Terms of Service

1. Acceptance of Terms

Welcome to Khandal Capital Market. By accessing and using our website, enrolling in our courses, or using any of our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms constitute a legally binding agreement between you and Khandal Capital Market ("we," "us," or "our"). We reserve the right to modify these Terms at any time, and your continued use of our services constitutes acceptance of any changes.

2. Description of Services

Khandal Capital Market provides online and offline stock market education services, including but not limited to:

• Online courses on technical analysis, fundamental analysis, and trading strategies
• Live training sessions and webinars
• Educational content and learning materials
• Personalized consultation services for HNI clients
• Market analysis and educational insights

Important Disclaimer: Our services are purely educational in nature. We do not provide investment advice, portfolio management services, or trading tips. All investment decisions should be made at your own discretion and risk.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Comply with all applicable laws and regulations

We reserve the right to refuse service, terminate accounts, or cancel enrollments at our sole discretion.

4. Course Enrollment and Payments

4.1 Enrollment Process

To enroll in a course, you must complete the registration form, provide accurate personal information, and make full payment through our authorized payment gateway (Razorpay).

4.2 Pricing and Fees

• All prices are listed in Indian Rupees (INR) and include applicable taxes
• Prices are subject to change without prior notice
• Payment must be made in full before accessing course content
• We do not offer partial payments or installment plans unless explicitly stated

4.3 Payment Processing

All payments are processed securely through Razorpay, our third-party payment gateway. By making a payment, you agree to Razorpay's terms and conditions. We do not store your complete payment card information on our servers.

4.4 Payment Confirmation

Upon successful payment, you will receive a confirmation email with enrollment details and payment receipt. Access to course materials will be granted within 24 hours of payment confirmation.

5. Refund and Cancellation Policy

Please refer to our separate Refund and Cancellation Policy for detailed information about refunds, cancellations, and related terms.

In summary:

• Refund requests must be made within the specified timeframe
• Approved refunds are processed within 3 working days
• Bank transfer time may vary (5-7 business days)
• No refunds for courses already completed or accessed

6. User Responsibilities

As a user of our services, you agree to:

• Provide accurate, current, and complete information during registration
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Use our services only for lawful purposes
• Not share, distribute, or resell course materials without permission
• Not engage in any activity that disrupts or interferes with our services
• Respect intellectual property rights of all content and materials
• Participate in courses and sessions respectfully and professionally

7. Intellectual Property Rights

7.1 Ownership

All content, materials, courses, videos, presentations, documents, and other intellectual property provided through our services are owned by Khandal Capital Market or our licensors and are protected by Indian and international copyright, trademark, and other intellectual property laws.

7.2 Limited License

Upon enrollment, we grant you a limited, non-exclusive, non-transferable license to access and use course materials solely for your personal educational purposes. This license does not include the right to:

• Copy, reproduce, or distribute course materials
• Modify, adapt, or create derivative works
• Sell, rent, lease, or sublicense course materials
• Remove copyright or proprietary notices
• Use materials for commercial purposes
• Share login credentials or course access with others

7.3 Violation of Rights

Unauthorized use of our intellectual property may result in immediate termination of your access, legal action, and liability for damages.

8. Disclaimers and Limitations

8.1 Educational Purpose Only

IMPORTANT: All our courses and services are for educational purposes only. We do not provide:

• Investment advice or recommendations
• Stock tips or trading calls
• Portfolio management services
• Guaranteed returns or profit assurances
• Financial planning or advisory services

8.2 Market Risk Disclaimer

Trading and investing in financial markets involve substantial risk and are not suitable for everyone. Past performance is not indicative of future results. You may lose some or all of your invested capital. All trading and investment decisions are your sole responsibility.

8.3 No Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties of uninterrupted or error-free service
• Warranties regarding specific outcomes or results

8.4 Limitation of Liability

To the maximum extent permitted by law, Khandal Capital Market, its instructors, employees, and affiliates shall not be liable for:

• Any trading or investment losses
• Direct, indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from use or inability to use our services
• Any third-party actions or content

Our total liability shall not exceed the amount you paid for the specific service giving rise to the claim.

9. SEBI Compliance and Regulatory Disclosure

Pranjal Sharma is a SEBI Registered Equity Derivatives Dealer (Registration Number: NISM-202500170484). However, Khandal Capital Market operates solely as an educational service provider and does not:

• Offer investment advisory services
• Manage client portfolios
• Execute trades on behalf of clients
• Provide personalized investment recommendations

All information provided is for educational purposes and should not be construed as investment advice.

10. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

11. Account Termination

11.1 Termination by You

You may terminate your account at any time by contacting us at khandalcapitalmarket@gmail.com. Termination does not entitle you to a refund unless specifically provided in our Refund Policy.

11.2 Termination by Us

We reserve the right to suspend or terminate your access to our services immediately, without prior notice, for:

• Violation of these Terms of Service
• Fraudulent or illegal activities
• Abusive behavior towards instructors or other students
• Unauthorized sharing of course materials
• Non-payment of fees
• Any conduct detrimental to our business or reputation

12. Indemnification

You agree to indemnify, defend, and hold harmless Khandal Capital Market, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of our services
• Your violation of these Terms
• Your violation of any rights of third parties
• Your trading or investment decisions
• Any false or misleading information you provide

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts in Jaipur, Rajasthan, India.

14. Dispute Resolution

In the event of any dispute or claim arising out of or relating to these Terms:

• Informal Resolution: First, contact us at khandalcapitalmarket@gmail.com to resolve the dispute informally
• Mediation: If informal resolution fails, parties agree to attempt mediation before pursuing litigation
• Arbitration: Disputes may be resolved through binding arbitration in Jaipur, Rajasthan, as per the Arbitration and Conciliation Act, 1996

15. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. We will notify you of material changes via email or prominent notice on our website.

Your continued use of our services after such modifications constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must stop using our services.

16. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Khandal Capital Market regarding our services and supersede all prior agreements and understandings.

18. Contact Information

For questions, concerns, or complaints regarding these Terms, please contact us:

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.