India-Specific Regulatory & Legal Disclosure

1. Purpose of This Disclosure

ChartWise Academy ("ChartWise Academy," "we," "us," or "our") provides educational content, courses, training materials, market-related information, analytical concepts, examples, demonstrations, tools, and other educational resources relating to financial markets. This India-Specific Regulatory & Legal Disclosure explains the regulatory and legal framework relevant to the educational services provided through chartwiseacademy.com.

This disclosure should be read together with:

• Terms & Conditions
• Privacy Policy
• Cookie Policy
• Disclaimer and Risk Disclosure
• Refund & Cancellation Policy
• Any other policies or disclosures published by ChartWise Academy

This document is intended to clarify the nature of our services and does not constitute legal, tax, investment, securities, or regulatory advice.

2. Educational Purpose

ChartWise Academy is primarily an education and financial-market learning platform. Our educational content may cover:

• Stock markets
• Equity investing
• Intraday trading
• Swing trading
• Positional trading
• Options
• Futures
• Commodity markets
• Cryptocurrency
• Forex
• Technical analysis
• Fundamental analysis
• Quantitative analysis
• Algorithmic trading
• Risk management
• Trading psychology
• Portfolio concepts
• Market structure
• Financial mathematics
• Backtesting
• Trading systems
• Related financial-market concepts

The purpose of such content is to help users understand financial-market concepts, analytical methodologies, risks, and decision-making frameworks.

Educational information should not automatically be interpreted as personalized investment advice, research advice, a recommendation, or a solicitation to buy or sell any security or financial product.

3. SEBI Regulatory Status

Unless expressly stated otherwise on a particular page, ChartWise Academy does not represent that it is registered with the Securities and Exchange Board of India ("SEBI") as:

• An Investment Adviser
• A Research Analyst
• A Portfolio Manager
• A Stock Broker
• A Merchant Banker
• A Mutual Fund
• An Alternative Investment Fund
• A Collective Investment Scheme
• Any other SEBI-regulated intermediary

Nothing on this Website should be interpreted as representing that ChartWise Academy holds a SEBI registration unless a valid registration is specifically disclosed. SEBI’s regulatory framework contains specific requirements for persons carrying on regulated investment-advisory or research activities.

4. Education Is Not Investment Advice

ChartWise Academy distinguishes financial education from personalized investment advice. Investment advice can involve advice relating to investing in, purchasing, selling, or otherwise dealing in securities and may include financial planning. SEBI’s Investment Advisers Regulations define "investment advice" in this context.

Accordingly, ChartWise Academy does not intend its general educational material to create an adviser-client relationship. Unless specifically stated otherwise and lawfully provided by an appropriately registered person:

• We do not assess your individual financial circumstances for the purpose of giving personalized securities advice
• We do not determine whether a particular security is suitable for you
• We do not manage your investment portfolio
• We do not operate your trading account
• We do not take custody of your securities or funds
• We do not execute trades on your behalf
• We do not guarantee any particular financial outcome

Users remain responsible for their own financial decisions.

5. Research Analysis and Recommendations

ChartWise Academy may discuss securities, indices, companies, sectors, markets, strategies, technical patterns, fundamental factors, or historical price movements for educational purposes. Such discussion should not be understood as a representation that ChartWise Academy is providing regulated research-analysis services.

SEBI’s Research Analysts Regulations require persons acting as research analysts or holding themselves out as research analysts to obtain the applicable registration, subject to the regulatory framework and its exceptions. Accordingly, ChartWise Academy does not hold itself out as a SEBI-registered Research Analyst unless expressly disclosed.

Where a specific research or recommendation service is introduced in the future, it will be operated only after determining the applicable regulatory requirements and registrations.

6. General Market Commentary and Educational Examples

Educational discussions may include:

• Historical market movements
• Chart examples
• Technical indicators
• Candlestick patterns
• Trading setups
• Hypothetical trades
• Historical securities
• Backtested strategies
• Market scenarios
• Example portfolios
• Options strategies
• Futures examples
• Quantitative models
• Hypothetical profit-and-loss calculations

These examples are provided for educational purposes. A historical or hypothetical example does not constitute a prediction that the same outcome will occur in the future.

7. Trading Calls, Signals and Alerts

ChartWise Academy may discuss trading concepts or demonstrate how trading signals can be generated as part of educational material. Any educational example should not be interpreted as a personalized instruction to:

• Buy
• Sell
• Hold
• Short
• Exercise
• Write an option
• Enter a futures position
• Exit a financial position

Users should independently evaluate any financial decision and, where appropriate, seek advice from a suitably qualified and appropriately registered professional.

8. Financial Market Risk

Financial markets involve substantial risk. Users may lose part or all of their invested or trading capital. Particular risks may arise from:

• Market volatility
• Leverage
• Margin requirements
• Gaps
• Liquidity
• Slippage
• Execution delays
• Overnight risk
• Corporate events
• Economic events
• Interest-rate changes
• Currency movements
• Derivative pricing
• Counterparty risk
• Technology failures
• Unexpected market conditions

No educational method can eliminate financial-market risk.

9. Derivatives and Options

Options and futures are leveraged financial instruments and can result in significant losses. Educational content concerning:

• Calls
• Puts
• Futures
• Spreads
• Straddles
• Strangles
• Iron condors
• Butterflies
• Calendar spreads
• Hedging
• Option Greeks
• Implied volatility
• Open interest
• Other derivatives

is provided for educational purposes. Theoretical maximum profit or loss discussed in an educational example does not necessarily represent the actual result that a market participant will experience after considering:

• Brokerage
• Taxes
• Exchange charges
• Slippage
• Bid-ask spreads
• Margin requirements
• Liquidity
• Execution
• Assignment or settlement
• Other costs

10. Intraday Trading

Intraday trading can involve substantial financial risk. Educational strategies such as:

• Scalping
• Momentum trading
• Breakout trading
• Opening-range breakout
• Mean reversion
• VWAP strategies
• Price-action strategies
• Reversal strategies

are examples of methodologies for study and analysis. No strategy is guaranteed to produce profits.

11. Investment Education

ChartWise Academy may provide educational material relating to:

• Stocks
• Mutual funds
• ETFs
• Bonds
• Gold
• REITs
• InvITs
• Asset allocation
• Diversification
• Valuation
• Fundamental analysis
• Portfolio construction
• Long-term investing

Educational discussion of an investment product or security does not mean that such product is suitable for every investor. Investment decisions should consider an individual’s:

• Financial objectives
• Risk tolerance
• Time horizon
• Liquidity requirements
• Tax position
• Existing portfolio
• Personal circumstances

12. Mutual Funds and Investment Products

References to mutual funds, ETFs, securities, financial products, or investment schemes are for educational purposes unless otherwise expressly stated. ChartWise Academy does not guarantee:

• Returns
• Capital appreciation
• Dividend income
• Interest income
• Preservation of capital
• Outperformance of any benchmark

Past performance is not necessarily indicative of future results.

13. Commodity Trading

Commodity-related educational material may include:

• Gold
• Silver
• Crude oil
• Natural gas
• Copper
• Base metals
• Agricultural commodities
• Commodity futures
• Commodity options
• Spread trading
• Hedging

Commodity prices can be affected by:

• Global supply and demand
• Weather
• Geopolitical developments
• Currency movements
• Interest rates
• Inventory
• Government policies
• International events
• Unexpected market disruptions

Users should independently assess the risks before participating in commodity markets.

14. Cryptocurrency and Virtual Digital Assets

Cryptocurrency and related digital assets involve substantial risks, including:

• Extreme price volatility
• Liquidity risk
• Technology risk
• Cybersecurity risk
• Wallet and private-key loss
• Exchange failure
• Counterparty risk
• Regulatory changes
• Fraud and scams
• Smart-contract vulnerabilities
• Permanent loss of assets

Educational content about Bitcoin, Ethereum, digital assets, blockchain, DeFi, tokens, stablecoins, NFTs, or other crypto-related technologies does not constitute a recommendation to purchase or trade any particular digital asset.

Users should independently verify the legal, tax, regulatory, and financial implications applicable to them.

15. Forex Trading in India

Forex-related content requires particular caution for Indian residents. Under the framework administered by the Reserve Bank of India ("RBI"), resident persons may undertake forex transactions only with authorised persons and for permitted purposes. RBI also states that permitted electronic forex transactions should be undertaken only through RBI-authorised Electronic Trading Platforms or recognised stock exchanges, subject to applicable conditions.

Accordingly: ChartWise Academy does not encourage Indian residents to trade forex through unauthorised foreign-exchange platforms or electronic trading platforms. Users should verify the regulatory status of any forex intermediary or platform before depositing funds or entering into transactions. RBI also maintains an Alert List relating to unauthorised forex entities and platforms.

Importantly, RBI states that the Alert List is not exhaustive and that absence from the list does not by itself mean that an entity is authorised. Users should therefore verify authorisation directly through appropriate official RBI resources.

16. International Markets

ChartWise Academy may provide educational content relating to international:

• Stock markets
• Futures markets
• Options markets
• Forex markets
• Commodity markets
• Cryptocurrency markets
• Other financial markets

Access to or participation in an overseas financial market may be subject to Indian laws, foreign laws, exchange controls, tax rules, broker restrictions, and other requirements. Indian residents should independently determine whether a proposed transaction is legally permitted before participating.

17. FEMA and Foreign Exchange Requirements

Indian residents may be subject to the Foreign Exchange Management Act, 1999 ("FEMA") and related regulations when dealing with foreign currency, overseas investments, overseas platforms, or foreign financial transactions.

ChartWise Academy does not provide FEMA compliance advice. Users should consult an appropriately qualified professional before undertaking transactions involving overseas entities, foreign currency, or international financial platforms.

18. Taxation

Financial-market transactions may have tax consequences. Depending on the nature of the transaction, applicable tax rules may concern:

• Capital gains
• Business income
• Securities transactions
• Derivatives
• Dividend income
• Interest
• Commodity transactions
• Cryptocurrency or Virtual Digital Assets
• Foreign exchange
• GST or other indirect taxes
• TDS/TCS
• Other applicable taxes or charges

Tax laws and interpretations can change. ChartWise Academy does not provide individualized tax advice. Users should consult a qualified Chartered Accountant, tax adviser, or other appropriately qualified professional for their circumstances.

19. Broker, Exchange and Platform Relationship

Unless expressly stated otherwise, ChartWise Academy is not:

• A stock exchange
• A clearing corporation
• A depository
• A stock broker
• A forex broker
• A commodity broker
• A cryptocurrency exchange
• An investment adviser
• A research analyst
• A portfolio manager

ChartWise Academy does not control the execution systems, pricing, order matching, margin systems, settlement systems, or policies of third-party brokers or exchanges. Users are responsible for conducting their own due diligence before opening or using any financial account.

20. Market Data

Charts, prices, market statistics, economic information, historical data, open interest, volume, volatility information, and other market data displayed or discussed by ChartWise Academy may be obtained from third-party sources. Market information may:

• Be delayed
• Contain errors
• Differ between data providers
• Change after publication
• Become outdated

Users should verify important market information with the relevant exchange, regulator, broker, or primary data source before making financial decisions.

21. No Guarantee of Accuracy or Profit

ChartWise Academy makes reasonable efforts to provide useful and accurate educational information. However, we do not guarantee that all information will always be:

• Complete
• Current
• Accurate
• Error-free
• Suitable for a particular purpose
• Available without interruption

We do not guarantee profits, investment returns, trading success, or avoidance of losses.

22. Hypothetical and Backtested Performance

Backtesting, simulations, paper trading, hypothetical trades, model portfolios, and simulated results have inherent limitations. Historical or simulated performance may differ materially from actual trading results because of:

• Slippage
• Liquidity
• Transaction costs
• Brokerage
• Taxes
• Execution limitations
• Market impact
• Data quality
• Survivorship bias
• Look-ahead bias
• Overfitting
• Selection bias
• Changing market conditions

Past or simulated performance should not be treated as a guarantee of future performance.

23. Algorithmic and Quantitative Trading

ChartWise Academy may teach:

• Quantitative analysis
• Algorithmic trading
• Statistical models
• Backtesting
• Machine learning
• Automated strategies
• Portfolio models
• Factor models
• Risk models
• Trading-system development

Educational code or models may contain errors and may not be suitable for live trading. Users are responsible for validating, testing, monitoring, and securing any algorithm or automated trading system before using it with real funds.

24. AI-Generated or Computer-Generated Content

Where artificial intelligence, statistical software, automated systems, or other computational tools are used to generate or assist educational content, users should independently verify material information. AI or automated systems may produce:

• Incorrect information
• Outdated information
• Incomplete analysis
• Incorrect calculations
• Unsupported assumptions
• Misleading conclusions

No AI-generated output should be treated as a substitute for independent financial, legal, or tax advice.

25. Financial Influencer and Promotional Disclosure

ChartWise Academy recognizes that financial education and online financial content may interact with India’s regulatory framework concerning persons providing information, recommendations, or advice relating to securities. SEBI has taken regulatory measures concerning associations between SEBI-regulated entities and persons providing securities-related advice or recommendations without appropriate registration or permission.

Accordingly, ChartWise Academy will not represent itself as a SEBI-regulated intermediary unless it actually holds the relevant registration. Any future promotional relationship, referral arrangement, sponsorship, affiliate relationship, or commercial arrangement relating to financial products or services should be appropriately disclosed and operated in accordance with applicable law.

26. Advertisements and Marketing Claims

ChartWise Academy aims to ensure that its marketing communications do not create misleading expectations regarding financial results. We do not intend to represent that:

• Trading is easy
• Trading provides guaranteed income
• A particular strategy always works
• Users can become rich quickly
• Losses can always be avoided
• Historical performance will repeat
• A course guarantees financial success

Marketing materials should be read together with the Disclaimer and Risk Disclosure.

27. Consumer Protection

Where ChartWise Academy provides paid digital courses, educational services, subscriptions, or other services to consumers, applicable consumer-protection requirements may apply. India’s Consumer Protection framework includes the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020. The Department of Consumer Affairs identifies digital products and services within the scope of the E-Commerce Rules, subject to their applicability.

ChartWise Academy aims to provide clear information concerning:

• Services
• Course descriptions
• Pricing
• Payment terms
• Refund conditions
• Cancellation conditions
• Contact information
• Applicable service terms

Users should review the relevant terms before purchasing any paid service.

28. Digital Personal Data Protection

ChartWise Academy may collect and process personal information in connection with:

• Website registration
• Course enrollment
• Payments
• Customer support
• Communications
• Analytics
• Marketing preferences
• Other legitimate Website functions

The Digital Personal Data Protection Act, 2023 and the Digital Personal Data Protection Rules, 2025 establish India’s framework for processing digital personal data. The Rules were notified in November 2025 and provide a phased implementation framework.

ChartWise Academy will implement its privacy and data-processing practices in accordance with applicable legal requirements. Please refer to our Privacy Policy for further information.

29. Data Security

ChartWise Academy takes reasonable measures to protect information under its control. However, no online service can guarantee absolute security. Users should:

• Use strong passwords
• Protect login credentials
• Avoid sharing passwords
• Use secure devices
• Beware of phishing
• Verify payment requests
• Contact ChartWise Academy through official channels if they suspect unauthorized activity

30. Scams and Impersonation

ChartWise Academy does not authorize unknown individuals to:

• Collect money on our behalf without authorization
• Promise guaranteed trading returns
• Promise guaranteed investment profits
• Request trading-account passwords
• Request OTPs
• Request private keys or cryptocurrency seed phrases
• Take custody of users’ trading funds
• Guarantee recovery of trading losses

Users should be cautious of individuals impersonating ChartWise Academy or its representatives. We recommend verifying any suspicious communication through our official support channels.

31. No Custody of User Funds

Unless expressly stated in writing and lawfully permitted, ChartWise Academy does not:

• Hold customer investment funds
• Hold customer securities
• Manage customer trading accounts
• Receive trading capital for investment
• Execute securities transactions on behalf of users
• Guarantee repayment of trading losses

Users should transfer funds only to appropriately authorized financial intermediaries and through verified payment channels.

32. Professional Advice

Nothing on ChartWise Academy should replace advice from:

• A SEBI-registered Investment Adviser, where applicable
• A SEBI-registered Research Analyst, where applicable
• A qualified Chartered Accountant
• A tax professional
• A lawyer
• An RBI-authorised entity
• Another appropriately qualified professional

Users should obtain professional advice where their circumstances require individualized analysis.

33. Regulatory Changes

Financial-market regulations can change frequently. Rules relating to:

• Securities markets
• Derivatives
• Taxation
• Cryptocurrency
• Forex
• Commodities
• Data protection
• Advertising
• Consumer protection
• Financial education

may be amended, replaced, interpreted, or supplemented by regulators and government authorities. Accordingly, educational content published by ChartWise Academy may become outdated. Users should verify current requirements with the relevant regulatory authority before acting.

34. Official Regulatory Sources

Users should verify important regulatory information directly through official sources, including:

• Securities and Exchange Board of India (SEBI) — SEBI Official Website
• Reserve Bank of India (RBI) — RBI Official Website
• Ministry of Finance, Government of India — Ministry of Finance
• Income Tax Department — Income Tax Department
• Ministry of Electronics and Information Technology (MeitY) — MeitY Official Website
• Department of Consumer Affairs — Department of Consumer Affairs

Users should rely on current official notifications, regulations, circulars, directions, and other authoritative materials rather than relying solely on educational summaries.

35. User Responsibility

By using ChartWise Academy, you acknowledge that:

• Financial markets involve risk
• Educational information is not a guarantee of financial success
• You are responsible for your own trading and investment decisions
• You should conduct independent research
• You should verify applicable laws and regulations
• You should consider your own financial circumstances
• You should not invest or trade money that you cannot afford to lose
• You should understand leverage and derivatives before using them
• You should verify third-party brokers and platforms
• You should obtain professional advice where appropriate

36. No Investor-Adviser Relationship

Your use of ChartWise Academy’s educational services does not by itself create:

• An investment-adviser relationship
• A research-client relationship
• A portfolio-management relationship
• A broker-client relationship
• A fiduciary relationship
• Any other regulated financial-services relationship

Such a relationship may arise only where lawfully established through an appropriately structured and authorized service.

37. Limitation of Liability

To the maximum extent permitted by applicable law, ChartWise Academy shall not be responsible for losses arising from financial decisions made by users based on educational material available through the Website. This includes losses resulting from:

• Trading
• Investing
• Derivatives
• Options
• Futures
• Commodities
• Cryptocurrency
• Forex
• Algorithmic strategies
• Backtested strategies
• Market data
• Third-party platforms
• Any other financial-market activity

Nothing in this disclosure is intended to exclude liability that cannot lawfully be excluded or limited.

38. Governing Law

This disclosure shall be interpreted in accordance with the laws of India, subject to applicable statutory and regulatory requirements. Any dispute shall be handled in accordance with the dispute-resolution provisions contained in the ChartWise Academy Terms & Conditions.

39. Changes to This Disclosure

ChartWise Academy may update this disclosure when:

• Laws change
• Regulations change
• Regulatory guidance changes
• New services are introduced
• Existing services change
• Our legal and compliance practices are updated

The "Last Updated" date will be revised when material changes are made. Users are encouraged to review this page periodically.

40. Contact Information

For questions concerning this Regulatory & Legal Disclosure:

41. Important Notice