Terms of Service

1. Introduction and Acceptance

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and ArthaSutra, a proprietary concern operated by Ajay Chaudhary ("we", "us", or "our"), governing your access to and use of the website arthasutra.site (the "Website") and all related services, content, products, and materials offered through the Website (collectively, the "Services").

By accessing, browsing, or using the Website or Services, or by clicking "I Accept" or purchasing any product or service, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, Refund Policy, and all other policies referenced herein. If you do not agree to these Terms in their entirety, you must immediately discontinue use of the Website and Services.

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Website with an updated effective date. Your continued use of the Services after any modifications indicates your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

2. Description of Services

2.1 Educational and Research Content

ArthaSutra provides comprehensive market research, educational content, and analysis designed to help individuals develop their understanding of financial markets. Our Services include, but are not limited to:

1. Free Educational Articles: Fundamental concepts, market analysis, and educational content accessible without payment
2. Research Plans: Subscription-based access to premium case studies, research reports, and in-depth market analysis
3. Case Studies: Detailed examinations of specific market events, corporate actions, and trading patterns
4. Research Reports: Comprehensive sector analyses, thematic studies, and market trend documentation
5. eBooks: Digital publications covering trading psychology, strategy development, and market dynamics
6. Research Mastery Cohort: Intensive mentorship program for developing professional research capabilities

2.2 Nature of Content

All content provided through ArthaSutra is for educational and informational purposes only. We do not provide:

• Personalized investment advice or recommendations
• Trading signals, tips, or specific buy/sell recommendations
• Guaranteed return strategies or profit promises
• Tax, legal, or financial planning advice

2.3 No Advisory Relationship

ArthaSutra is not registered with the Securities and Exchange Board of India (SEBI) as an investment advisor, research analyst, or portfolio manager. No content on this Website should be construed as personalized advice. We do not have a fiduciary relationship with users, and you should not rely on our content as the sole basis for any investment decision.

3. User Eligibility and Account Requirements

3.1 Age and Capacity

You must be at least 18 years of age and have the legal capacity to enter into contracts in your jurisdiction to use the Services. By using the Website, you represent and warrant that you meet these requirements. We do not knowingly collect information from or provide Services to individuals under 18 years of age.

3.2 Account Creation and Security

Certain Services require account creation through our authentication system. When creating an account, you agree to:

1. Provide accurate, current, and complete information
2. Maintain and promptly update your account information
3. Maintain the confidentiality of your login credentials
4. Accept responsibility for all activities under your account
5. Notify us immediately of any unauthorized use or security breach
6. Create only one account per person (multiple accounts are prohibited)

3.3 Geographic Restrictions

While our Services are accessible globally, they are designed primarily for users in India and comply with Indian laws. Users accessing the Services from other jurisdictions do so at their own risk and are responsible for compliance with local laws.

4. Subscription Plans and Pricing

4.1 Available Plans

4.2 Billing and Auto-Renewal

Monthly subscriptions automatically renew at the end of each billing cycle unless cancelled. You may cancel at any time, and cancellation will take effect at the end of the current billing period. Prices are subject to change with 30 days' notice to existing subscribers.

4.3 Taxes and Additional Charges

All prices are inclusive of applicable taxes unless otherwise stated. Users are responsible for any additional bank charges, payment processing fees, or currency conversion costs.

5. Payment Terms

5.2 Accepted Payment Methods

Until we establish alternative payment infrastructure, we accept payments via:

• UPI transfers
• Bank transfers (IMPS)
• Contact WhatsApp +91 6398443200 for payment instructions

5.3 Payment Authorization

By initiating payment through our WhatsApp process, you authorize the transaction and confirm you have the legal right to use the payment method.

6. Refund and Cancellation Policy

6.1 Subscription Refunds

Monthly subscriptions are generally non-refundable. However, if you contact us within 24 hours of purchase and have not accessed or downloaded any premium content, we may process a full refund at our discretion. Cancelled subscriptions remain active until the end of the current billing period.

6.2 Research Mastery Cohort Refunds

6.3 Digital Product Refunds

eBooks, individual case studies, and research reports are non-refundable once downloaded. If you experience a purchase error and have not downloaded the content, contact us within 24 hours for a full refund.

7. Intellectual Property Rights

7.1 Our Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, audio clips, video clips, digital downloads, data compilations, software, case studies, research reports, and the compilation thereof, is the exclusive property of ArthaSutra or its content suppliers and is protected by Indian and international copyright laws.

7.2 Limited License to Users

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the content for personal, non-commercial purposes. This license includes the right to download and store purchased content for personal use.

7.3 Restrictions on Use

You may not, without our express written permission:

1. Reproduce, distribute, or publicly display our content for commercial purposes
2. Modify or create derivative works based on our content
3. Use automated systems or software to extract data from the Website
4. Remove or alter any proprietary notices or labels
5. Use our trademarks, service marks, or trade names without authorization
6. Frame or mirror any part of the Website

7.4 User-Generated Content

If you submit content to us (including reviews, feedback, or suggestions), you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media.

8. Prohibited Uses and Conduct

8.1 Prohibited Activities

You agree not to use the Website or Services to:

1. Violate any applicable laws, regulations, or third-party rights
2. Transmit any harmful, offensive, or illegal content
3. Impersonate any person or entity or misrepresent your affiliation
4. Interfere with or disrupt the Website or servers
5. Attempt to gain unauthorized access to any portion of the Website
6. Use the Services for any illegal or unauthorized purpose
7. Engage in any form of automated data collection without permission
8. Redistribute premium content without authorization
9. Manipulate or interfere with reviews or ratings
10. Create multiple accounts or share account credentials

8.2 Enforcement

We reserve the right to investigate and take appropriate action against anyone who violates these Terms, including removing content, suspending or terminating accounts, and reporting violations to law enforcement authorities.

9. Third-Party Services and Links

9.1 Third-Party Integrations

Our Services integrate with various third-party services including:

• Supabase: For authentication and database services
• Cloudinary: For file storage and delivery
• *******: For payment processing
• Vercel: For hosting and analytics
• Formspree: For contact form handling

Your use of these integrated services is subject to their respective terms and privacy policies.

9.2 External Links

The Website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Accessing third-party links is at your own risk.

10. Disclaimers and Risk Disclosures

10.2 No Warranty

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF INFORMATION.

10.3 Accuracy of Information

While we strive for accuracy, we do not warrant that the content is error-free, complete, or current. Information may contain technical inaccuracies or typographical errors. We reserve the right to correct any errors and update information without notice.

11. Limitation of Liability

11.1 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ARTHASUTRA, ITS OWNER, EMPLOYEES, CONTENT SPECIALISTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM:

1. Your use or inability to use the Services
2. Any unauthorized access to or alteration of your data
3. Statements or conduct of any third party on the Website
4. Investment or trading losses
5. Any other matter relating to the Services

11.2 Cap on Liability

Our total liability for any claims under these Terms shall not exceed the amount paid by you to ArthaSutra in the twelve months preceding the claim or ₹10,000, whichever is greater.

11.3 Exceptions

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable law.

12. Indemnification

You agree to indemnify, defend, and hold harmless ArthaSutra, its owner, employees, content specialists, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

1. Your violation of these Terms
2. Your violation of any third-party rights
3. Your use or misuse of the Services
4. Any content you submit or transmit through the Services
5. Your violation of any applicable laws or regulations

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting us at support@arthasutra.site. Termination does not entitle you to any refunds unless specifically provided in our Refund Policy.

13.2 Termination by Us

We may suspend or terminate your access to the Services at any time, with or without cause or notice, including for violation of these Terms. Upon termination, your license to use the Services immediately ceases.

13.3 Effect of Termination

Upon termination, you must cease all use of the Services. Provisions that by their nature should survive termination shall continue to apply, including intellectual property rights, disclaimers, limitations of liability, and indemnification.

14. Dispute Resolution

14.1 Informal Resolution

We encourage users to contact us at ajay@arthasutra.site to resolve disputes informally. Most concerns can be resolved through good-faith discussion.

14.2 Governing Law and Jurisdiction

These Terms are governed by the laws of India. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Surajpur, Noida, Uttar Pradesh, India.

14.3 Arbitration

If informal resolution fails, disputes shall be resolved through binding arbitration under the Arbitration and Conciliation Act, 2015. The arbitration shall be conducted in English in Noida, Uttar Pradesh, with one arbitrator mutually agreed upon by the parties.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy, Refund Policy, and other referenced policies, constitute the entire agreement between you and ArthaSutra regarding the Services.

15.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

15.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

15.6 Notices

Legal notices to ArthaSutra should be sent to: Ajay Chaudhary, Village Dastoi, Post Sarawa, District Hapur, Uttar Pradesh, PIN 245101, or via email to ajay@arthasutra.site. We may provide notices to you via the email address associated with your account or by posting on the Website.