These Terms of Service ("Terms") govern your use of StockSaathi's website and services. By accessing or using our service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our service.
All content is for educational purposes only and does not constitute financial advice or personalized investment recommendations.
3. Eligibility
You must be:
At least 18 years of age
Legally capable of entering into binding contracts
Not prohibited from using our service under applicable law
Providing accurate and truthful information
4. Account Registration
To use certain features, you must create an account. You agree to:
Provide accurate, current, and complete information
Maintain the security of your password
Notify us immediately of any unauthorized access
Accept responsibility for all activities under your account
Not share your account with others
5. Subscription and Payment
5.1 Subscription Plans
StockSaathi offers monthly subscription plans at ₹169/month. Pricing may change with 30 days notice.
5.2 Payment Method
Payment is processed via UPI to our designated UPI ID. You must provide a valid transaction ID for payment verification.
5.3 Billing Cycle
Subscriptions are billed monthly from the date of activation. You are responsible for ensuring timely renewal payments.
5.4 Payment Verification
Your subscription will be activated only after we verify your payment. This typically takes up to 24 hours. Providing false transaction information may result in account termination.
5.5 Failed Payments
If a payment fails or is rejected, your access to premium features will be suspended until payment is received.
6. NO REFUND POLICY
ALL SALES ARE FINAL. NO REFUNDS WILL BE PROVIDED UNDER ANY CIRCUMSTANCES.
6.1 No Refunds for Any Reason
Once you pay for a subscription, the payment is non-refundable. We do not provide refunds, credits, or prorated billing for any reason, including but not limited to:
Change of mind or decision not to use the service
Dissatisfaction with recommendations or content
Market performance or stock losses
Technical issues or service interruptions
Lack of expected results or profits
Unused portion of subscription period
Account suspension or termination for Terms violation
Failure to understand the service before purchasing
Financial difficulties or inability to continue
6.2 Educational Service Understanding
By subscribing, you acknowledge that:
This is an educational service, not guaranteed investment advice
You have read and understood what the service provides
Stock market investments carry inherent risks
Past performance does not guarantee future results
You are solely responsible for your investment decisions
6.3 Cancellation
You may cancel your subscription at any time to prevent future charges, but:
No refund will be provided for the current billing period
You will retain access until the end of the paid period
No partial refunds for unused days
6.4 Chargebacks
If you initiate a chargeback or payment dispute:
Your account will be immediately suspended
We may pursue legal action for fraudulent chargebacks
You may be banned from future use of our service
This does not override the no-refund policy
6.5 Exceptions
The only exception to this no-refund policy is if we fail to provide the service due to technical issues on our end for more than 15 consecutive days, and you can provide documentation of attempts to access the service. Even in this case, refunds are at our sole discretion.
7. Content and Usage Rights
7.1 Our Intellectual Property
All content, features, and functionality (including but not limited to text, graphics, logos, recommendations, analysis) are owned by StockSaathi and protected by copyright and trademark laws.
7.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our service for personal, non-commercial use.
7.3 Restrictions
You may NOT:
Copy, reproduce, or distribute our content without permission
Modify or create derivative works
Use automated systems (bots, scrapers) to access our service
Share your account credentials with others
Reverse engineer or attempt to extract source code
Resell or commercialize our recommendations
Remove copyright or proprietary notices
8. User Conduct
You agree NOT to:
Violate any applicable laws or regulations
Infringe on intellectual property rights
Upload viruses or malicious code
Attempt to gain unauthorized access
Impersonate others or misrepresent your identity
Harass, abuse, or harm others
Spam or send unsolicited communications
Use the service for illegal activities
9. Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
Merchantability, fitness for a particular purpose
Accuracy, reliability, or completeness of content
Uninterrupted or error-free service
Results or outcomes from using recommendations
Third-party content or links
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, STOCKSAATHI SHALL NOT BE LIABLE FOR:
Any indirect, incidental, special, or consequential damages
Loss of profits, revenue, data, or business opportunities
Investment losses or financial damages
Errors in content or recommendations
Service interruptions or technical issues
Third-party actions or content
Our total liability shall not exceed the amount you paid in the last 12 months, or ₹169, whichever is less.
11. Indemnification
You agree to indemnify and hold harmless StockSaathi, its owners, employees, and agents from any claims, damages, losses, or expenses arising from:
Your use of the service
Your violation of these Terms
Your violation of any rights of others
Your investment decisions and actions
12. Termination
12.1 By You
You may terminate your account at any time by contacting us. Remember: No refunds for unused time.
12.2 By Us
We may suspend or terminate your account immediately if you:
Violate these Terms
Provide false information
Engage in fraudulent activity
Abuse the service or other users
Fail to pay subscription fees
12.3 Effect of Termination
Upon termination:
Your access to the service will cease immediately
No refunds will be provided
Your data may be deleted per our retention policy
Provisions surviving termination remain in effect
13. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. We will notify you of material changes via email or service notification. Continued use after changes constitutes acceptance.
14. Governing Law and Dispute Resolution
These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in [Your City/State].
Before filing any lawsuit, you agree to first attempt to resolve disputes through good faith negotiation.
15. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
16. Entire Agreement
These Terms, along with our Privacy Policy and Disclaimer, constitute the entire agreement between you and StockSaathi regarding use of the service.
17. Contact Information
Questions about these Terms? Contact us:
Website: stocksaathi.app
Email: Contact form on website
Response Time: Within 72 hours
⚠️ By Using StockSaathi, You Agree To:
✅ All terms and conditions stated above
✅ The NO REFUND policy
✅ That the service is for educational purposes only
✅ You are responsible for your investment decisions
✅ We are not liable for any losses
Effective Date: January 1, 2026 Version: 1.0 Last Revised: January 2026