Terms of Use
Terms of Use
Website: https://legalwisdomhub.in
Owner: Ashok Kakkar
Location: Chandigarh, India
Contact: akkakkar.58@gmail.com
Last Updated: September 2026
Welcome to Legal Wisdom Hub.
Legal Wisdom Hub is an independent knowledge-sharing website created and maintained by Ashok Kakkar, Advocate, IBBI-Registered Insolvency Professional and former senior banking professional. The website publishes articles and practical information relating to banking, finance, credit, NPA management, recovery, insolvency and bankruptcy, law, financial awareness, professional development and selected life-related subjects.
By accessing or using this website, you agree to the following Terms of Use.
1. Purpose of the Website
The primary purpose of Legal Wisdom Hub is to share general educational and informational content in a simple and practical manner.
The articles are intended for readers including bankers, legal and financial professionals, insolvency professionals, business owners, borrowers, students and members of the general public.
2. Informational and Educational Content
The information published on this website is provided for general informational and educational purposes only.
The content should not be regarded as a substitute for professional advice based on the specific facts and circumstances of an individual matter.
Laws, regulations, judicial decisions, banking practices and regulatory requirements may change from time to time. Readers should verify the current position from authoritative sources before relying upon information published on this website.
3. No Professional Advice
Nothing published on Legal Wisdom Hub should be treated as:
- legal advice;
- financial or investment advice;
- banking or credit advice;
- insolvency or restructuring advice;
- tax or accounting advice; or
- any other professional advice specific to a particular situation.
Where professional advice is required, readers should consult an appropriately qualified professional.
Reading an article, visiting the website or communicating with Legal Wisdom Hub does not by itself create an advocate-client or other professional relationship.
4. Accuracy and Updates
Reasonable care is taken in preparing and publishing the content of this website. However, no representation is made that every article is complete, error-free or current at all times.
Articles may be updated, amended or supplemented when there are changes in law, regulations, judicial decisions or relevant professional practices.
Readers should consider the publication or update date of an article and independently verify important information where necessary.
5. Intellectual Property and Copyright
Unless otherwise stated, the original articles, written material, graphics, design elements and other original content published on Legal Wisdom Hub belong to the respective copyright owner.
The content may be read and used for personal, educational and professional reference.
Reproduction, republication or substantial copying of the content for commercial or other purposes without appropriate permission is not permitted, except where permitted under applicable law.
Brief quotations for legitimate purposes such as review, discussion or education should include appropriate attribution and reference to the original article.
6. External Links
Legal Wisdom Hub may contain links to government websites, courts, regulators, professional organisations, publications and other third-party websites.
Such links are provided for the convenience and further reference of readers. Legal Wisdom Hub does not control or assume responsibility for the content, availability or privacy practices of external websites.
Readers should review the policies of third-party websites before using them.
7. Website Content and Changes
Legal Wisdom Hub may add, modify, update or remove articles, pages, links or other website content from time to time without prior notice.
The website may also be temporarily unavailable because of maintenance, technical issues or circumstances beyond the control of the website owner.
8. Limitation of Responsibility
To the extent permitted by applicable law, Legal Wisdom Hub and the author shall not be responsible for any loss or consequence arising from reliance solely upon general information published on the website.
Each reader is responsible for determining whether particular information is suitable for their circumstances and for obtaining independent professional advice where necessary.
9. Privacy and Cookies
The collection and use of information through Legal Wisdom Hub is governed by the website’s Privacy Policy.
The website may use cookies and third-party services, including advertising and analytics services, in accordance with the applicable Privacy Policy and relevant policies of those service providers.
10. Changes to These Terms
These Terms of Use may be revised from time to time to reflect changes in the website, applicable law or regulatory requirements.
The latest version will be published on this page along with the revised Last Updated date.
11. Governing Law
These Terms of Use shall be governed by and interpreted in accordance with the laws of India. Any dispute relating to the use of this website shall be subject to the jurisdiction of the competent courts in accordance with applicable law.
12. Contact
For suggestions, corrections, feedback or communication relating to the content of Legal Wisdom Hub:
Ashok Kakkar
Advocate | IBBI-Registered Insolvency Professional | Former Banker
Chandigarh, India
Email: akkakkar.58@gmail.com
Dated 24.09.2026
© 2026 Legal Wisdom Hub. All Rights Reserved.