Terms and Conditions

1. About these Terms

These Terms and Conditions (“Terms”) are an agreement between you and QCyberIndia (“we”, “us”), based in Chennai, Tamil Nadu, India, which operates QFinera. They apply when you create an account or use QFinera in any way.

You accept these Terms when you tick the box at sign-up (or, after we change them, when you accept the new version in the app). We record which version you accepted and when. If you do not agree, do not use QFinera.

These Terms incorporate the Privacy Policy, Community Guidelines, Acceptable Use Policy, Voluntary Contributions Policy, Refund and Payment Error Policy and Third-Party Services and Financial Data Disclaimer.

2. What QFinera is — and is not

QFinera is a workspace to learn how investing works, research companies, industries and economies in a structured way, keep private notes and tools, and discuss ideas with other members.

QFinera is for education and research. It is not investment advice. In particular:

• QFinera does not tell you to buy, sell or hold any security and does not give personalised investment, tax or legal advice.
• QFinera does not execute trades, place orders, hold money or securities, or manage portfolios. Any broker connection is read-only.
• QFinera does not provide investment advisory or research analyst services within the meaning of the regulations of the Securities and Exchange Board of India (SEBI).
• Research, posts and comments by members are their own opinions, not ours, and are not reviewed for accuracy before they appear.

You are solely responsible for your investment decisions. Consider consulting a registered professional before making any financial decision.

3. Eligibility and your account

• You must be at least 18 years old and able to enter into a binding contract under the law that applies to you.
• One person per account. Give accurate information, including a working email address you control, and keep it up to date.
• Some features (posting, commenting, saving and publishing research) need a verified email address.
• You may not use QFinera if we previously suspended or closed your account for breaking these Terms, unless we agree otherwise.

4. Account security

• Keep your password secret and do not share your account. Use a password you don't use elsewhere.
• You are responsible for activity under your account unless it results from our failure to protect it.
• Tell us promptly at [email protected] if you think someone else has accessed your account. You can sign out of all other sessions and change your password in Settings.
• We will never ask for your password, one-time codes, broker credentials or card details by email.

5. Permitted and prohibited use

You may use QFinera for your own learning, research and discussion. You must follow the Community Guidelines and the Acceptable Use Policy. Among other things, you must not:

• present tips, calls or “guaranteed” returns as advice, promote pump-and-dump or other market manipulation, or share material non-public information;
• harass, threaten, impersonate or deceive anyone, or publish another person's personal information;
• post spam, scams, malware or links intended to harm;
• break the law, infringe others' rights, or attempt to access accounts, data or systems you are not authorised to access;
• scrape, copy or resell the service or other members' content, or overload or disrupt it.

6. Research, financial information and its limits

QFinera shows information from members and from third-party and public sources (for example company and economic data). This information may be incomplete, delayed, out of date or wrong. Calculators and templates are simplified models that depend on the assumptions you enter.

We do not verify member content or third-party data and make no promise that it is accurate, complete or suitable for any purpose. Always check original sources. Past performance does not indicate future results. See the Third-Party Services and Financial Data Disclaimer.

7. Your content and community participation

• You own what you create. Your research, notes, documents, posts and comments remain yours.
• Private content (drafts, journal, documents, sheets, watchlist, saved items) is visible only to you, and to members of a collaboration you choose to share it with.
• When you publish research, post or comment, you give QCyberIndia a non-exclusive, royalty-free, worldwide licence to host, store, display, format and distribute it within QFinera to other members, for as long as it stays on the service. This licence continues for content that remains after you delete your account (shown as “Deleted member”), as described in the Account Deletion and Data Retention.
• You confirm you have the right to share what you post, and that it does not break the law or anyone's rights. Cite your sources and disclose any position or conflict of interest that is relevant.
• Before your first post you acknowledge the Member Charter, which summarises the Community Guidelines.
• We may remove or restrict content, and suspend accounts, that break these Terms or the guidelines (see section 13). Members can report content they believe breaks the rules.

8. Our intellectual property

QFinera's software, design, text, learning material, templates and brand belong to QCyberIndia or its licensors. We give you a personal, non-transferable, revocable licence to use them through the service for your own use. You may not copy, modify, distribute, sell or reverse-engineer them except as the law allows. Exporting your own research and data is always permitted.

9. AI-assisted research

• AI features are optional and work only with an AI provider account you connect yourself (“bring your own key”). The provider processes your request under its own terms and you are responsible for your provider account and its charges.
• When you use the assistant, your question and the research context you choose are sent to that provider. Do not include information you don't want shared with it.
• AI output can be wrong, incomplete or invented. It is marked as AI-assisted where it is added to your work. Check it before relying on or publishing it; you are responsible for what you publish.

10. Connected services

Optional integrations (such as a read-only Zerodha connection, when available) are provided by third parties under their own terms. You can disconnect them at any time in Settings. QFinera can never place orders or move money through a connection. We are not responsible for the availability or accuracy of third-party services. Details: Third-Party Services and Financial Data Disclaimer.

11. Availability and changes to the service

We work to keep QFinera available and secure but do not promise that it will be uninterrupted or error-free. We may carry out maintenance, and we may add, change, suspend or remove features (including features that are switched off for everyone at times, such as contributions, uploads or analytics). Where a change materially reduces what you can do, we will try to give reasonable notice and a way to export your data.

12. Free service, membership and voluntary contributions

• QFinera is currently free. There is no paid membership or subscription, and no feature is sold. If we ever introduce a paid feature, we will publish its terms and ask for your agreement before you are charged.
• Q-Points are a non-monetary recognition system. They have no cash value and cannot be bought, sold, transferred or exchanged.
• When contributions are open, you may make a voluntary contribution to support the development and operation of QFinera. A contribution does not purchase shares, ownership, investment returns, advice or any guaranteed product benefit. See the Voluntary Contributions Policy.
• Contributions are generally non-refundable once successfully processed. Unauthorised, duplicated or incorrectly processed payments are reviewed as described in the Refund and Payment Error Policy, without affecting your rights under applicable law.

13. Privacy and data

How we collect, use, share and keep personal data is explained in the Privacy Policy and the Account Deletion and Data Retention. Cookies and optional usage analytics are explained in Cookies and Analytics.

14. Suspension and termination

• We may remove content, restrict features or suspend or close an account if it breaks these Terms or the law, puts other members or the service at risk, or if we are required to by law. Where reasonable we will tell you why. If you think we made a mistake, write to [email protected] and a person will review it.
• You can stop using QFinera at any time and delete your account in Settings.
• Sections that by their nature should continue (for example content licences for content that remains, intellectual property, disclaimers, limitation of liability and governing law) continue after termination.

15. Account deletion

You can delete your account yourself in Settings → Close account. Your private workspace is deleted and your account is anonymised; some content and records are kept, as explained in the Account Deletion and Data Retention.

16. Disclaimers

To the extent permitted by law, QFinera is provided “as is” and “as available”. We do not give any warranty that the service or any content or data on it is accurate, complete, reliable, suitable for any purpose, or that using it will produce any financial result. Nothing in these Terms excludes or limits any right or warranty that cannot be excluded or limited under applicable law, including your rights as a consumer.

17. Limitation of liability

To the extent permitted by applicable law:

• we are not liable for any investment or trading loss, or for decisions you make based on content, data or tools on QFinera;
• we are not liable for indirect or consequential loss, loss of profits, or loss of data you could reasonably have backed up (you can export your research at any time);
• our total liability to you for all claims relating to QFinera is limited to the amount, if any, you paid to us in the twelve months before the event giving rise to the claim.

Nothing in these Terms limits liability for fraud, for gross negligence or wilful misconduct, or any other liability that cannot be limited by law.

18. Your responsibility for misuse

If you break these Terms or the law through your use of QFinera, or your content infringes someone's rights, you are responsible for the resulting claims against us, to the extent permitted by law.

19. Governing law and disputes

These Terms are governed by the laws of India. Before starting any formal proceedings, please contact us at [email protected] so we can try to resolve the matter informally. Subject to any mandatory rights you have (including the right to approach a consumer commission where it applies), the courts at Chennai, Tamil Nadu have jurisdiction over disputes arising from these Terms.

20. Changes to these Terms

We may update these Terms, for example when features change or the law requires it. The date at the top shows the latest version. For material changes we will tell you in the app and ask you to accept the new version before you continue to use your account; we never record acceptance on your behalf. If you do not accept, you can export your data and delete your account.

21. Contact

Questions about these Terms, support requests and grievances: [email protected]. See Contact and Grievances for what to include.