Terms and Conditions

1. Acceptance of Terms

By accessing MS Financial (“Company”, “We”, “Us”, “Our”), visiting mayasharmafinancials.in, enrolling in any program, or using any of our services, you confirm that you have read, understood, and agreed to these Terms and Conditions (“Terms”).

If you do not agree, please do not access or use our platform or services.

2. Nature of Services

MS Financial is a stock market education and training platform.

We provide:

  • Educational courses and learning programs

  • Concept-based explanations of stock market principles

  • Learning resources related to market structure, price behavior, risk awareness, and psychology

  • Group discussions and doubt clarification for learning purposes

❗ What We Do NOT Provide

  • Investment advice

  • Trading recommendations

  • Buy / sell / hold calls

  • Portfolio management

  • Personalized trading or investment plans

  • Guaranteed returns or performance assurances

MS Financial is NOT registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser (RIA) or Research Analyst (RA).

3. Educational Purpose Disclaimer

All content, sessions, materials, examples, discussions, and illustrations provided by MS Financial are strictly for educational purposes only.

Nothing on this platform should be interpreted as:

  • A recommendation to buy or sell securities

  • Financial, investment, tax, or legal advice

  • A promise of profits or performance

Learners are solely responsible for how they apply the knowledge gained.

4. Market Risk Disclosure

  • Stock market participation involves market risk

  • Past examples or discussions do not indicate future outcomes

  • Financial markets are volatile and unpredictable

  • You may incur losses if you choose to participate in markets

MS Financial shall not be responsible for any financial decisions or losses.

5. Eligibility

  • Users must be 18 years or older

  • Minors may enroll only with parental/guardian consent

  • Users must be legally capable of entering a binding agreement under Indian law

6. Registration & Account Responsibility

  • You must provide accurate and complete information during enrollment

  • You are responsible for maintaining confidentiality of login credentials

  • Any activity through your account is your responsibility

  • Notify us immediately of unauthorized access

7. Fees, Payments & Refunds

Course Fees

  • Fees are clearly mentioned at enrollment

  • Fees are charged only for educational services

  • Fees are not linked to performance, profits, or results

Payments

  • Payments must be completed before access is granted

  • Payments are accepted via UPI, bank transfer, payment gateways, or other approved modes

  • All payments are processed in INR

Refund Policy

  • Refunds (if applicable) are governed by the published refund policy

  • Accessed content, attendance, or misuse may disqualify refunds

  • No refunds are provided after the stated refund window

 

8. Course Access & Usage

  • Course access is granted for the specified duration only

  • Login sharing is strictly prohibited

  • Course materials are for personal educational use only

You may not:

  • Reproduce, distribute, sell, or reshare content

  • Record sessions without permission

  • Use content for commercial or public purposes

9. Intellectual Property

All website content, videos, materials, branding, logos, and course resources are the exclusive intellectual property of MS Financial.

Unauthorized use may result in:

  • Account termination

  • Legal action

  • Financial penalties where applicable

10. Community Guidelines & Conduct

Users must:

  • Maintain respectful communication

  • Avoid spam, harassment, or misinformation

  • Not solicit or provide trading tips to others

  • Not promote external products or services

Violation may lead to immediate suspension or termination without refund.

11. No Guarantees

MS Financial does not guarantee:

  • Profits

  • Accuracy

  • Trading success

  • Consistency

  • Risk-free outcomes

Learning outcomes vary by individual effort and understanding.

12. Limitation of Liability

MS Financial, its founders, instructors, team members, or affiliates shall not be liable for:

  • Any trading or investment losses

  • Indirect or consequential damages

  • Loss of capital, income, or opportunity

  • Decisions taken based on educational content

Liability, if any, shall not exceed the amount paid for the course.

13. Indemnification

You agree to indemnify and hold MS Financial harmless from claims arising due to:

  • Misuse of services

  • Violation of laws or regulations

  • Breach of these Terms

  • Third-party claims related to your actions

14. Privacy & Communication

  • Personal data is handled as per our Privacy Policy

  • We may send service-related updates

  • Promotional communication is optional and opt-out enabled

  • Important operational messages cannot be opted out

15. Termination of Access

By You

  • You may stop using services anytime

  • Refunds (if applicable) follow refund policy

By Us

  • We may suspend or terminate access for:

    • Policy violations

    • Misconduct

    • Legal or regulatory reasons

    • Platform misuse

16. Modifications to Terms

We reserve the right to update these Terms at any time.
Updated terms will be posted on the website. Continued use indicates acceptance.

17. Governing Law & Jurisdiction

These Terms are governed by laws of India.
Jurisdiction: Courts of Kolkata, West Bengal.

18. Severability

If any provision is found invalid, remaining provisions remain enforceable.

19. Entire Agreement

These Terms, along with the Privacy Policy and course-specific terms, constitute the entire agreement between you and MS Financial.

20. Acknowledgment

By enrolling or using our services, you confirm that:

  • You understand this is an education-only platform

  • You accept all market risks personally

  • You do not expect advice, tips, or guaranteed outcomes

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.