Terms of Service

Welcome to Invest Gyan, a service provided by Merkel Tech Pvt. Ltd. ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your use of our investment analytics platform, mobile application, and related services (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

Invest Gyan provides AI-powered investment analytics, market insights, and financial tools designed specifically for the Nepal Stock Exchange (NEPSE). Our services include:

• Real-time market data and analysis
• AI-generated investment insights and recommendations
• Portfolio tracking and analytics
• News analysis and sentiment tracking
• Stock screening and comparison tools
• Educational resources and market intelligence

Account Creation

• You must be at least 18 years old to create an account
• You must provide accurate, current, and complete information
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account

Account Security

• Choose a strong, unique password for your account
• Do not share your login credentials with anyone
• Notify us immediately of any unauthorized access
• We reserve the right to suspend accounts that appear compromised

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or data
• Interfere with or disrupt the Service or servers
• Upload malicious code, viruses, or harmful content
• Scrape, copy, or redistribute our data without permission
• Create fake accounts or impersonate others
• Use automated tools to access the Service without permission
• Reverse engineer or attempt to extract source code

Our Content

The Service and its original content, features, and functionality are owned by Merkel Tech Pvt. Ltd. and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

User Content

You retain ownership of any content you submit to our Service. However, by submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, display, and distribute such content in connection with the Service.

Third-Party Content

Our Service may contain links to third-party websites or services. We do not own or control these third parties and are not responsible for their content, privacy policies, or practices.

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

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

Subscription Plans

• We offer various subscription plans with different features and pricing
• Subscription fees are billed in advance on a recurring basis
• All fees are non-refundable except as required by law
• We reserve the right to change our pricing with reasonable notice

Payment Processing

• Payments are processed by secure third-party payment processors
• You authorize us to charge your selected payment method
• You are responsible for keeping your payment information up to date
• Failed payments may result in service suspension

Cancellation

• You may cancel your subscription at any time
• Cancellation takes effect at the end of your current billing period
• No refunds are provided for partial billing periods
• You retain access to paid features until the end of your billing period

Service Availability

• We strive for 99.9% uptime but cannot guarantee uninterrupted service
• Maintenance windows may temporarily affect service availability
• Market data may be delayed or temporarily unavailable
• We reserve the right to modify or discontinue features

Accuracy of Information

• We strive for accuracy but cannot guarantee error-free information
• Market data is provided by third-party sources
• You should verify important information independently
• AI-generated insights are based on algorithms and historical data

To the maximum extent permitted by law, Merkel Tech Pvt. Ltd. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Investment losses or financial damages
• Loss of data or information
• Business interruption or system downtime
• Third-party claims or damages

Our total liability to you for any claims arising from these Terms or your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

You agree to indemnify, defend, and hold harmless Merkel Tech Pvt. Ltd., its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another person or entity
• Your content submitted to the Service

Termination by You

You may terminate your account at any time by contacting our support team or using the account deletion feature in your settings.

Termination by Us

We may terminate or suspend your account immediately, without prior notice, if you:

• Violate these Terms of Service
• Engage in fraudulent or illegal activities
• Pose a security risk to our Service or users
• Fail to pay subscription fees

Effects of Termination

Upon termination, your right to use the Service will cease immediately, and we may delete your account and data after a reasonable period.

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

Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of Nepal.

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website
• Sending you an email notification
• Displaying a prominent notice on our platform

Your continued use of the Service after the effective date of the updated Terms constitutes your acceptance of the changes.

If you have any questions about these Terms of Service, please contact us: