Terms of Service

1. Who We Are

"Karma Niti," "we," "us," and "our" refer to the operator of the Service. The Service provides access to historical alert data, signal tracking, and notification settings for subscribed users.

2. Eligibility

You must be at least 18 years old and able to enter into a binding agreement to use the Service. By accessing the Service, you represent and warrant that you meet these requirements.

3. Account Registration

• You are responsible for maintaining the confidentiality of your login credentials.
• You must provide accurate, current, and complete information.
• You are responsible for all activity that occurs under your account.

4. Subscriptions, Billing, and Renewals

• The Service is offered on annual subscription terms only.
• Subscriptions automatically renew at the end of each term unless you cancel renewal.
• You can cancel renewal at any time from your account portal. Cancellation applies to the next term.
• No refunds are provided for current or prior terms.

We offer annual terms because meaningful performance review requires time and market cycles, not overnight results. The Service is designed for disciplined, long-view users.

5. Payments and Authorization

• You authorize us and our payment processors to charge your selected payment method for fees and taxes.
• We may use third-party processors; we do not store full payment credentials.
• Payment verification may be required before access is granted.
• You are responsible for all applicable taxes, fees, or bank charges.

6. Chargebacks and Disputes

Initiating a chargeback without first contacting support may result in immediate suspension or termination of access. We reserve the right to dispute chargebacks and provide documentation to payment processors.

7. Risk Disclosure and No Investment Advice

• The Service provides informational alerts and historical data only.
• We are not a broker, dealer, or investment adviser.
• We do not execute trades, manage portfolios, or provide personalized advice.
• Past performance is not indicative of future results.

8. Data Accuracy and Availability

Alerts may be delayed, incomplete, or unavailable due to vendor, network, or system issues. We do not guarantee real-time delivery or uninterrupted access. You agree that you use the Service at your own risk.

9. Multiplatform Access

Your subscription is linked to your account and may be used across web and mobile applications. Features may differ between platforms, and the web portal serves as the primary subscription and settings hub.

10. Acceptable Use

• Do not copy, scrape, or redistribute alerts or data.
• Do not attempt to bypass access controls or security measures.
• Do not use the Service for unlawful or abusive purposes.
• Do not resell or sublicense the Service.

11. Intellectual Property

All content, data, software, and trademarks related to the Service are owned by or licensed to us. You are granted a limited, non-exclusive, non-transferable license to access the Service for personal use during an active subscription.

12. Third-Party Services

The Service may rely on third-party platforms for hosting, analytics, messaging, or payments. We are not responsible for third-party services or their terms.

13. Termination

We may suspend or terminate your access if you violate these Terms, abuse the Service, or attempt to compromise security. Termination does not entitle you to a refund.

14. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

15. Limitation of Liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, consequential, or punitive damages, or for loss of profits, data, or business opportunities arising from your use of the Service. Our total liability will not exceed the amount you paid to us in the three (3) months before the event giving rise to the claim.

16. Indemnification

You agree to defend, indemnify, and hold harmless Karma Niti and its affiliates from any claims, damages, liabilities, and expenses arising out of your use of the Service or violation of these Terms.

17. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Travis County, Texas, for any disputes arising from these Terms or the Service.

18. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will update the effective date and provide notice through the Service. Continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

19. Contact

Questions about these Terms can be sent to support@karmaniti.com.