Terms & Conditions

1. Introduction

Welcome to ChartWise Academy ("ChartWise Academy," "we," "us," or "our"). These Terms & Conditions ("Terms," "Terms and Conditions," or "Agreement") govern your access to and use of the ChartWise Academy website, educational materials, courses, articles, videos, market-analysis resources, calculators, tools, newsletters, community features, and other products or services made available by ChartWise Academy (collectively, the "Services"). By accessing, browsing, registering with, purchasing from, or otherwise using the Services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Services.

2. About ChartWise Academy

ChartWise Academy is an educational platform focused on financial-market education. Our educational areas may include:

• Intraday trading
• Swing trading
• Positional trading
• Options trading
• Investment
• Stock markets
• Commodity markets
• Cryptocurrency
• Foreign exchange
• Technical analysis
• Fundamental analysis
• Quantitative trading
• Algorithmic trading
• Risk management
• Trading psychology
• Financial-market research

The availability of particular courses, products, markets, instruments, or features may change from time to time.

3. Educational Purpose

The Services are intended primarily for educational and informational purposes. Our content is designed to help users understand financial markets, analytical techniques, trading concepts, investment concepts, risk-management principles, and related subjects. Unless expressly stated otherwise, ChartWise Academy does not provide individualized financial, investment, securities, tax, legal, accounting, or other professional advice through the Services.

4. No Investment or Trading Advice

Nothing contained on the ChartWise Academy website or within its Services should be interpreted as:

• Personalized investment advice
• Personalized financial advice
• Trading advice
• A recommendation to buy or sell securities
• A recommendation to buy or sell derivatives
• A recommendation to trade currencies
• A recommendation to trade commodities
• A recommendation to purchase cryptocurrency
• A solicitation to invest
• A guarantee of investment performance
• A guarantee of trading profits
• A prediction that a particular asset will increase or decrease in value

Examples, strategies, charts, indicators, signals, backtests, hypothetical trades, case studies, and market commentary are provided for educational purposes. You are solely responsible for your own financial decisions.

5. Financial Market Risk

Financial markets involve substantial risk. Depending on the product, risks may include:

• Loss of capital
• Volatility
• Liquidity risk
• Leverage risk
• Margin risk
• Counterparty risk
• Market risk
• Execution risk
• Technology risk
• Regulatory risk
• Currency risk
• Interest-rate risk
• Gap risk
• Event risk

Trading derivatives, leveraged products, cryptocurrencies, foreign exchange, commodities, and other complex instruments may involve significant risk and may not be appropriate for every person. You should understand the risks associated with a financial product before participating in the relevant market. Never trade money that you cannot afford to lose.

6. No Guarantee of Profits

ChartWise Academy does not guarantee:

• Profits
• Returns
• Income
• Trading success
• Investment success
• A particular win rate
• A particular risk-reward ratio
• A particular level of portfolio performance
• Future market performance

Past performance, hypothetical performance, backtested results, simulations, examples, and historical case studies do not guarantee future results. Any reference to successful trades, strategies, returns, or historical performance should not be interpreted as a promise of future performance.

7. Hypothetical and Backtested Results

Certain educational materials may contain:

• Backtested strategies
• Simulated trades
• Hypothetical performance
• Historical examples
• Model portfolios
• Trading-system simulations
• Quantitative experiments

Such results may differ materially from actual trading results. Hypothetical performance generally does not reflect all real-world factors, including:

• Slippage
• Spreads
• Commissions
• Funding costs
• Taxes
• Liquidity
• Market impact
• Execution delays
• Data limitations
• Technology failures

Accordingly, users should not assume that hypothetical or backtested performance represents actual results.

8. Market Data and Information

ChartWise Academy may display or discuss:

• Market prices
• Charts
• Economic data
• Financial ratios
• Trading volumes
• Open interest
• Interest rates
• Economic indicators
• Market statistics
• Historical data
• Technical indicators
• Fundamental information

Such information may originate from ChartWise Academy or third-party data providers. We do not guarantee that market information will always be:

• Accurate
• Complete
• Current
• Error-free
• Uninterrupted
• Suitable for a particular purpose

Market information may change rapidly. Users should independently verify important information before making financial decisions.

9. Trading Tools and Calculators

ChartWise Academy may provide calculators and analytical tools, including:

• Position-size calculators
• Risk calculators
• Profit/loss calculators
• Risk-reward calculators
• Margin calculators
• Leverage calculators
• Pip calculators
• Options calculators
• Portfolio calculators
• Compounding calculators
• Volatility calculators

These tools are provided for educational and informational purposes. Results may depend on assumptions, inputs, rounding, market conditions, fees, taxes, execution conditions, and other factors. Users are responsible for verifying calculations before relying on them.

10. Account Registration

Certain Services may require users to create an account. When creating an account, you agree to:

• Provide accurate information
• Provide current information
• Keep account information updated
• Maintain the confidentiality of your credentials
• Not share your account with unauthorized persons
• Notify us of suspected unauthorized access

You are responsible for activity conducted through your account unless the applicable law provides otherwise.

11. Account Eligibility

You may use the Services only if you are legally capable of entering into a binding agreement under applicable law. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

12. Course Enrollment

ChartWise Academy may offer:

• Individual courses
• Bundled courses
• Memberships
• Subscription programs
• Workshops
• Webinars
• Recorded courses
• Live educational sessions
• Downloadable educational resources

Course descriptions, curriculum, pricing, duration, access period, and included materials may vary. We reserve the right to update or modify course content when reasonably necessary to maintain educational quality or reflect changes in markets, technology, regulations, or industry practices.

13. Course Access

Where a course is sold with a specified access period, your access will generally remain available for that period unless otherwise stated.

Course access may be subject to:

• Account status
• Payment status
• Subscription status
• Course-specific conditions
• Technical availability

We do not guarantee that a course or individual lesson will remain permanently available unless permanent access is expressly stated at the time of purchase.

14. Live Classes and Webinars

Where ChartWise Academy provides live classes or webinars:

• Schedules may occasionally change
• Sessions may be postponed or rescheduled
• Technical interruptions may occur
• Attendance may be subject to capacity or registration requirements
• Recordings may or may not be provided

Unless expressly stated, missing a live session does not automatically entitle a user to a refund.

15. Educational Content Updates

Financial markets, regulations, technology, economic conditions, trading platforms, exchange rules, taxation, and financial products can change. We may therefore update:

• Courses
• Articles
• Videos
• Charts
• Examples
• Calculators
• Market information
• Regulatory information

However, we do not guarantee that every educational resource will always reflect the latest development immediately.

16. Pricing

Prices for paid Services may change from time to time. Unless otherwise stated:

• The price displayed at checkout is the applicable purchase price
• Taxes may be added where applicable
• Promotional pricing may have additional conditions
• Discounts may be limited to specified periods or users
• We may discontinue promotional offers at any time
• A price change will generally not affect a completed purchase unless otherwise required by law

17. Payments

Payments may be processed through third-party payment providers. You agree to provide accurate payment and billing information. We are not responsible for payment failures caused by:

• Banks
• Card issuers
• Payment processors
• Network interruptions
• Incorrect payment information
• Third-party service failures

Payment information may be processed according to the privacy policy and terms of the applicable payment provider.

18. Refund and Cancellation Policy

Refunds and cancellations are governed by the ChartWise Academy Refund & Cancellation Policy, where applicable. Before purchasing a paid product, users should review the applicable refund terms. Unless otherwise required by applicable law, purchases may be subject to product-specific refund conditions. Where a refund is approved, the refund may be processed through the original payment method or another method reasonably determined by the payment provider.

19. Subscriptions and Memberships

If ChartWise Academy offers subscription-based Services:

• The subscription period will be stated at purchase
• Applicable recurring charges will be disclosed before purchase
• Users may cancel subscriptions according to the applicable cancellation procedure
• Cancellation may not automatically result in a refund for a period already paid for unless required under the applicable refund policy or law
• Subscription terms may vary between products

20. Intellectual Property

All original content made available through ChartWise Academy may be protected by applicable intellectual-property laws. This may include:

• Website design
• Logo
• Brand name
• Course materials
• Videos
• Articles
• Written content
• Graphics
• Diagrams
• Presentations
• Worksheets
• Templates
• Calculators
• Software
• Educational frameworks
• Text
• Images
• Audio
• Downloadable materials

Unless expressly permitted, these materials may not be copied, reproduced, republished, distributed, sold, modified, or commercially exploited without prior written permission.

21. Limited License for Course Materials

When you purchase or receive authorized access to a ChartWise Academy course, you receive a limited, non-exclusive, non-transferable, revocable license to access and use the educational materials for your personal educational purposes. You do not acquire ownership of the underlying intellectual property. You may not:

• Resell course materials
• Upload them to another platform
• Share paid login credentials
• Distribute videos
• Reproduce paid PDFs
• Publish course materials publicly
• Create competing courses substantially based on our proprietary materials
• Remove copyright notices
• Circumvent access controls

22. Prohibited Recording and Redistribution

Unless ChartWise Academy expressly permits it, users may not:

• Record paid classes
• Screen-record videos
• Copy course videos
• Distribute recordings
• Share private course links
• Upload course material to social media
• Upload materials to file-sharing websites
• Sell or redistribute educational resources

We may suspend or terminate access where unauthorized distribution is identified, subject to applicable law.

23. User-Generated Content

Certain Services may allow users to submit:

• Comments
• Questions
• Reviews
• Feedback
• Forum posts
• Discussions
• Educational contributions
• Screenshots
• Other content

You retain ownership of your lawful content, subject to the rights you grant to ChartWise Academy under these Terms.

24. User Content License

By submitting content to areas where user contributions are permitted, you grant ChartWise Academy a non-exclusive, worldwide, royalty-free license to host, reproduce, display, and use that content for operating and improving the relevant Services, subject to applicable law and our Privacy Policy. You represent that you have the necessary rights to submit the content.

25. Prohibited User Conduct

You agree not to use ChartWise Academy to:

• Violate applicable law
• Commit fraud
• Impersonate another person
• Harass other users
• Distribute malware
• Attempt unauthorized access
• Interfere with website operation
• Circumvent security controls
• Scrape protected content unlawfully
• Copy proprietary materials
• Distribute spam
• Upload malicious files
• Share another person's private information without authorization
• Engage in unlawful financial activities

26. Market Manipulation and Illegal Activity

ChartWise Academy does not encourage or facilitate:

• Market manipulation
• Insider trading
• Fraud
• Wash trading
• Spoofing
• Front-running
• Pump-and-dump schemes
• Misuse of confidential information
• Other unlawful market activity

Educational discussion of a financial-market practice does not constitute encouragement or authorization to engage in unlawful conduct.

27. No Reliance on Signals or Predictions

If ChartWise Academy publishes:

• Market commentary
• Technical setups
• Watchlists
• Educational examples
• Trading scenarios
• Price levels
• Technical signals
• Strategy examples

These are educational materials and should not be treated as personalized recommendations or guarantees. Markets can behave differently from historical patterns or analytical expectations.

28. Third-Party Websites and Services

The website may contain links to third-party websites and services. These may include:

• Exchanges
• Brokers
• Financial-data providers
• Charting platforms
• Payment providers
• Educational websites
• Government/regulatory websites
• Social-media platforms

Third-party services operate independently of ChartWise Academy. We do not control and are not responsible for their:

• Content
• Availability
• Security
• Privacy practices
• Terms
• Accuracy
• Products
• Services

Your use of third-party services is governed by their own terms and policies.

29. Affiliate Relationships

If ChartWise Academy uses affiliate links, sponsored relationships, referral arrangements, or similar commercial relationships, such relationships may be disclosed where required by applicable law. An affiliate relationship does not necessarily mean that ChartWise Academy endorses every product or service offered by a third party. Users should conduct their own due diligence.

30. Cryptocurrency Disclaimer

Cryptocurrency and digital-asset markets can be highly volatile and may involve substantial risks, including:

• Extreme price volatility
• Liquidity risk
• Exchange risk
• Custody risk
• Cybersecurity risk
• Smart-contract risk
• Token/project failure
• Regulatory uncertainty

ChartWise Academy does not guarantee the performance or viability of any cryptocurrency, token, blockchain project, exchange, protocol, or digital asset.

31. Forex Disclaimer

Foreign exchange trading may involve leverage and substantial financial risk. ChartWise Academy's Forex-related educational materials are provided for educational purposes only. Nothing in those materials constitutes an offer, solicitation, or personalized recommendation to trade any currency or Forex product. Users must independently determine whether a particular Forex product or activity is legally available to them in their jurisdiction.

32. Options and Derivatives Disclaimer

Options, futures, CFDs where legally applicable, and other derivatives can involve substantial risk. Potential losses may be significant and, depending on the product and position, may exceed the amount initially expected by an inexperienced participant. Educational examples involving derivatives are not recommendations to enter into those positions. Users should understand the characteristics and risks of the relevant product before trading.

33. Commodity Trading Disclaimer

Commodity markets can be affected by:

• Supply and demand
• Weather
• Geopolitical events
• Currency movements
• Interest rates
• Inventory
• Production
• Transportation
• Government policy

Commodity derivatives may involve leverage and substantial risk. Educational content about commodities is not personalized trading advice.

34. Investment Disclaimer

Investment involves risk, including the possible loss of principal. ChartWise Academy educational materials may discuss:

• Stocks
• Mutual funds
• ETFs
• Bonds
• Gold
• Real estate
• REITs
• InvITs
• International investments
• Other asset classes

Discussion of a particular asset, company, security, fund, sector, or strategy should not automatically be interpreted as a recommendation to invest.

35. Regulatory and Tax Information

Regulatory requirements and taxation can vary by:

• Country
• State or region
• Financial product
• Transaction type
• Investor status
• Date
• Regulatory framework

Information presented by ChartWise Academy concerning regulations or taxation is educational and may become outdated. You should verify current requirements with the appropriate government authority, regulator, qualified tax professional, lawyer, or other qualified professional.

36. India-Specific Compliance

Where ChartWise Academy provides educational content to users in India, references may be made to Indian institutions and frameworks, including where relevant:

• SEBI
• RBI
• NSE
• BSE
• MCX
• NCDEX
• NISM
• AMFI
• NSDL
• CDSL
• Government authorities

References to regulatory frameworks do not imply that ChartWise Academy is itself a regulator, exchange, broker, investment adviser, research analyst, portfolio manager, or other regulated intermediary unless separately stated and legally authorized.

37. No Broker or Exchange Relationship

Unless explicitly stated otherwise, ChartWise Academy is not:

• A stockbroker
• A cryptocurrency exchange
• A Forex broker
• A commodity broker
• An investment adviser
• A portfolio manager
• A fund manager
• A bank
• A custodian
• A clearing corporation
• A securities exchange

ChartWise Academy does not execute trades on behalf of users merely by providing educational Services.

38. User Responsibility

You are solely responsible for:

• Your trading decisions
• Your investment decisions
• Your account security
• Your financial decisions
• Your tax compliance
• Your regulatory compliance
• Your use of third-party platforms
• Your risk management

You should independently assess whether any financial activity is appropriate for your circumstances.

39. Accuracy of Educational Content

We make reasonable efforts to provide useful and accurate educational information. However, we do not guarantee that all content will be:

• Complete
• Accurate
• Current
• Error-free
• Suitable for every user
• Continuously available

If you identify a potential error, you may contact us so that we can review it.

40. Website Availability

We aim to maintain reliable access to the Services but do not guarantee uninterrupted availability. The website may occasionally be unavailable because of:

• Maintenance
• Updates
• Hosting issues
• Network failures
• Cybersecurity incidents
• Technical problems
• Third-party service outages
• Force majeure events

41. Security

We take reasonable measures to protect the Services. However, no online system can be guaranteed to be completely secure. You acknowledge that internet-based services involve inherent security risks. You must not attempt to compromise the security or integrity of the website.

42. Suspension or Termination

We may suspend or terminate access to an account or Service where reasonably necessary, including if a user:

• Violates these Terms
• Engages in fraudulent activity
• Shares unauthorized course materials
• Attempts to compromise website security
• Uses the Services unlawfully
• Fails to make required payments

Where appropriate and legally required, we may provide notice or an opportunity to remedy the violation.

43. Effect of Termination

Upon termination:

• Your right to access restricted Services may end
• You must stop using protected course materials
• Unauthorized copies must not be distributed
• Provisions that by their nature should survive termination may continue to apply
• Termination does not automatically eliminate obligations that accrued before termination

44. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Services are provided on an "as is" and "as available" basis. We do not make warranties that:

• The website will always be available
• Content will always be accurate
• Services will be uninterrupted
• Errors will always be corrected
• The Services will meet every user's requirements
• Financial results will be achieved
• Trading or investment strategies will be profitable

Nothing in these Terms excludes a warranty or right that cannot legally be excluded.

45. Limitation of Liability

To the maximum extent permitted by applicable law, ChartWise Academy and its owners, employees, contractors, instructors, affiliates, and service providers shall not be liable for losses arising from:

• Trading decisions
• Investment decisions
• Loss of capital
• Missed trading opportunities
• Market movements
• Incorrect or delayed market data
• Third-party platforms
• Broker failures
• Exchange failures
• Technology failures
• Internet interruptions
• Cybersecurity incidents
• Unauthorized account access
• Reliance on educational content
• Use of calculators or analytical tools

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

46. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless ChartWise Academy and its officers, employees, contractors, instructors, affiliates, and service providers from claims, losses, liabilities, costs, or expenses arising from:

• Your violation of these Terms
• Your unlawful use of the Services
• Your violation of another person's rights
• Your misuse of course materials
• Your use of the Services in violation of applicable law

47. Force Majeure

ChartWise Academy will not be responsible for failure or delay caused by circumstances beyond its reasonable control, including:

• Natural disasters
• War
• Terrorism
• Government action
• Internet failures
• Telecommunications failures
• Cyberattacks
• Power failures
• Pandemics
• Third-party service outages
• Other extraordinary events

48. Privacy

Your use of the Services is also subject to our Privacy Policy. The Privacy Policy explains how ChartWise Academy collects, uses, stores, and processes personal information.

49. Cookies

The website may use cookies and similar technologies. Use of cookies is governed by the applicable Cookie Policy and Privacy Policy.

50. Changes to These Terms

We may update these Terms from time to time. Changes may be made to reflect:

• New Services
• Changes in technology
• Changes in business practices
• Changes in applicable law
• Regulatory developments
• Changes in educational offerings

The updated version will be published on the website with a revised "Last Updated" date. Your continued use of the Services after an updated version becomes effective may constitute acceptance of the updated Terms to the extent permitted by applicable law.

51. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

52. Waiver

Failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce that provision later.

53. Entire Agreement

These Terms, together with applicable policies referenced within them, constitute the agreement governing your use of the relevant ChartWise Academy Services, except where a separate written agreement expressly applies.

54. Assignment

You may not transfer or assign your rights or obligations under these Terms without our prior written consent, except where such restriction is prohibited by applicable law.

ChartWise Academy may assign its rights or obligations where reasonably necessary in connection with a restructuring, merger, acquisition, sale of assets, or similar business transaction, subject to applicable law.

55. Governing Law and Jurisdiction

Subject to applicable law, these Terms shall be governed by the laws applicable to ChartWise Academy's operating entity. Where ChartWise Academy is operated from India, the applicable Indian laws may govern these Terms. Any dispute shall be subject to the jurisdiction of the appropriate courts identified in the final legally reviewed version of these Terms.

New Delhi Jurisdiction.

56. Dispute Resolution

Before initiating formal legal proceedings, users are encouraged to contact ChartWise Academy and attempt to resolve the matter informally. Where appropriate, disputes may be resolved through:

• Direct communication
• Internal grievance/support process
• Mediation
• Arbitration, where legally applicable and agreed
• Courts of competent jurisdiction

The final dispute-resolution mechanism should be customized by legal counsel based on ChartWise Academy's legal entity and applicable Indian law.

57. Grievances and Complaints

If you have a complaint regarding:

• Your account
• Course access
• Payments
• Refunds
• Educational content
• Privacy
• Website functionality
• Other Services

Please contact ChartWise Academy using the official contact information published on the website. We will make reasonable efforts to review and respond to legitimate complaints.

58. Contact Information

59. Acceptance of Terms

By accessing or using ChartWise Academy, you acknowledge that:

• You have read these Terms & Conditions
• You understand their provisions
• You agree to comply with them
• You understand that financial markets involve risk
• You understand that ChartWise Academy provides educational information rather than guaranteed financial outcomes
• You are responsible for your own financial decisions and legal/regulatory compliance

If you do not agree with these Terms, you should discontinue use of the Services.