01The agreement
By creating an account or using any part of FinlyticsLab — the website, apps, or APIs — you agree to these Terms. If you don't, please don't use the Service.
This document is a binding contract between you and FinlyticsLab Technologies Pvt. Ltd., a company registered under the Companies Act, 2013, with its registered office in Bengaluru, India.
02Who can use it
- You must be at least 18 years old and competent to contract under the Indian Contract Act, 1872.
- You must be a resident of India to link a portfolio. Non-residents can use research and analytics features only.
- You must not be on any sanctions list or barred from financial services by SEBI, RBI, or any other regulator.
03Your account
You can create an account with your email + password, or by signing in with Google (OAuth). Either way, the same Terms apply. If you use Google sign-in, your continued account access depends on you keeping your Google account in good standing — see our Privacy Policy for what data Google sends us.
Keep your password, your Google account, and any OTP-bound device safe. You're responsible for everything that happens under your account, except where someone has gained access through a confirmed FinlyticsLab security incident.
Tell us within 48 hours if you suspect unauthorised access — email security@finlyticslab.in or use the in-app "Lock my account" button.
04What's allowed
Use FinlyticsLab the way a curious investor would. Specifically:
- Build watchlists, screen stocks, compare funds, set alerts.
- Read and share our blog posts with attribution.
- Export your own data — your watchlists, alerts, and portfolio snapshots — anytime.
- Talk about us on social media. Tag us, even.
05What's not
- Don't scrape, mirror, or republish our market data feeds.
- Don't try to break authentication, rate-limits, or any other security mechanism.
- Don't use the Service to launder money, manipulate markets, or anything else that's illegal in India.
- Don't impersonate another user, a SEBI registered person, or FinlyticsLab staff.
- Don't run automated trading bots against our APIs without an explicit written agreement.
06Investment disclaimer
FinlyticsLab is a stock analytics platform. We are not a SEBI-registered investment adviser, research analyst, or portfolio manager.
Nothing on the Service — including AI-generated briefs, screeners, watchlists, or blog posts — is investment advice or a solicitation to buy or sell any security. Markets are risky and past performance does not predict future returns.
Always do your own research and consult a SEBI-registered advisor before making investment decisions. Capital is at risk.
07Fees and refunds
- The free tier is, and will remain, free for individual non-commercial use.
- Paid plans are billed monthly or annually in advance via Razorpay. GST is added at the prevailing rate.
- Cancel anytime — your plan stays active until the end of the billing period.
- Annual plans cancelled within 14 days of first purchase are fully refundable, no questions asked.
08Intellectual property
FinlyticsLab, the FinlyticsLab logo, our screener algorithms, the blog, and the design of this Service are our intellectual property.
Anything you create — watchlists, custom screeners, public comments — stays yours. By posting it on a public surface, you grant us a non-exclusive, worldwide licence to display and distribute it within the Service.
09Liability and indemnity
We work hard to keep the Service accurate and available, but we provide it on an "as-is" basis. To the maximum extent permitted by law, our aggregate liability to you is capped at the fees you've paid us in the previous 12 months, or ₹10,000, whichever is higher.
You agree to indemnify us against losses arising from your misuse of the Service or your breach of these Terms.
10Termination
You can close your account from Settings → Data → Delete account at any time.
We may suspend or terminate your account if you breach these Terms, or if we're required to by law or a regulator. Where possible, we'll give you 7 days' notice and a chance to export your data. In the case of suspected fraud or active harm, action is immediate.
11Governing law
These Terms are governed by the laws of India. Any dispute will be settled by arbitration under the Arbitration and Conciliation Act, 1996, seated in Bengaluru, with English as the language. The courts of Bengaluru have exclusive jurisdiction over all matters not subject to arbitration.