Terms and Conditions

1. Acceptance of Terms

By accessing and using the MS Financials website (mayasharmafinancials.in), enrolling in our courses, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2. About Our Services

MS Financials provides educational services related to stock market trading, technical analysis, and investment strategies. Our services include:

  • Online and offline trading courses
  • One-on-one mentorship programs
  • Live trading sessions and market analysis
  • Educational materials and resources
  • Community access and peer learning sessions

3. Educational Purpose Only

IMPORTANT DISCLAIMER: All content, courses, strategies, and advice provided by MS Financials are for educational purposes only. We do not provide investment advice, and nothing on our platform should be construed as a recommendation to buy or sell any financial instrument.

Trading Risks

  • Stock trading involves substantial risk of loss
  • Past performance does not guarantee future results
  • You may lose some or all of your invested capital
  • Trading decisions are your sole responsibility

4. Eligibility and Registration

Age Requirement

  • You must be at least 18 years old to enroll in our courses
  • Minors may participate only with parental consent and supervision

Registration Information

  • You must provide accurate and complete information during registration
  • You are responsible for maintaining the confidentiality of your account credentials
  • You must notify us immediately of any unauthorized use of your account

5. Course Enrollment and Payments

Course Fees

  • All course fees are clearly stated at the time of enrollment
  • Fees are non-refundable unless specified in our refund policy
  • We reserve the right to modify course fees with 30 days' notice

Payment Terms

  • Payment must be made in full before course access is granted
  • We accept payments via bank transfer, UPI, and other specified methods
  • All transactions are processed in Indian Rupees (INR)

Refund Policy

  • 7-Day Money Back Guarantee: Full refund available within 7 days of enrollment if you haven't accessed more than 20% of the course content
  • Partial Refunds: Available on a case-by-case basis for medical emergencies or other exceptional circumstances
  • No Refunds: After 30 days from enrollment date

6. Course Access and Completion

Access Rights

  • Course access is granted for the duration specified in your enrollment
  • You may not share your login credentials with others
  • Unauthorized sharing of course materials is strictly prohibited

Course Materials

  • All course materials are proprietary to MS Financials
  • You may not reproduce, distribute, or sell any course content
  • Materials are for personal use only

Technical Requirements

  • Stable internet connection required for online courses
  • Compatible device (computer, tablet, or smartphone)
  • Updated web browser for optimal experience

7. Intellectual Property Rights

Our Content

  • All content on our website and courses is protected by copyright
  • MS Financials logo, trademarks, and branding are our exclusive property
  • You may not use our intellectual property without written permission

Your Content

  • Any content you share in forums or sessions remains your property
  • You grant us a non-exclusive license to use your feedback and testimonials
  • We respect your privacy and will not share personal trading information without consent

8. User Conduct and Responsibilities

Acceptable Use

  • Use our services only for lawful purposes
  • Respect other students and instructors
  • Participate constructively in community discussions
  • Follow all trading regulations in your jurisdiction

Prohibited Activities

  • Sharing login credentials or course materials
  • Engaging in spam, harassment, or abusive behavior
  • Using our platform for illegal activities
  • Misrepresenting your trading experience or results

9. Privacy and Data Protection

Information Collection

  • We collect information necessary to provide our services
  • Your personal data is protected according to our Privacy Policy
  • We comply with applicable Indian data protection laws

Communication

  • We may send course updates, market insights, and promotional materials
  • You can opt-out of promotional communications at any time
  • Important service updates cannot be opted out of

10. Disclaimers and Limitations

No Guarantee of Profits

  • We cannot guarantee trading profits or specific results
  • Individual results vary based on many factors
  • Trading success depends on your skill, discipline, and market conditions

Market Risks

  • Financial markets are inherently risky and unpredictable
  • External factors beyond our control can affect trading outcomes
  • We are not responsible for market volatility or economic conditions

Technical Issues

  • We strive for 99% uptime but cannot guarantee uninterrupted service
  • Technical problems may occasionally affect course delivery
  • We will make reasonable efforts to resolve technical issues promptly

11. Limitation of Liability

MS Financials, its founders, instructors, and affiliates shall not be liable for:

  • Any trading losses incurred by students
  • Indirect, incidental, or consequential damages
  • Loss of profits, data, or business opportunities
  • Damages exceeding the amount paid for our services

12. Indemnification

You agree to indemnify and hold harmless MS Financials from any claims, losses, or damages arising from:

  • Your use of our services
  • Your trading activities
  • Violation of these terms
  • Infringement of third-party rights

13. Regulatory Compliance

SEBI Compliance

  • We operate as an educational institution, not a registered investment advisor
  • We do not provide SEBI-regulated investment advisory services
  • Students are responsible for their own regulatory compliance

Tax Obligations

  • Students are responsible for reporting and paying taxes on trading gains
  • We do not provide tax advice
  • Consult a tax professional for your specific situation

14. Termination

By You

  • You may terminate your enrollment by contacting our support team
  • Refunds will be processed according to our refund policy
  • You must cease using all course materials upon termination

By Us

  • We may terminate access for violation of these terms
  • We may discontinue services with 30 days' notice
  • No refunds for termination due to terms violation

15. Modifications to Terms

  • We reserve the right to modify these terms at any time
  • Changes will be posted on our website with the updated date
  • Continued use of our services constitutes acceptance of modified terms
  • Material changes will be communicated via email

16. Dispute Resolution

Governing Law

  • These terms are governed by the laws of India
  • Any disputes will be subject to the jurisdiction of courts in Kolkata, West Bengal

Resolution Process

  1. Direct Communication: Contact our support team first
  2. Mediation: We encourage mediation for unresolved disputes
  3. Arbitration: Binding arbitration as per Indian Arbitration Act, 2015
  4. Legal Action: As a last resort, through appropriate courts

17. Contact Information

For questions about these Terms and Conditions, please contact us:
MS Financials
Email: info@mayasharmafinancials.in
Phone: +91-9831352591
Address: 2nd floor 2A, 450, SN Roy Rd, Sahapur, New Alipore, Kolkata, West Bengal 700038
Website: https://mayasharmafinancials.in

18. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

19. Entire Agreement

These Terms and Conditions, along with our Privacy Policy and Course-specific terms, constitute the entire agreement between you and MS Financials.

20. Acknowledgment

By enrolling in our courses or using our services, you acknowledge that:

  • You have read and understood these terms
  • You agree to be bound by these terms
  • You understand the risks associated with trading
  • You are solely responsible for your trading decisions

Note: This document is designed to protect both MS Financials and our students. We encourage you to read it carefully and contact us if you have any questions. Trading education is our passion, and we want to ensure a positive and legally compliant experience for everyone.

Remember: We're here to educate, not to manage your money. Your trading success depends on your dedication, discipline, and continuous learning.