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Our Team

Kokila Alagh

Founder

kokila@karmadv.com

Kokila Alagh

Founder

Kokila is the Founder of KARM Legal Consultants and has 15 years of experience as a Corporate/Commercial and technology lawyer in UAE. She has a significant experience in investments, incorporations, joint ventures, project finance & private equity transactions. She has actively advised on acquisition finance, project finance transaction, corporate restructuring, real estate finance and asset finance transactions.  At KARM, she has provided legal advice to clients providing highly specialized technology offering including MedTech and InsureTech focused entities.

Luna de Lange

Partner

luna@karmadv.com

Luna de Lange

Partner

Luna is a Partner and Data Protection Officer at KARM Legal Consultants, practicing in the specialised fields of Cyber, Information Security and Threat Intelligence; Policy, Regulation & Governance; Data Protection & Privacy laws of several global jurisdictions; Fintech, Insuretech & Business Development.

Luna previously practiced in South Africa as a Senior Attorney and Co-Director of a law firm. She is a member of the Legal Practice Council of South Africa and retains her Right of Appearance before the Superior Courts of South Africa.

Luna has in depth knowledge in matters relating to Cyber, Information Security and Threat Intelligence; Data Protection and Privacy - actively practising in these fields. As part of Luna’s efforts as a thought leader in advocating and stimulating awareness, boosting education and facilitating the necessary interaction and communications of industry leaders and players in these fields, she is a participant co-host of a Threat Day Workshop - the first of its kind in the MENA region and Luna’s aim is to assist in hosting an event such as this each year, in various global localities.

Luna further practices as a trainer in an array of courses and workshops, together with esteemed colleagues of the KARM Legal Consultants Practice and necessary technical experts - each such course appropriately designed and tailored for various audiences.  Karm Legal Consultants’ Training Profile is available upon request.

Akshata Namjoshi

Lead: Fintech, Blockchain, Emerging Tech

akshata@karmadv.com

Akshata Namjoshi

Lead: Fintech, Blockchain, Emerging Tech

Akshata is a Fintech Lead at KARM Legal, and has experience in the UAE and India. Prior to joining KARM Legal, She was working with the leading law firms in India and UAE. She has advised high net individuals and corporates on Banking, Mergers and Acquisitions, Corporate Debt Restructuring, and Corporate Governance related issues. 

At KARM, she leads the FinTech, Blockchain, Artificial Intelligence and Emerging Tech practice at KARM. She has advised multiple clients on Security Token Offerings and Initial Coin Offerings; fundraising through seed and crowdfunding; setting up of crypto-currency exchanges and, deployment of public and enterprise blockchains. Additionally, she has also advised clients on policies and compliances for use of artificial intelligence in the financial sector. 


Barkha Doshi

Senior Associate

barkha@karmadv.com

Barkha Doshi

Senior Associate

Barkha is a Senior Associate at KARM Legal and the most recent addition to the KARM team, having previously practiced in India as a corporate and capital markets lawyer for over 5 years. Barkha has experience in equity and debt capital markets, IPO and general corporate/commercial matters. She has advised multiple clients on various capital raising methods via initial public offerings (IPOs), rights issue, real estate investment trusts (REITs) and qualified institutions placement (QIP) by the companies in sectors such as re-insurance, diagnostic and healthcare, real estate, media and education. 

She has led these transactions and assisted in drafting and reviewing of prospectus and other offer related documents and conducts legal due diligence on the issuer including due diligence on loan portfolios, regulatory approvals, share capital history, board of directors, corporate governance compliance etc. and drafts and finalizes various documents and necessary consents and approvals relating to the Issue. Further, she is also involved in corporate restructuring and she participates in negotiating, shareholders agreements, share purchase agreements, and subscription agreements, as well as various other commercial agreements. 

At KARM, she is also closely working in the firm’s fintech, crowdfunding and token offerings practice. She has assisted clients in the process of obtaining a crowdfunding license from the concerned regulatory authorities and drafted the regulatory business plan along with the related policies. She is also engaged with the firm’s funds practice where she advises on all aspects of incorporation of funds in DIFC and ADGM and their management, operation and related carry arrangements.

Ratul Roshan

Associate

ratul@karmadv.com

Ratul Roshan

Associate

Ratul is an Associate at KARM Legal and worked in the technology regulatory and policy space in India earlier. He has advised global cloud service providers, online content platforms, fintechs, ecommerce platforms, gaming platforms, aerospace startups, and search engine platforms on government relations and policy advocacy. His advisory experience includes personal and non-personal data protection, privacy, content regulation, artificial intelligence, intermediary liability, and cloud infrastructure ownership, amongst others. He was also an active contributor to whitepapers, position papers and guidance documents released by global multilateral organisations on blockchain, smart contracts and the like. At KARM, he works across verticals and assists in matters relating to Data Protection, Gaming, AI Blockchain, Financial Technologies, AML/KYC, amongst other emerging technologies. He has advised clients on token offerings, fundraising, setting up of cryptocurrency exchanges, deployment of public and enterprise blockchains, and on digital wallets and payments solutions.

Education

LL.B., Faculty of Law, University of Delhi

B.A. (Hons), Sociology, Hindu College, University of Delhi


Select representation

-Speaker for RFMLR TechTalk: A Webinar Series on Digital Commerce and Fintech Law on ‘Smart Contracts’.

-Panelist for Indian Conference on Artificial Intelligence and Law, 2020 by Indian Society of Artificial Intelligence and Law on Algorithmic Trading & monetization and Policy Constraints.

-Trainer for the Personal Data Protection module of LawSikho’s Diploma in Cyber Law, FinTech Regulations and Technology Contracts.

Memberships

Bar Council of India, 2018

Manav Joshi

Associate

manav@karmadv.com

Manav Joshi

Associate

Manav is an Associate at KARM Legal, having previous experience at leading law firms in the UAE. At KARM, he has experience in assisting KARM’s clients in the specialised fields of Fintech, Insuretech, Medtech and Data Protection. As a member of the KARM research team, he is responsible for researching the nuanced changes in regulations and assisting with the adaptation of legal opinions to reflect regulatory compliance. 

He has assisted members of the KARM team in the drafting and reviewing of a multitude of contracts and other legal documents, including software licensing and sub-licensing agreements, escrow agreements, shareholders’ agreements, employment contracts, staff handbooks etc.  He was a contributor to the Arab Monetary Fund mandated policy guidelines on Digital ID and e-KYC within the Fintech realm and is currently working on policy guidelines for New Age Alternative Finance Solutions.

Aileen Navarez Amaranto

Business Setup Advisor

aileen@karmadv.com

Aileen Navarez Amaranto

Business Setup Advisor

Aileen is a Business Set-up Advisor at KARM Legal, having over 12 years of professional experience in company incorporation and has worked with leading law  firms in Dubai. She has set up over a score of companies in different jurisdictions. 

Her research skills are incomparable, thus ensuring that all legal documents and administrative needs are of the highest quality. She handles advisory works for  setting up of different entities in different jurisdictions. She assists clients in registering trademarks in different jurisdictions, and handles business set-up for the  clients including notarisations, legalisations and attestations of documents in different Consulates and coordinates with different Government Departments and  Ministries for issuance of approvals for company establishment in the Emirates.

Mary Christine Montalban

Office Administrator

admin@karmadv.com

Mary Christine Montalban

Office Administrator

Christine is the Administration and Operations In-Charge at KARM, having 10 years of professional experience in administrative operations both in  the Philippines and Dubai. At KARM, she oversees the smooth and efficient operation of all aspects of the organisation. 

Kokila Alagh

Founder

kokila@karmadv.com

Kokila Alagh

Founder

Kokila is the Founder of KARM Legal Consultants and has 15 years of experience as a Corporate/Commercial and technology lawyer in UAE. She has a significant experience in investments, incorporations, joint ventures, project finance & private equity transactions. She has actively advised on acquisition finance, project finance transaction, corporate restructuring, real estate finance and asset finance transactions.  At KARM, she has provided legal advice to clients providing highly specialized technology offering including MedTech and InsureTech focused entities.

Luna de Lange

Partner

luna@karmadv.com

Luna de Lange

Partner

Luna is a Partner and Data Protection Officer at KARM Legal Consultants, practicing in the specialised fields of Cyber, Information Security and Threat Intelligence; Policy, Regulation & Governance; Data Protection & Privacy laws of several global jurisdictions; Fintech, Insuretech & Business Development.

Luna previously practiced in South Africa as a Senior Attorney and Co-Director of a law firm. She is a member of the Legal Practice Council of South Africa and retains her Right of Appearance before the Superior Courts of South Africa.

Luna has in depth knowledge in matters relating to Cyber, Information Security and Threat Intelligence; Data Protection and Privacy - actively practising in these fields. As part of Luna’s efforts as a thought leader in advocating and stimulating awareness, boosting education and facilitating the necessary interaction and communications of industry leaders and players in these fields, she is a participant co-host of a Threat Day Workshop - the first of its kind in the MENA region and Luna’s aim is to assist in hosting an event such as this each year, in various global localities.

Luna further practices as a trainer in an array of courses and workshops, together with esteemed colleagues of the KARM Legal Consultants Practice and necessary technical experts - each such course appropriately designed and tailored for various audiences.  Karm Legal Consultants’ Training Profile is available upon request.

Akshata Namjoshi

Lead: Fintech, Blockchain, Emerging Tech

akshata@karmadv.com

Akshata Namjoshi

Lead: Fintech, Blockchain, Emerging Tech

Akshata is a Fintech Lead at KARM Legal, and has experience in the UAE and India. Prior to joining KARM Legal, She was working with the leading law firms in India and UAE. She has advised high net individuals and corporates on Banking, Mergers and Acquisitions, Corporate Debt Restructuring, and Corporate Governance related issues. 

At KARM, she leads the FinTech, Blockchain, Artificial Intelligence and Emerging Tech practice at KARM. She has advised multiple clients on Security Token Offerings and Initial Coin Offerings; fundraising through seed and crowdfunding; setting up of crypto-currency exchanges and, deployment of public and enterprise blockchains. Additionally, she has also advised clients on policies and compliances for use of artificial intelligence in the financial sector. 


Barkha Doshi

Senior Associate

barkha@karmadv.com

Barkha Doshi

Senior Associate

Barkha is a Senior Associate at KARM Legal and the most recent addition to the KARM team, having previously practiced in India as a corporate and capital markets lawyer for over 5 years. Barkha has experience in equity and debt capital markets, IPO and general corporate/commercial matters. She has advised multiple clients on various capital raising methods via initial public offerings (IPOs), rights issue, real estate investment trusts (REITs) and qualified institutions placement (QIP) by the companies in sectors such as re-insurance, diagnostic and healthcare, real estate, media and education. 

She has led these transactions and assisted in drafting and reviewing of prospectus and other offer related documents and conducts legal due diligence on the issuer including due diligence on loan portfolios, regulatory approvals, share capital history, board of directors, corporate governance compliance etc. and drafts and finalizes various documents and necessary consents and approvals relating to the Issue. Further, she is also involved in corporate restructuring and she participates in negotiating, shareholders agreements, share purchase agreements, and subscription agreements, as well as various other commercial agreements. 

At KARM, she is also closely working in the firm’s fintech, crowdfunding and token offerings practice. She has assisted clients in the process of obtaining a crowdfunding license from the concerned regulatory authorities and drafted the regulatory business plan along with the related policies. She is also engaged with the firm’s funds practice where she advises on all aspects of incorporation of funds in DIFC and ADGM and their management, operation and related carry arrangements.

Ratul Roshan

Associate

ratul@karmadv.com

Ratul Roshan

Associate

Ratul is an Associate at KARM Legal and worked in the technology regulatory and policy space in India earlier. He has advised global cloud service providers, online content platforms, fintechs, ecommerce platforms, gaming platforms, aerospace startups, and search engine platforms on government relations and policy advocacy. His advisory experience includes personal and non-personal data protection, privacy, content regulation, artificial intelligence, intermediary liability, and cloud infrastructure ownership, amongst others. He was also an active contributor to whitepapers, position papers and guidance documents released by global multilateral organisations on blockchain, smart contracts and the like. At KARM, he works across verticals and assists in matters relating to Data Protection, Gaming, AI Blockchain, Financial Technologies, AML/KYC, amongst other emerging technologies. He has advised clients on token offerings, fundraising, setting up of cryptocurrency exchanges, deployment of public and enterprise blockchains, and on digital wallets and payments solutions.

Education

LL.B., Faculty of Law, University of Delhi

B.A. (Hons), Sociology, Hindu College, University of Delhi


Select representation

-Speaker for RFMLR TechTalk: A Webinar Series on Digital Commerce and Fintech Law on ‘Smart Contracts’.

-Panelist for Indian Conference on Artificial Intelligence and Law, 2020 by Indian Society of Artificial Intelligence and Law on Algorithmic Trading & monetization and Policy Constraints.

-Trainer for the Personal Data Protection module of LawSikho’s Diploma in Cyber Law, FinTech Regulations and Technology Contracts.

Memberships

Bar Council of India, 2018

Manav Joshi

Associate

manav@karmadv.com

Manav Joshi

Associate

Manav is an Associate at KARM Legal, having previous experience at leading law firms in the UAE. At KARM, he has experience in assisting KARM’s clients in the specialised fields of Fintech, Insuretech, Medtech and Data Protection. As a member of the KARM research team, he is responsible for researching the nuanced changes in regulations and assisting with the adaptation of legal opinions to reflect regulatory compliance. 

He has assisted members of the KARM team in the drafting and reviewing of a multitude of contracts and other legal documents, including software licensing and sub-licensing agreements, escrow agreements, shareholders’ agreements, employment contracts, staff handbooks etc.  He was a contributor to the Arab Monetary Fund mandated policy guidelines on Digital ID and e-KYC within the Fintech realm and is currently working on policy guidelines for New Age Alternative Finance Solutions.

Aileen Navarez Amaranto

Business Setup Advisor

aileen@karmadv.com

Aileen Navarez Amaranto

Business Setup Advisor

Aileen is a Business Set-up Advisor at KARM Legal, having over 12 years of professional experience in company incorporation and has worked with leading law  firms in Dubai. She has set up over a score of companies in different jurisdictions. 

Her research skills are incomparable, thus ensuring that all legal documents and administrative needs are of the highest quality. She handles advisory works for  setting up of different entities in different jurisdictions. She assists clients in registering trademarks in different jurisdictions, and handles business set-up for the  clients including notarisations, legalisations and attestations of documents in different Consulates and coordinates with different Government Departments and  Ministries for issuance of approvals for company establishment in the Emirates.

Mary Christine Montalban

Office Administrator

admin@karmadv.com

Mary Christine Montalban

Office Administrator

Christine is the Administration and Operations In-Charge at KARM, having 10 years of professional experience in administrative operations both in  the Philippines and Dubai. At KARM, she oversees the smooth and efficient operation of all aspects of the organisation. 

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