Terms Of Use
This Terms of Use Agreement (the "Terms" or "Agreement") describes the terms and conditions applicable to your access and use of www.finlatics.com (the "Website") operated by Fincrux Technologies LLP ("Finlatics"). Throughout the Website, the terms "we", "us" and "our" refer to the Finlatics and "user" or "you" refers to each visitor to this Website. By visiting and using this Website you agree to be bound by the following Terms. These Terms govern your access to and use of the Website and any of the services we provide through this Website (collectively referred to as "the Services"). Please read these Terms carefully and in the event you disagree with the Terms in any manner whatsoever, kindly do not use this Website, the Services and/or any part thereof. Please note that we may revise this Agreement at any time by posting updated Terms of Use on the Website, and your continued use of the Website constitutes acceptance of such revisions. Changes to this Agreement will not be applied retroactively.
In some instances, both these Terms and separate terms of service or guidelines document setting forth additional conditions may apply to a Service or product offered via the Website ("Additional Terms"). To the extent there is a conflict between these Terms and any Additional Terms, the Additional Terms shall prevail only to the extent of such discrepancy, unless the Additional Terms expressly state otherwise.
We may add, modify, change, or vary all or any of these Terms, the Website, its Content, and the services described on the Website at any time without prior notice.
Warranties:
By accessing and using this Website, you confirm that you have read, understood, and agreed to these Terms. You also represent that you are at least 18 years old and legally capable of forming a binding contract. If you are under 18, you affirm that your parent or legal guardian has approved your use of the Website, has read and agreed to these Terms on your behalf, and that you have all necessary rights to comply with these Terms.
You agree to register on the Website before using any Services and provide accurate and up-to-date information as required. You also agree to comply with all applicable laws, rules, and regulations governing your use of the Website, including those related to data transmission and software usage.
We reserve the right to deny access to the Website, without prior notice, if:
- You engage in unauthorized access or use of the Website.
- You attempt to assign or transfer any rights granted under these Terms.
- You violate or attempt to violate any of these Terms.
Website and Services:
We do not guarantee uninterrupted or error-free access to the Website or any Services and are not liable for any inaccessibility or unavailability. We may modify, expand, limit, or discontinue any part of the Website or Services at our sole discretion, without prior notice. Users are responsible for ensuring their hardware and software meet the requirements for accessing the Website, and we bear no liability for any such requirements.
Intellectual Property Rights:
The Website and its Content are the sole property of Finlatics and/or its licensors. This Website and its content are protected by copyright, trademark and other proprietary laws. You may not post, distribute, or reproduce in any manner, copyrighted material, trademarks or other proprietary information without obtaining the prior consent or authorization of Finlatics. You agree not to take any action that would violate, jeopardize or impair such intellectual property rights, or the legality and/or enforceability thereof. We reserve the right to terminate your access and any other privileges of any user who infringes our intellectual property rights. You shall also be liable for actual and punitive damages as estimated by us and additional damages as rightly determined by a court of law of appropriate jurisdiction.
License:
We grant you a limited, non-exclusive, non-transferable, non-assignable, and revocable license to access and use this Website, subject to these Terms. This license is solely for your personal, non-commercial use, provided that the content remains unmodified, and all proprietary notices are retained.
You may not reproduce, publish, translate, sell, distribute, or create derivative works of the content, nor use framing techniques to enclose any part of the Website. You also agree not to create a database by downloading or storing Website content in any form. No part of the Website may be reproduced, transmitted, stored, or disseminated on any other platform.
These Terms do not grant you any rights to sublicense, redistribute, rent, sell, lease, assign, broadcast, or provide access to the Website. Any Project(s) or Program(s) you purchase will be governed by the specific license rights outlined in these Terms.
Content Submitted by You:
This Website may provide you with a platform and opportunity to post or share any content or material, including, without limitation, questions, quizzes, homework, projects, ideas, reviews, suggestions and other content (collectively referred to as "User Content"). You acknowledge that such content may remain publicly visible indefinitely and should not include anything you would not want publicly accessible.
User Content is deemed non-confidential and non-proprietary. You represent and warrant that it is accurate, does not violate any laws, or infringe on any third-party rights, including intellectual property, privacy, or personal rights. You agree to indemnify and hold Finlatics and its affiliates, employees, and agents harmless from any claims, losses, or damages arising from your User Content.
By submitting User Content, you grant Finlatics a perpetual, worldwide, royalty-free, irrevocable license to use, reproduce, distribute, modify, display, resell, and otherwise exploit it in any format or platform. Finlatics may use any ideas, concepts, or techniques contained within for business purposes, including product development and marketing. To the extent permitted by law, you waive any moral or similar rights in the User Content.
Finlatics reserves the right to modify or remove any User Content at its sole discretion, including if it violates these Terms or is deemed objectionable.
Widgets:
Finlatics may, in its sole discretion, provide certain widgets subject to these Terms (the "Widgets"). By accessing and using any Widget (including copying any Widget html code), you agree to be bound by the following:
- You may only display the Widget(s) on a website you own and operate;
- You may not modify any Widget including without limitation that you may not change any code, obscure or disable any element of any Widget, tag links to Finlatics with a "no follow" attribute or similar mechanism;
- You agree not to make any representations or warranties (express or implied) about Finlatics or the Website;
- You may not suggest or imply any affiliation with, sponsorship, or endorsement by Finlatics;
- You may not place the Widget on any Website that contains any content that is in any way unlawful, harmful, obscene, harassing, or racially, ethnically, or otherwise objectionable. Additionally, you may not place the Widget on any Website that infringes any Finlatics intellectual property or other rights, or violates any applicable law;
- Finlatics grants you a non-transferable, non-exclusive, revocable right to download/display the Widget solely in accordance with the Terms (ii) solely in connection with the Widget, to use our logos, trademarks, trade names and other intellectual property contained in the Widget. This Terms of Use does not grant you any right in any Finlatics code, content, logos or trademarks beyond the limited permission to display the Widget granted herein.
- Finlatics reserves the right at any time to terminate or modify your permission to display the Widget. The Widgets are subject to change from time to time in our sole discretion. We may cease to return content from the Widget at any time in our sole discretion.
Third Party Links:
While we welcome the links to our Website from other websites, any testimonials, opinions, advices, product or service offers, or other information or content made available through these third party links belong solely to the respective third party link providers. We do not guarantee and shall not be liable for the accuracy, completeness, reliability or usefulness of such information provided by the third party link. You shall be responsible for evaluation of such information/content provided by the third party links and Finlatics shall not be liable for any damage or loss caused by your reliance on or others use of the third party links.
Investment Decision:
The content on this Website is for informational purposes and should not be relied upon as the sole basis for any investment decisions. This Website does not offer personalized legal, tax, accounting, or investment advice. Neither we nor our affiliates, third-party providers, agents, or licensors shall be liable for any investment decisions made based on the content of this Website.
Investing inherently involves risk, and any reliance on the Website's content is at your own discretion. You assume full responsibility for any investment decisions you make. Finlatics strongly recommends consulting a qualified professional to verify pricing and other relevant information before executing any stock trade.
Limitation of Liability:
Under no circumstances shall Finlatics, its officers, directors, agents, third-party providers, affiliates, or licensors be liable for any direct, indirect, incidental, punitive, special, or consequential damages—including, but not limited to, attorneys' fees, loss of profits, revenue, data, goodwill, business opportunities, or other intangible losses—arising from the use of, or inability to use, any materials available on the Website.
If you are dissatisfied with any information, materials, or terms on the Website, your sole and exclusive remedy is to discontinue its use. In the event that Finlatics or any of its third-party providers, affiliates, agents, or licensors are found liable for a claim related to the services or content on the Website, their total aggregate liability shall not exceed the amount you paid to the Website, if any, in the past twelve months for the services in question. This limitation of liability shall be your sole remedy in lieu of any other claims against Finlatics or its associated parties.
Webinars:
In the event that Finlatics offers general or continuing or other educational or non educational webinars ("Webinars") to users, the following terms apply in addition to the rest of these Terms:
You acknowledge and agree to receive communications from Finlatics and/or the providers of the Webinars. Finlatics reserves the right to modify, suspend, or discontinue any Webinars and related services at any time, for any reason, without prior notice.
Continuing Education Webinars:
Finlatics may offer continuing education Webinars, some of which may not be officially approved for credit. Any Webinars approved for continuing education credit will be identified on the respective landing pages. You agree that Finlatics may be required to share details regarding your participation or completion of an approved Webinar with the relevant program provider to facilitate credit eligibility.
General Education Webinars:
Finlatics may also offer Webinars for general educational purposes that are not recognized for professional, state, provincial, territorial, or institutional credit.
All Webinar content and materials are provided for informational purposes only. The information presented may not be applicable across all jurisdictions, and Finlatics does not guarantee its accuracy, completeness, or timeliness. Finlatics makes no representations or warranties regarding the quality of the Webinar content, materials, or the instructors conducting the Webinars.
All Webinars and related materials are owned by or licensed to Finlatics and/or its content providers. You may not reproduce, distribute, transmit, display, sell, publish, or otherwise use any Webinar content without prior written consent from Finlatics.
The presence of any instructor in a Webinar does not constitute an endorsement or recommendation by Finlatics. The views expressed in the Webinars are those of the instructor and do not necessarily reflect the views of Finlatics.
Online Educational Project(s) and Program(s):
Projects and Programs
Finlatics offers online courses, workshops, classes, and other educational programs related to finance for a fee ("Projects and Programs"), which form part of its Services. Access and participation are subject to these Terms and Finlatics' Payment Policy (www.Finlatics.com/PaymentPolicy). Users must log in to their accounts to enroll and cannot transfer accounts or use another person's account. Finlatics may use third-party platforms for hosting and payment processing, which may have access to user data for service provision.
Access Restrictions & Compliance:
Access to Projects and Programs may be restricted in certain regions. Users outside India must comply with applicable data export laws when purchasing or viewing content.
Use & Limitations:
Projects and Programs are for informational and educational purposes only. Purchase grants viewing rights but does not confer ownership of any included content. Users may not copy, sell, modify, reproduce, distribute, or commercially exploit the content. Finlatics may take legal action against unauthorized use. Neither Finlatics nor any instructor provides legal, financial, accounting, or investment advice. Users should consult professionals for guidance.
Academic Credit & Certification:
Finlatics is not an accredited institution. Participation does not confer academic credit. Completion may result in a certificate, which is not affiliated with any university, company, or certifying body. If an accredited institution offers courses through Finlatics, users must review and comply with that institution's policies. Finlatics makes no warranties regarding the quality of such third-party courses.
Ownership & Intellectual Property:
Finlatics and its licensors own all rights to the content within Projects and Programs, including videos, lectures, quizzes, assignments, presentations, text, images, and audio materials. Users receive no ownership or proprietary rights.
Indemnification:
Users agree to indemnify and hold Finlatics harmless from any claims, losses, or liabilities arising from their use of the educational services, including intellectual property violations or legal non-compliance.
Modifications & Termination:
Finlatics reserves the right to modify, suspend, or discontinue any Project or Program at any time without liability. These Terms do not obligate Finlatics to maintain or support any educational service indefinitely.
Payments & Refunds:
Payments are subject to Finlatics' Payment Policy (www.Finlatics.com/PaymentPolicy), and refunds are governed by the Cancellation and Refund Policy (www.Finlatics.com/CancellationRefundPolicy).
Contests/Games/Quizzes:
Finlatics may organize contests, quizzes, and games related to its Services, offering prizes or certificates to top performers based on predefined criteria. To claim a prize, users may need to provide certain information, for which they bear full responsibility. Finlatics is not liable for any claims related to prizes. Prize distribution is at the sole discretion of Finlatics and its sponsoring partners and may be revoked at any time without prior notice. Some contests, quizzes, or games may be conducted in collaboration with third-party sponsors.
Broker Reviews:
Finlatics may provide reviews of online brokers for informational purposes only. These reviews are not guaranteed to be accurate, complete, or up to date. We make no representations or warranties regarding the quality or accuracy of the reviews. The publication of any review by Finlatics does not constitute an endorsement or recommendation of the broker, and the views expressed in the review are solely those of the reviewer, not Finlatics. We strongly recommend that you review the terms and conditions of any online broker you choose to use.
Finlatics does not make any warranties or representations regarding the quotes, fees, terms, rates, coverage, or services offered by online brokers. We do not guarantee that these offerings are the best available. We are not involved in, nor responsible for, any fee arrangements you may enter into with any online broker or service provider. You release Finlatics from any losses, costs, damages, or claims arising from your use of any service provider's products or services.
We may receive compensation from online brokers when a user applies for or is approved for a financial product through our Website. Such compensation may influence the products and brokers we review and feature on the Website. However, the Website does not claim to feature every online broker or financial product available.
Viruses:
We do not guarantee that files available for downloading through its Website will be free of infection or viruses or other code that may have contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for integrity, security and accuracy of data input and output, and for maintaining a means external to the Website for the reconstruction of any lost data.
Prohibited Activities:
The following is a partial list of content and activities that are prohibited on the Website. Finlatics reserves the right to investigate and take appropriate legal action, including removing offending content and terminating the registration of violators, at its sole discretion. Prohibited content and activities include, but are not limited to:
- Information or content that belongs to another person and to which the user has no rights.
- Using the Website for unlawful, immoral, or fraudulent purposes.
- Content that is patently offensive, promotes racism, bigotry, hatred, or physical harm against any individual or group, or is harmful to children.
- Activities that harass or advocate harassment of another person.
- Transmitting "junk mail," "chain letters," unsolicited mass mailing, or "spamming."
- Advertising to, or solicitation of, any participant to buy or sell products or services through the Website.
- Promoting false or misleading information or illegal activities, or content that is abusive, threatening, obscene, defamatory, or libelous.
- Creating restricted or password-only access pages or hidden pages/images (those not linked to from another accessible page).
- Providing material that exploits people under 18 in a sexual or violent manner or solicits personal information from anyone under 18.
- Soliciting passwords or personal identifying information for commercial or unlawful purposes from other users.
- Providing commercial activities or sales, such as contests, sweepstakes, barter, advertising, or pyramid schemes, without prior written consent.
- Modifying, adapting, translating, or reverse-engineering any part of the Website.
- Removing copyright, trademark, or other proprietary rights notices from the Website.
- Using robots, spiders, or other Website search/retrieval applications to retrieve or index any portion of the Website.
- Reformatting or framing any portion of the web pages on the Website.
- Creating user accounts by automated means or under false or fraudulent pretenses.
- Submitting content that falsely expresses or implies sponsorship or endorsement by Finlatics.
- Submitting content that infringes, misappropriates, or violates intellectual property, privacy, publicity, or other proprietary rights of any party.
- Transmitting viruses, worms, defects, Trojan horses, or other destructive items.
- Submitting unlawful content or promoting or encouraging illegal activities.
- Providing information that threatens the unity, integrity, defense, security, or sovereignty of India, friendly relations with foreign states, or public order, or causes incitement to cognizable offenses or prevents investigations, or insults other nations.
Finlatics prohibits such conduct and content on its Website. You understand and agree that you may still be exposed to such content or actions, and that you use the Website at your own risk.
The Project(s) and Program(s) on the Website may include simulated trades and portfolios of stocks strictly for educational purposes. Finlatics prohibits the use of such simulated trades and portfolios for any other purpose. In the event of any violation of gaming or betting laws by users, the users will be solely responsible for any liability incurred.
Discontinuation and Termination:
Finlatics reserves the right to modify, suspend, or permanently discontinue the Website (or any part thereof) at any time, with or without notice, and without any liability. Additionally, Finlatics may modify, alter, or cancel any categories, products, or services on the Website at its sole discretion, with or without notice, and without any liability.
Finlatics reserves the right, in its sole discretion, to terminate your registration if you do not log in to the Website for a continuous period of six (6) months. Finlatics also reserves the right to suspend or terminate your access to the Website, without notice or liability, if it believes your conduct violates these Terms.
The Website and all its contents, including but not limited to pictures, photographs, audio, video, graphics, and blogs, are protected by copyright laws in India and other countries. Finlatics is the sole, exclusive owner of all intellectual property rights in these materials. Unauthorized use of any Finlatics trademark, service mark, or logo is prohibited and may violate applicable trademark laws.
If you wish to terminate your membership or registration with Finlatics, you may do so by visiting your account settings. Please note that while you may cancel your membership at any time, any amounts paid are non-refundable, even if the membership is canceled.
Communication:
By registering with us, you agree:
- To receive any updates in the form of emails throughout these Terms;
- To conduct business with us electronically and via internet and to receive all required notices in electronic format, including but not limited to email messages to an authorized email address to has been provided to us by you (these emails may contain the required notice or disclosure or may alert you the availability of such a notice or disclosure on the Website);
- To get periodic SMS alerts and/or periodic newsletters.
We also reserve the right to effect the delivery of notices or disclosures by posting to the Website with no email transmission, to the extent permitted by applicable law.
Privacy:
This Website may collect certain information pertaining to its users. Please review our Privacy Policy to understand the kind of information we collect and store, how such information is used, how we may share that information, and the rights in connection with such information.
Copyright
All Rights Reserved - Fincrux Technologies LLP. Except as permitted herein, you may not modify, reproduce, or distribute the Website's content or layout without prior written permission.
Disclaimer Of Warranties:
This Website does not offer, solicit, or arrange for the sale or purchase of securities. The Website and its contests are part of a stock market simulation. No actual securities are bought, sold, or traded. The Website and the services are provided on an "as is" basis, without any guarantees or warranties, and you use them at your own risk and discretion.
All information provided is for informational and educational purposes only. No content on this Website is intended to constitute professional advice, whether business, financial, legal, or otherwise.
Your use of the Website, Widgets, and services is at your sole risk. The Website, Widgets, and services are provided on an "as is" and "as available" basis. Finlatics makes no representation or warranty that the Website, Widgets, or services will meet your requirements, or that they will be uninterrupted, secure, current, or error-free, or that the results obtained from using them will be accurate, timely, useful, or reliable.
To the fullest extent permitted by law, Finlatics disclaims all warranties, representations, and conditions of any kind, whether express or implied, including but not limited to implied warranties and conditions of merchantability, fitness for a particular purpose, and non-infringement, with respect to the use of the Widgets, the Website, and its services, or the accuracy, completeness, timeliness, or currency of its content for any purpose.
In no event will Finlatics be liable for any incidental, special, consequential, exemplary, or indirect damages arising out of the use or inability to use the Widgets, the Website, or any of its services or content, or for loss of data, even if Finlatics has been advised of the possibility of such damages, and whether based on contract, tort, negligence, product liability, strict liability, or otherwise.
Governing Law:
These Terms shall be governed and construed in accordance with the laws of India and without giving effect to any principles of conflict of laws. All disputes arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the Courts of Mumbai. You hereby irrevocably waive any objection to jurisdiction and venue of any action instituted hereunder and shall not assert any defence based on lack of jurisdiction or venue.
Miscellaneous:
These Terms, Privacy Policy and any Additional Terms (as amended from time to time) shall constitute the entire agreement that would govern your use of the Website and any part thereof and shall supersede any prior agreements or understanding between you and Finlatics with respect to these Terms. Finlatics reserves the right to add, alter, amend, modify these Terms at any time and shall notify you about such updated Terms. You agree that your continued use of the Website shall constitute your acceptance of such updated Terms.
Finlatics may transfer its rights and obligations under the Terms of Use at any time without notice. Any failure of Finlatics to exercise any provision of these Terms shall not constitute a waiver of that right or provision. In the event, if any part of these Terms of Use is found by any court or other authority or competent jurisdiction to be invalid, unenforceable or illegal, the other provisions shall remain unaffected and in force.
Your acceptance of these Terms shall not be construed to create an association, agency, joint venture, partnership or employer-employee relationship between you and Finlatics or to impose any liability attributable to such a relationship upon either party. Any notice given under this shall be in writing and may be emailed to the party specified in this Agreement or such other address as may be notified under this Agreement by that party from time to time.
Take down policy:
If you believe your intellectual property rights have been infringed, please provide the following information via email:
- Your name, address, and contact details.
- A description of the copyrighted work allegedly infringed.
- A description of where the infringing material is located.
- A signed statement confirming your good faith belief that the use is unauthorized.
You may contact us at: Finlatics Email: care@finlatics.com
(Please include "Intellectual Property Infringement" in the subject line.)
Finlatics reserves the right to remove infringing content and terminate access for repeat infringers. Please attach your digital signature or physical signature to the report. Within 72 working hours of receiving this notice with the above mentioned details, we will take down the allegedly infringing material from public view while we assess the issues identified in your notice.
On completion of the take-down procedure above:
- If the complainant is successful in obtaining an order of injunction from a court of competent jurisdiction within 21 days from filing the complaint, the material will be permanently removed from the Website and database upon Finlatics being provided with a copy of such order;
- If the complainant is not successful in obtaining an order of injunction from a court of competent jurisdiction within 21 days from receiving notice from the complainant, the material may be made available for public view once again.
Before you submit a report of infringement, you may want to send a message to the person who posted the content. You may be able to resolve the issue without contacting Finlatics. Please remember, only the copyright/trademark owner or their authorized representative may file a report of infringement. If you believe something on the Website infringes someone else's copyright/trademark, you may want to let the rights owner know.
Grievance Redressal:
Any complaints or concerns with regards to the contents/comments/breach of these Terms shall be addressed to care@finlatics.com
