Terms & Conditions

1. Acceptance of terms

By accessing or using FinBharath (“the Service”, “we”, “us”), available at finbharath.com, you agree to these Terms & Conditions. If you do not agree, do not use the Service.

FinBharath is operated by Satya Kiran (sole proprietor), based in Hyderabad, Telangana, India. References to “we” and “us” in these Terms refer to this proprietorship.

2. About the Service

FinBharath is an online educational platform offering structured finance learning content for Indian users. We offer a free tier and a paid “Pro” tier (one-time payment of ₹499 for lifetime access to current Pro content).

3. Educational content only, not investment advice

FinBharath provides educational content only. Nothing on the Service constitutes investment advice, a recommendation to buy or sell any security, or a solicitation to invest.

We are not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser, Research Analyst, or Portfolio Manager. Examples, case studies, and references to specific securities or companies are for illustration only. You should consult a SEBI-registered Investment Adviser before making any investment decision. You are solely responsible for your investment outcomes.

4. User accounts

You must provide accurate information when creating an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You must be at least 18 years old, or have parental/guardian consent, to make a payment.

5. Payment, access, and refunds

Pro access is a one-time payment of ₹499 (inclusive of applicable taxes where shown). Payments are processed by Razorpay; we do not store full card details. Once payment is verified, your account is upgraded to Pro and you receive lifetime access to the Pro content available at the time of purchase plus any future additions to Pro at our discretion.

Refunds are governed by our Refund Policy.

6. Intellectual property

All content on FinBharath (lessons, text, graphics, video, code, and design) is owned by us or our licensors and is protected by Indian and international copyright laws. You receive a personal, non-transferable, non-exclusive license to access and use the content for your own learning. You may not copy, redistribute, resell, or publicly post the content without prior written permission.

7. Acceptable use

You agree not to: (a) share your account credentials, (b) circumvent paywalls or DRM, (c) scrape, mirror, or republish content, (d) use the Service to harass others, (e) use automated tools to access the Service in a way that disrupts it, or (f) use the Service for any unlawful purpose.

8. Disclaimer of warranties

The Service is provided “as is” and “as available”. We make no warranty that the content is complete, accurate, current, or error-free. Markets and regulations change; you are responsible for verifying anything you act on.

9. Limitation of liability

To the maximum extent permitted by law, our total liability arising out of or relating to the Service shall not exceed the amount you paid us in the twelve months preceding the claim. We are not liable for indirect, incidental, consequential, or special damages, including lost profits or investment losses.

10. Termination

We may suspend or terminate your access if you breach these Terms or use the Service in a way that harms us or other users. You may stop using the Service at any time; refund eligibility is governed by our Refund Policy.

11. Governing law and jurisdiction

These Terms are governed by the laws of India. Any dispute shall be subject to the exclusive jurisdiction of the courts at Hyderabad, Telangana.

12. Changes

We may update these Terms from time to time. Material changes will be notified on the Service. Continued use after the change constitutes acceptance of the updated Terms.

13. Contact

Questions about these Terms? Reach us at raviyelisetti99@gmail.com or via our Contact page.