1. Acceptance of Terms
By accessing, browsing, registering on, or purchasing any product or service from this website (the "Platform"), you ("User", "you") confirm that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree, you must immediately stop using the Platform.
You represent that you are at least 18 years of age and have the legal capacity to enter into a binding contract under the Indian Contract Act, 1872. If you are accessing on behalf of a company or entity, you represent that you have the authority to bind that entity.
These Terms are an electronic record under the Information Technology Act, 2000 and the rules made thereunder, and constitute a legally binding agreement between you and Shrimoney ("we", "us", "our").
2. Nature of Service — Critical Disclaimer
The Platform provides educational content, market research, general commentary, and informational materials relating to securities markets. We do not provide personalised investment advice.
We are not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser or Research Analyst. We do not hold ourselves out as a SEBI-registered entity.
Nothing on this Platform constitutes:
- A recommendation to buy, sell, or hold any specific security;
- Personalised investment advice based on your financial situation, risk profile, or investment objectives;
- A solicitation or offer to purchase or sell securities;
- Portfolio management services.
All content is general in nature and intended solely for educational and informational purposes. You must not rely on any content on this Platform as the sole or primary basis for any investment decision. You are strongly advised to consult a SEBI-registered investment adviser before making any investment decision.
3. No Guarantee of Returns — Risk Disclosure
Investments in securities markets are subject to market risks. Read all related documents carefully before investing.
We do not guarantee, assure, or promise any returns, profits, accuracy, or risk-free outcomes. Past performance of any security, strategy, or recommendation is not indicative of future results. Any reference to past performance in our content is for illustrative purposes only and must not be construed as a promise or representation of future outcomes.
You expressly acknowledge that:
- You may lose part or all of your invested capital;
- Market conditions are unpredictable and can change rapidly;
- No analytical method, algorithm, or research technique can guarantee accurate predictions.
We do not provide any assurance of minimum returns, target returns, or percentage accuracy. Any statement that suggests otherwise is expressly disclaimed.
4. No Fiduciary or Advisory Relationship
Your use of this Platform, including any interaction with us via email, chat, phone, or social media, does not create an investment adviser-client relationship, fiduciary relationship, or any special relationship of trust between you and us. We owe no duty of care, suitability assessment, or best-interest obligation to you in respect of any content or information provided on this Platform.
5. User's Sole Responsibility
You acknowledge and agree that:
- All investment and trading decisions are made by you solely on your own judgment and at your own risk;
- You are solely responsible for conducting your own due diligence and verifying any information before acting on it;
- You will independently assess the suitability of any investment based on your own financial situation, risk tolerance, and investment objectives;
- You will not hold us responsible for any loss, damage, or adverse consequence arising from any decision you make based on content available on this Platform.
6. Limitation of Liability
To the maximum extent permitted by applicable law, Shrimoney, its directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of capital, loss of data, or trading losses, arising out of or in connection with:
- Your use of or inability to use the Platform;
- Any content, information, or material available on the Platform;
- Any reliance placed by you on such content;
- Any error, omission, interruption, or delay in the operation of the Platform;
- Any unauthorised access to or alteration of your transmissions or data.
This limitation applies regardless of whether the claim is based on contract, tort, negligence, strict liability, or any other legal theory, and even if we have been advised of the possibility of such damages. Under the Indian Contract Act, 1872, parties are free to limit their liability by contract, subject to the limitation not defeating any provision of law or being opposed to public policy. This clause is intended to operate within those bounds.
7. No Execution of Trades
We do not execute trades on behalf of any user. We do not accept, hold, or manage funds or securities belonging to users. We do not have access to your trading account, demat account, or bank account. Any payment made to us is solely for access to educational content or research materials, and does not constitute a deposit, investment, or advisory fee.
8. Payment, Fees, and Refunds
Any fees charged by us are solely for access to educational content, research materials, or informational resources. Such fees are not advisory fees and do not create any advisory relationship.
All payments are subject to the refund policy separately published on this Platform. Except as expressly stated in the refund policy, all fees paid are non-refundable. We reserve the right to modify our fee structure at any time, with prospective effect.
9. Prohibited Conduct
You agree not to:
- Use the Platform for any unlawful purpose;
- Attempt to gain unauthorised access to any part of the Platform;
- Request, solicit, or demand personalised investment advice from us;
- Share your account credentials with any third party;
- Reproduce, distribute, or commercially exploit any content from the Platform without our prior written consent;
- Use the Platform in any manner that could damage, disable, or impair its functioning.
10. Intellectual Property
All content on this Platform, including but not limited to text, data, charts, analysis, graphics, logos, and software, is our exclusive property or is licensed to us. You may use the content solely for your personal, non-commercial purposes. Any reproduction, distribution, modification, or public display of the content without our prior written consent is strictly prohibited.
11. Disclaimer Regarding Third-Party Content
The Platform may contain links to third-party websites, resources, or advertisements. We do not control, endorse, or assume responsibility for the content, accuracy, or practices of any third-party website. Your access to such third-party content is at your own risk.
12. Privacy and Data Protection
Your use of the Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to the collection, use, and disclosure of your information as described in the Privacy Policy, in accordance with applicable Indian data protection laws.
13. Modification of Terms
We reserve the right to modify, amend, or replace these Terms at any time. The revised Terms will be effective immediately upon posting on the Platform. Your continued use of the Platform after such posting constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.
14. Termination
We reserve the right to suspend or terminate your access to the Platform at any time, without notice, for any reason, including but not limited to violation of these Terms. Upon termination, your right to use the Platform ceases immediately.
15. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at Mumbai, India. We reserve the right to seek injunctive or other equitable relief in any court of competent jurisdiction.
16. Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed, and the remaining provisions shall continue in full force and effect.
17. Contact Information
For any questions or regulatory communications regarding these Terms, please contact us:
Formal Acceptance Confirmation
As required by the Terms and Conditions guidelines, please confirm your active acknowledgment and consent before proceeding.
Related Governing Documents: