KuberGyan

Kubergyan: Terms of Use, Privacy Policy & Legal Disclaimer

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE USING OUR SERVICES. BY ACCESSING OUR WEBSITE, MOBILE APPLICATION, OR ANY RELATED SERVICES (COLLECTIVELY, “SERVICES”), YOU AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS.

1. Primary Disclaimer: Not a SEBI Registered Entity

Kubergyan is an independent financial education platform. It is critical for all users to understand the following:

  • Kubergyan is NOT registered with the Securities and Exchange Board of India (SEBI) as a Research Analyst, Investment Advisor, Stock Broker, or in any other capacity that requires regulatory registration.
  • Our services are strictly educational and informational in nature. We provide general knowledge about financial concepts, investment vehicles, market mechanics, and personal finance strategies.
  • No content provided by Kubergyan, including articles, videos, webinars, community forums, or any other materials, constitutes investment advice, a recommendation, or an offer to buy or sell any security or financial product.
  • We do not provide personalized investment advisory services. Any information provided is generic and not tailored to your specific financial situation, risk appetite, or investment objectives.
  • You are solely responsible for any investment decisions you make. You must consult with a qualified, SEBI-registered financial advisor before making any investment decisions. Reliance on any information from our Services is solely at your own risk.

Our Goal: Kubergyan’s mission is to promote financial literacy and education among businesses and individuals in India. We aim to build a community where members can share knowledge and guide each other towards achieving financial independence through education, not through regulated advisory services.

2. Terms of Use

By using our Services, you agree to:

  • Use the content solely for your personal, non-commercial, educational use.
  • Not copy, reproduce, distribute, or exploit any content for any commercial purpose without our express written permission.
  • Not use the community forums to provide unauthorized investment advice, spread misinformation, or engage in any fraudulent or unlawful activity.
  • Provide accurate and complete information during registration.

Kubergyan reserves the right to terminate or suspend your access to the community and Services for violation of these terms.

3. Privacy Policy: How We Use Your Data

We are committed to protecting your privacy. This policy outlines how we collect, use, and safeguard your information.

A. Information We Collect:

  • Personal Information: When you register, we may collect your name, email address, age, city, and other professional details you choose to provide.
  • Usage Data: We automatically collect information about your interaction with our Services. This includes IP address, browser type, device information, pages visited, time spent, and clickstream data.
  • Cookies and Tracking Technologies: We use first-party and third-party cookies (like Google Analytics) to:
    • Analyze website traffic and user behavior to understand how our Services are used.
    • Enhance user experience by remembering preferences.
    • Deliver targeted advertisements for our own services on other platforms (retargeting campaigns).

B. How We Use Your Information:

  • To create and manage your user account.
  • To provide, maintain, and improve our educational Services and user experience.
  • To send you administrative information, updates, security alerts, and support messages.
  • To personalize your experience by recommending relevant educational content.
  • For internal analytical purposes to understand trends and improve our content strategy.

C. Data Sharing and Third Parties:

  • We do not sell, rent, or trade your personal data to any third parties for their promotional purposes.
  • We may share your data with trusted third-party service providers who assist us in operating our website, conducting our business, or serving our users (e.g., cloud hosting providers, email service providers, analytics providers). These partners are bound by strict data confidentiality agreements.
  • We will disclose your information where required to do so by law, such to comply with a subpoena or similar legal process, or to protect our rights, property, or safety.

D. Your Rights:

You have the right to access, correct, or delete the personal information we hold about you. You can also opt-out of marketing communications at any time by using the “unsubscribe” link provided.

4. Copyright & Intellectual Property

All content on the Kubergyan platform, including text, graphics, logos, images, videos, and software, is the property of Kubergyan or its content suppliers and is protected by copyright laws under the Indian Copyright Act, 1957.

You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the content, in whole or in part, without our prior written consent.

5. Data Breach Protocol

In the unlikely event of a personal data breach, Kubergyan is committed to complying with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 under the IT Act, 2000. We will take prompt action to investigate the breach, mitigate the damage, and, where necessary and as mandated by law, notify the affected users and relevant authorities.

6. Limitation of Liability

To the fullest extent permitted by law, Kubergyan, its founders, employees, and associates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use the Services.
  • Any conduct or content of any third party on the Services.
  • Any unauthorized access to or use of our servers and/or any personal information stored therein.
  • Any investment decisions you make based on the educational content provided.

7. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of India. Any legal dispute arising out of or relating to these Terms or your use of the Services shall be subject to the exclusive jurisdiction of the courts located in [Your City, State], India.

Contact Us

If you have any questions about this Disclaimer, Terms of Use, or Privacy Policy, please contact us at:
Email: [ikubergyan@gmail.com]
Address: [Jaipur (Raj)]

By using Kubergyan’s Services, you acknowledge that you have read, understood, and agreed to be bound by all the terms and conditions outlined in this document.

DISCLAIMER ::

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE USING OUR SERVICES. BY ACCESSING OUR WEBSITE, MOBILE APPLICATION, OR ANY RELATED SERVICES (COLLECTIVELY, “SERVICES”), YOU AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS.

1. Primary Disclaimer: Not a SEBI Registered Entity

Kubergyan is an independent financial education platform. It is critical for all users to understand the following:

  • Kubergyan is NOT yet registered with the Securities and Exchange Board of India (SEBI) as a Research Analyst, Investment Advisor, Stock Broker, or in any other capacity that requires regulatory registration.
  • Our services are strictly educational and informational in nature. We provide general knowledge about financial concepts, investment vehicles, market mechanics, and personal finance strategies.
  • No content provided by Kubergyan, including articles, videos, webinars, community forums, or any other materials, constitutes investment advice, a recommendation, or an offer to buy or sell any security or financial product.
  • We do not provide personalized investment advisory services. Any information provided is generic and not tailored to your specific financial situation, risk appetite, or investment objectives.
  • You are solely responsible for any investment decisions you make. You must consult with a qualified, SEBI-registered financial advisor before making any investment decisions. Reliance on any information from our Services is solely at your own risk.

Our Goal: Kubergyan’s mission is to promote financial literacy and education among businesses and individuals in India. We aim to build a community where members can share knowledge and guide each other towards achieving financial independence through education, not through regulated advisory services.

2. Investment Guidelines & Risk Disclaimer

A. Understanding Investment Risk:
All investments, including investments in the stock market, mutual funds, and other securities, are subject to market risks. You acknowledge and understand that:

  • The value of your investments can fluctuate significantly. There is no guarantee of profits or protection against losses. You may receive back less than the amount you originally invested.
  • Past performance is not indicative of future results. Historical data and performance of securities or markets should not be construed as a promise or guarantee of future performance.
  • “High Risk, High Reward” is a fundamental principle. Instruments with the potential for higher returns (e.g., equities, derivatives) also carry a higher degree of risk.
  • Other Specific Risks Include:
    • Volatility Risk: The rate at which the price of a security increases or decreases.
    • Liquidity Risk: The risk of being unable to sell your investment readily at a reasonable price.
    • Interest Rate Risk: Especially relevant for debt instruments and bonds, as their prices are inversely related to interest rates.
    • Credit Risk: The risk of a bond issuer failing to make interest or principal payments.

B. General Investment Guidelines (For Educational Purposes Only):
Our educational content may discuss general principles of investing. These are not instructions but concepts for your knowledge:

  • Diversification: Spreading investments across different asset classes (equity, debt, gold, real estate) to mitigate risk.
  • Risk Profiling: Understanding your own capacity and willingness to bear financial loss.
  • Investment Horizon: Aligning your investments with your financial goals (short-term, medium-term, long-term).
  • Due Diligence: The importance of conducting your own research or having a registered advisor do it for you before investing.

You agree that any decision to implement these general principles is your own, and Kubergyan bears no responsibility for the outcomes.

3. Terms of Use

By using our Services, you agree to:

  • Use the content solely for your personal, non-commercial, educational use.
  • Not copy, reproduce, distribute, or exploit any content for any commercial purpose without our express written permission.
  • Not use the community forums to provide unauthorized investment advice, spread misinformation, or engage in any fraudulent or unlawful activity.
  • Provide accurate and complete information during registration.

Kubergyan reserves the right to terminate or suspend your access to the community and Services for violation of these terms.