Terms & Conditions

1) Definitions & Eligibility

User means any person accessing AIO’s Services. You must be at least 18 years old and capable of entering into a binding contract under Indian law.

2) Nature of Services

3) No Offer, No Guarantee

Nothing on the website or in our content constitutes an offer, solicitation, or recommendation to buy/sell securities. Past performance does not guarantee future results.

4) Compliance

We align our operations with applicable Indian laws and SEBI/AML/KYC frameworks. Advisory/research, where offered, is conducted under applicable registration and disclosures.

5) User Responsibilities

• Provide accurate information (including KYC, where applicable).
• Maintain confidentiality of login credentials and notify us of unauthorized use.
• Use the Services lawfully; do not upload or share malicious, infringing, or fraudulent material.

6) Fees, Payments & Refunds

7) Intellectual Property

All content, branding, layouts, course material, research, and graphics are the exclusive property of AIO or its licensors. You receive a limited, non‑transferable license for personal, non‑commercial use. Unauthorized reproduction or distribution is prohibited.

8) Market Data & Third‑Party Links

Market data, charts, or third‑party links are provided on an “as‑is” basis for convenience. We do not control or endorse third‑party content and are not responsible for their accuracy or practices.

9) Educational Disclaimer (Academy)

10) Risk Disclosure

Investments in equities, derivatives, and mutual funds involve market risk, including possible loss of principal. You are solely responsible for your investment decisions and outcomes.

11) Privacy & Data Protection

We respect your privacy and handle data in line with applicable Indian laws. We collect only essential data, store it securely, and do not sell personal information. See our Privacy Policy (if provided) for details.

12) AML/KYC

13) Communications Consent

By providing contact details, you consent to receiving transactional, service, or compliance communications via email, SMS, WhatsApp, or phone. You may opt‑out of non‑essential marketing at any time.

14) Prohibited Conduct

• Copying, scraping, reverse‑engineering, or interfering with the Website.
• Using unauthorized bots/crawlers; uploading malware or harmful code.
• Impersonation, fraud, or any unlawful activity.

15) Suspension & Termination

We may suspend or terminate access for breach of Terms, legal or regulatory requirements, or security concerns. Obligations relating to IP, confidentiality, limitation of liability, and indemnity survive termination.

16) Limitation of Liability

To the maximum extent permitted by law, AIO and its officers, employees, and affiliates are not liable for indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill arising from use of the Services or reliance on content.

17) Indemnity

You agree to indemnify and hold harmless AIO, its officers, and employees from claims or liabilities arising from your breach of these Terms, misuse of the Services, or violation of law or third‑party rights.

18) Force Majeure

We are not responsible for delays or failures due to events beyond our reasonable control, including natural disasters, war, government action, or network outages.

19) Changes to Terms

We may update these Terms periodically. The posted “Last updated” date reflects the latest version. Continued use constitutes acceptance of changes.

20) Governing Law & Jurisdiction

These Terms are governed by the laws of India. You agree to the exclusive jurisdiction of competent courts in Maharashtra, India.

21) Severability & Waiver

If any provision is unenforceable, the remainder remains in effect. Our failure to enforce any right is not a waiver of it.

22) Entire Agreement

These Terms, together with service‑specific agreements or order forms and our Privacy Policy (if applicable), constitute the entire agreement between you and AIO.

23) Contact & Grievance Redressal