⚠️ Important Notice: This platform provides educational content only and is not registered as an investment advisor with SEBI. We do not provide personalized investment advice. All content is for educational purposes only.
1. Acceptance of Terms
Welcome to StockInsight AI Educational Services ("we," "us," or "our"). By accessing our website, joining our WhatsApp educational community, or using any of our services, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.
2. Eligibility and Age Requirements
Age Requirement: You must be at least 18 years old to use our services and join our educational community as per Indian regulations and financial service guidelines.
- Users must provide accurate age information
- Parental supervision is required for users under 18 (not permitted to join)
- We reserve the right to verify age and remove underage users
- By using our services, you confirm you meet the age requirement
3. Nature of Our Educational Services
3.1 Educational Content Only
- Learning Resources: We provide educational content about stock market analysis and investment concepts
- Market Insights: Educational discussions about market trends, sectors, and analysis techniques
- Community Learning: Peer-to-peer educational discussions in our WhatsApp group
- AI Analysis Tools: Educational AI-powered market analysis for learning purposes
3.2 What We Do NOT Provide
- ❌ Personalized Investment Advice: We do not provide individualized investment recommendations
- ❌ Buy/Sell Recommendations: No specific stock purchase or sale advice
- ❌ Portfolio Management: We do not manage investments or portfolios
- ❌ Financial Planning: No personal financial planning services
- ❌ Guaranteed Returns: No promises or guarantees of investment success
4. SEBI Compliance and Regulatory Disclaimers
4.1 SEBI Registration Status
StockInsight AI Educational Services is NOT registered with the Securities and Exchange Board of India (SEBI) as:
- Investment Advisor
- Research Analyst
- Portfolio Manager
- Any other regulated financial service provider
4.2 Regulatory Compliance
For personalized investment advice, you must consult with:
- SEBI-registered Investment Advisors
- SEBI-registered Research Analysts
- Licensed financial professionals
- Certified financial planners with appropriate credentials
5. WhatsApp Community Guidelines
5.1 Community Purpose
Our WhatsApp group is designed for educational purposes and peer learning about:
- Stock market education and learning concepts
- Market analysis techniques and methodologies
- Investment education and financial literacy
- Sharing educational resources and articles
5.2 Community Rules
Permitted Activities:
- Asking educational questions about market analysis
- Sharing educational resources and articles
- Discussing investment concepts and learning materials
- Respectful peer-to-peer learning discussions
Prohibited Activities:
- Requesting or providing specific buy/sell recommendations
- Sharing insider information or market manipulation
- Promoting other financial services or products
- Spam, harassment, or inappropriate content
- Sharing personal financial information
- Any illegal or unethical activities
5.3 Moderation and Enforcement
- Community administrators will monitor discussions
- Users violating guidelines may be warned or removed
- Repeated violations result in permanent removal
- We reserve the right to remove any content or user at our discretion
6. User Responsibilities and Conduct
6.1 User Obligations
As a user of our educational services, you agree to:
- Provide accurate information about your age and eligibility
- Use services only for educational and learning purposes
- Respect other community members and maintain decorum
- Comply with all applicable laws and regulations
- Not rely solely on our content for investment decisions
- Consult qualified professionals for investment advice
6.2 Prohibited Conduct
You agree NOT to:
- Use our services for any illegal or unauthorized purposes
- Violate any local, state, national, or international laws
- Transmit or distribute harmful, offensive, or inappropriate content
- Attempt to gain unauthorized access to our systems
- Interfere with the operation of our services
- Misrepresent your identity or affiliation
7. Intellectual Property Rights
7.1 Our Content
All content provided by StockInsight AI Educational Services, including:
- Educational materials and resources
- AI analysis tools and methodologies
- Website design and layout
- Logos, trademarks, and branding
Is protected by intellectual property laws and remains our exclusive property.
7.2 User License
We grant you a limited, non-exclusive, non-transferable license to:
- Access and use our educational content for personal learning
- Participate in our WhatsApp educational community
- Share educational insights within the community guidelines
8. Risk Disclosures and Disclaimers
8.1 Investment Risk Warning
⚠️ IMPORTANT RISK DISCLOSURE:
- Market Risk: Stock market investments are subject to market risks and can result in significant financial loss
- No Guarantees: Past performance does not guarantee future returns
- Individual Responsibility: All investment decisions are your sole responsibility
- Professional Advice: Always consult SEBI-registered professionals before investing
- Loss of Capital: You may lose some or all of your invested capital
8.2 Service Disclaimers
Our educational services are provided "as is" without warranties of any kind:
- We do not guarantee the accuracy of educational content
- Market conditions change rapidly and content may become outdated
- Educational content is not a substitute for professional advice
- We are not responsible for your investment decisions or outcomes
9. Limitation of Liability
To the fullest extent permitted by law:
- We shall not be liable for any investment losses or financial damages
- Our liability is limited to the amount you paid for our services (which is currently free)
- We are not responsible for third-party services (including WhatsApp)
- Users participate in our community at their own risk
10. Privacy and Data Protection
Your privacy is important to us. Please review our comprehensive Privacy Policy which covers:
- Data collection from WhatsApp group participation
- Google Analytics and website cookies
- Your rights under Indian DPDP Act, GDPR, and CCPA
- Data security and retention policies
11. Third-Party Services
11.1 WhatsApp Integration
Our educational community uses WhatsApp, which is governed by:
11.2 Google Analytics
We use Google Analytics for website improvement, subject to Google's Terms of Service.
12. Termination
12.1 Your Right to Terminate
You may stop using our services at any time by:
- Leaving our WhatsApp educational community
- Discontinuing website usage
- Requesting account deletion (if applicable)
12.2 Our Right to Terminate
We may suspend or terminate your access if you:
- Violate these Terms of Service
- Engage in prohibited conduct
- Misuse our educational services
- Provide false information about your eligibility
13. Changes to Terms
We may update these Terms to reflect:
- Changes in applicable laws or regulations
- Improvements to our educational services
- Enhanced user protection measures
Significant changes will be communicated through our website or WhatsApp community. Continued use constitutes acceptance of updated Terms.
14. Governing Law and Jurisdiction
These Terms are governed by:
- Indian Law: Including relevant SEBI regulations and guidelines
- Jurisdiction: Courts of Mumbai, Maharashtra, India
- Dispute Resolution: Good faith negotiation preferred before legal action
16. Final Acknowledgment
By using our educational services, you acknowledge that:
- You have read and understood these Terms of Service
- You are 18 years or older and eligible to use our services
- You understand we provide educational content only, not investment advice
- You will consult SEBI-registered professionals for investment decisions
- You accept all risks associated with stock market investments
- You agree to use our services responsibly and ethically