browsing, or using this website in any manner whatsoever, whether by viewing content, downloading materials, submitting forms, requesting reports, or engaging in any other interaction, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree to be bound by these Terms in their entirety, you must immediately cease accessing and using this website.
The Organization reserves the right to modify these Terms at any time. Such modifications become effective upon publication on this website. Your continued use of the website following such publication constitutes your acceptance of the modified Terms. It is your responsibility to review these Terms periodically for updates.
This website and the services offered herein are intended exclusively for individuals and organizations seeking information or consulting services related to anti-money laundering, financial crime compliance, and regulatory risk management for professional, business, or educational purposes.
You represent and warrant that:
If you do not meet these eligibility criteria, you are not permitted to use this website.
This website is operated from India and is subject to Indian law. Users accessing this website from jurisdictions where such access is prohibited or restricted are responsible for compliance with applicable local laws. The Organization is not responsible for determining whether your access or use complies with local law.
All intellectual property embodied in, arising from, or associated with this website is and shall remain the exclusive property of Dr John Mathews, unless expressly stated otherwise. This includes, without limitation, all copyrights, trademarks, service marks, trade names, logos, trade dress, domain names, database rights, design rights, moral rights, and all other proprietary or intellectual property rights, whether registered or unregistered, subsisting under Indian law or any other applicable jurisdiction.
Without limitation, the Organization expressly asserts ownership over all original content and materials published on this website, including but not limited to written articles, blogs, white papers, explanatory materials, frameworks, diagrams, illustrations, presentations, downloadable resources, website structure and layout, user interfaces, workflows, and compilations thereof.
The analytical frameworks, methodologies, concepts and models presented on this website, including the DAREM model, proprietary methodologies, frameworks, models, concepts, publications, books, research materials, educational content and all associated logic, structure, weighting methodologies, scoring logic, classifications, decision trees, interpretive frameworks and analytical assumptions, constitute proprietary intellectual property and confidential know-how of the Organization.
These proprietary elements are protected under applicable laws relating to copyright, confidential information, trade secrets, unfair competition and passing off. The disclosure of any such framework or model through this website does not constitute a waiver of any intellectual property rights, nor does it grant any licence or right to use such methodologies beyond the limited purposes expressly permitted under these Terms.
Nothing contained on this website, whether by implication, estoppel or otherwise, shall be construed as granting, assigning or transferring any intellectual property rights to any user. All rights not expressly granted are reserved in full by the Organization.
Access to the website, viewing of content, generation of an indicative DAREM report, or communication with the Organization does not confer upon any user any ownership interest, licence, or proprietary right in respect of any intellectual property belonging to the Organization.
Subject strictly to compliance with these Terms, the Organization grants users a limited, revocable, non-exclusive, non-transferable and non-sublicensable licence to access and view the content on this website solely for internal, non-commercial, educational and informational purposes.
This limited licence permits users to:
This licence does not permit any form of commercial exploitation, redistribution, republication, or derivative use.
Without the prior express written consent of the Organization, users shall not, directly or indirectly:
Any unauthorized use shall constitute a material breach of these Terms and may give rise to civil and criminal liability under applicable law.
Limited citation of publicly accessible, non-confidential content from the website may be permitted for bona fide academic, journalistic or research purposes, provided that:
Any use beyond fair quotation, including incorporation into training materials, policy documents, compliance frameworks, or advisory outputs, requires prior written permission.
Any information, suggestions, feedback or non-confidential material submitted by users through the website (excluding personal data governed by the Privacy Policy) shall be deemed non-confidential and may be used by the Organization for lawful purposes, including improving services, methodologies or content, without any obligation to compensate the user.
Notwithstanding the above, ownership of any intellectual property pre-existing in user submissions remains with the submitting party, provided such submission does not infringe third-party rights.
The Organization reserves the right to take all lawful action in response to infringement or misuse of its intellectual property, including but not limited to:
No failure or delay in enforcing intellectual property rights shall operate as a waiver of such rights.
All provisions relating to intellectual property ownership, restrictions, and enforcement shall survive termination of access to the website and continue in full force and effect.
Some content on this website may be sourced from or reference third-party materials, including published articles, regulatory guidance, case law, or industry best practices. Such third-party content is included for educational and reference purposes only. The Organization does not assert ownership of third-party content but respects the intellectual property rights of the original authors and publishers. Users are responsible for compliance with any licensing or attribution requirements associated with third-party content.
You covenant and agree that you will NOT use this website to:
You represent and warrant that:
This website provides general information, educational content, and indicative assessment reports related to anti-money laundering and financial crime compliance. The website does NOT constitute an offer to provide professional consulting services or establish an attorney-client, accountant-client, or consultant-client relationship.
No Consulting Relationship Without Written Agreement: A professional consulting engagement relationship is established ONLY where:
Visiting this website, browsing content, or submitting a contact form does NOT create a consulting relationship. The Organization reserves the right to decline any consulting inquiry or to decline to enter into a consulting engagement for any reason, including perceived conflicts of interest, resource constraints, or unsuitability of the potential engagement.
The DAREM assessment report is generated automatically based on data inputs you provide through the form. The report is generated for educational and informational purposes only and carries the following characteristics and limitations:
User Acknowledgment: By requesting a DAREM report, you acknowledge and agree that:
All articles, blogs, commentary, and educational content published on this website are provided for general informational and educational purposes only. Such content:
General Information vs. Professional Advice: Users must understand the distinction between general information (which is provided herein) and professional advice (which requires a formal consulting engagement and is not provided through this website). General information cannot be tailored to your specific circumstances, does not account for your organization's unique risks, and should not be the sole basis for compliance decisions.
This website may contain links to third-party websites, including websites for purchasing publications, books, or educational materials ("Buy Now" or similar links), references to regulatory agencies, research institutions, or industry publications. These links are provided for convenience and reference only.
No Endorsement or Liability: The Organization does NOT:
Your Responsibility: Before engaging with third-party websites or purchasing products or services, you are responsible for:
Your access to third-party websites and engagement with third-party services are governed exclusively by the third party's terms and policies, not by these Terms.
This website, all content, and all services or information provided herein are offered on an "AS IS" and "AS AVAILABLE" basis without any warranties, representations, or guarantees of any kind, whether express or implied.
The Organization DISCLAIMS all warranties, including but not limited to:
The Organization is not liable for:
To the maximum extent permitted under applicable law, the total and aggregate liability of the Organization, whether arising in contract, tort (including negligence), statute, misrepresentation, restitution, equity or otherwise, and whether arising out of or in connection with the website, its content, any tools, reports, services, information or materials made available through it, shall be strictly limited to the lower of:
(a) the total fees, if any, actually paid by you to the Organization for the specific service giving rise to the claim during the three (3) months immediately preceding the event giving rise to such claim; or
(b) Indian Rupees Fifty Thousand (INR 50,000).
This limitation shall apply in the aggregate to all claims, causes of action and liabilities of every kind and shall apply irrespective of the number of claims asserted, the legal theory invoked, or whether the alleged liability arises from breach of contract, negligence, gross negligence, misrepresentation, intellectual property infringement, failure of consideration, or otherwise.
For the avoidance of doubt, where no fees have been paid by you to the Organization in relation to the relevant service, the Organization shall have no monetary liability whatsoever, save and except to the extent such limitation is expressly prohibited by mandatory law.
In no event shall the Organization be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
This exclusion applies even if the Organization has been advised of the possibility of such damages.
These limitations on liability are fundamental to the consideration supporting this agreement and reflect the allocation of risk between the parties. You acknowledge and accept these limitations as a condition of receiving the information and services provided herein.
You agree to indemnify, defend, and hold harmless Dr John Mathews and all associated entities, agents, employees, and advisers from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
This indemnity is conditioned on the Organization:
These Terms and all matters relating to your use of this website and any services provided herein are governed by and shall be construed in accordance with the laws of India, specifically the laws of the State of Maharashtra, without regard to conflicts of law principles.
Exclusive Jurisdiction: Both parties irrevocably consent to the exclusive jurisdiction and venue of the courts located in Mumbai, Maharashtra, India, for resolution of any disputes, claims, or legal proceedings arising from or related to these Terms or your use of the website. You waive any objection to venue in these courts and any claim that such courts are an inconvenient forum.
Dispute Resolution: Before initiating formal litigation, the parties agree to attempt resolution of disputes through good-faith negotiation. If negotiation is unsuccessful, disputes may be referred to arbitration under the Arbitration and Conciliation Act, 1996 (if mutually agreed).
This website is operated for the purpose of disseminating information, thought leadership, analytical frameworks and educational material relating to anti-money laundering, compliance risk and governance, and to provide a platform through which interested users may learn about, enquire into, or request further information regarding consulting services, publications and related offerings made available by the Organization.
The availability of information, tools, reports, contact details or enquiry forms on this website does not, by itself, constitute the provision of professional advice, nor does it create or imply any consulting, advisory, fiduciary or professional relationship between you and the Organization. Any consulting or advisory services are offered strictly on a commercial basis and shall arise only pursuant to a separate, written engagement agreement executed between the parties.
Nothing contained on this website shall be construed as legal advice, regulatory advice, audit advice or as a solicitation of legal work, nor shall it be interpreted as creating obligations beyond those expressly agreed in writing. Users remain free to choose whether or not to engage the Organization’s services or purchase any publications or materials, and any such decision is taken at the user’s sole discretion and risk.
By accessing this website, you acknowledge and confirm that:
Visiting this website, reading content, submitting a contact form, or engaging in preliminary discussion does NOT establish a consulting relationship. A formal consulting engagement is established only through:
The Organization reserves the right to modify, suspend, or discontinue any aspect of this website or its services, including but not limited to:
Such modifications will be effective upon publication unless advance notice is required by law.
The Organization reserves the right to terminate your access to the website at any time, with or without cause, and without liability. Grounds for termination may include:
Upon termination, all licenses and rights granted to you automatically cease.
If any provision of these Terms is determined by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be severed, and the remaining provisions shall remain in full force and effect.
These Terms, together with the Privacy Policy and any additional terms published on this website, constitute the entire agreement between you and the Organization regarding your use of the website and services. These Terms supersede all prior negotiations, representations, and agreements, whether written or oral, relating to this subject matter.
For questions, support requests, or concerns regarding these Terms, the website, or services provided, please contact:
Dr John Mathews
Email: hello@drjohnmathews.com
Address: Mumbai, Maharashtra, India