Terms of Service

1. Acceptance of Terms

Welcome to BharatFinX ("we," "our," "us," or "Company"). These Terms of Service ("Terms") govern your access to and use of our website, mobile applications, and related services (collectively, the "Service") operated by BharatFinX.

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Description of Service

BharatFinX is a financial education platform that provides:

• Educational courses on personal finance, investing, and wealth management
• Financial calculators and planning tools
• Investment guidance and educational content
• Community features and expert insights
• Personalized learning recommendations

Important: We provide educational content only. We are not a financial advisor, broker, or investment manager. We do not provide personalized financial advice or manage investments.

3. User Accounts

3.1 Account Creation

• You must be at least 18 years old to create an account
• You must provide accurate and complete information
• You are responsible for maintaining account security
• You must not share your account credentials
• One account per person is permitted

3.2 Account Responsibilities

• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access
• You are responsible for all activities under your account
• Provide accurate personal and contact information
• Update your information when it changes

4. Acceptable Use Policy

4.1 Permitted Uses

You may use our Service for:

• Personal financial education and learning
• Accessing course materials and tools
• Participating in community discussions
• Sharing your learning progress
• Providing feedback and suggestions

4.2 Prohibited Uses

You may NOT use our Service to:

• Violate any applicable laws or regulations
• Provide financial advice to others without proper licensing
• Share or distribute copyrighted content without permission
• Engage in fraudulent or deceptive practices
• Upload malicious software or harmful content
• Attempt to gain unauthorized access to our systems
• Spam, harass, or abuse other users
• Use automated tools to scrape content
• Impersonate others or provide false information
• Commercial use without our written permission

5. Educational Content and Disclaimers

5.1 Educational Purpose Only

All content on our platform is for educational purposes only. This includes:

• Course materials and lessons
• Calculators and planning tools
• Articles and blog posts
• Videos and multimedia content
• Community discussions

5.2 Not Financial Advice

IMPORTANT DISCLAIMER: Nothing on our platform constitutes personalized financial, investment, legal, or tax advice. You should:

• Consult with qualified professionals before making financial decisions
• Do your own research and due diligence
• Consider your personal financial situation
• Understand the risks involved in any investment

6. Intellectual Property Rights

6.1 Our Content

All content on our platform, including but not limited to text, graphics, logos, images, videos, software, and course materials, is owned by BharatFinX or our content partners and is protected by intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and view content for personal educational use
• Download course materials for offline study
• Print materials for personal reference

6.3 Restrictions

You may NOT:

• Reproduce, distribute, or sell our content
• Create derivative works based on our content
• Remove copyright or trademark notices
• Use our content for commercial purposes
• Share course access with others

7. Payment Terms

7.1 Free and Paid Services

• Basic courses and tools are available for free
• Premium features require paid subscription
• Prices are displayed in Indian Rupees (INR)
• Payment is processed securely through third-party providers

7.2 Subscription Terms

• Subscriptions automatically renew unless cancelled
• You can cancel anytime through your account settings
• Refunds are provided according to our refund policy
• Price changes will be communicated in advance

8. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Service, you consent to the collection and use of your information as described in the Privacy Policy.

9. Disclaimer of Warranties

OUR SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. We disclaim all warranties, including but not limited to:

• Merchantability and fitness for a particular purpose
• Non-infringement of third-party rights
• Accuracy, completeness, or timeliness of content
• Uninterrupted or error-free service
• Security of data transmission

10. Limitation of Liability

IN NO EVENT SHALL BHARATFINX BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, including but not limited to:

• Financial losses from investment decisions
• Loss of profits or business opportunities
• Data loss or corruption
• Service interruptions
• Third-party actions

Our total liability to you for any claim shall not exceed the amount you paid us in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless BharatFinX, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including attorney fees) arising from:

• Your use of our Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or share

12. Termination

12.1 Termination by You

You may terminate your account at any time by contacting us or using account settings.

12.2 Termination by Us

We may terminate or suspend your account immediately, without prior notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Abuse of our Service or other users
• Non-payment of fees
• Any other reason at our discretion

12.3 Effect of Termination

Upon termination:

• Your right to use the Service ceases immediately
• We may delete your account and data
• Outstanding obligations survive termination
• You must stop using our intellectual property

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of India, without regard to conflict of law principles.

13.2 Dispute Resolution

Any disputes arising from these Terms or your use of our Service shall be resolved through:

1. Direct Discussion: Good faith negotiation between parties
2. Mediation: If negotiation fails, mediation in Mumbai, India
3. Arbitration: Binding arbitration under Indian Arbitration laws
4. Court Jurisdiction: Courts in Mumbai, India for any remaining disputes

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by:

• Posting updated Terms on our website
• Sending email notifications to registered users
• Displaying prominent notices on our platform

Continued use of our Service after changes become effective constitutes acceptance of the updated Terms.

15. Contact Information

If you have questions about these Terms, please contact us:

16. Miscellaneous

16.1 Entire Agreement

These Terms constitute the entire agreement between you and BharatFinX regarding the Service.

16.2 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect.

16.3 Waiver

Our failure to enforce any provision does not constitute a waiver of that provision.

16.4 Assignment

You may not assign these Terms without our consent. We may assign them without restriction.