TERMS AND CONDITIONS — NIFTYORACLE

Effective Date: April 6, 2026

Last Updated: June 23, 2026

USER CONSENT

By tapping "Continue with Google" or "Continue with Email" on the NiftyOracle login screen, you confirm that you have read, understood, and agree to be bound by our Privacy Policy, Terms and Conditions, Cancellation and Refund Policy, and Shipping Policy. If you do not agree, please do not use the App.

IMPORTANT TRADEMARK AND AFFILIATION DISCLAIMER

"Nifty 50," "Nifty Bank," and all Nifty index names are registered trademarks of NSE Indices Limited, a subsidiary of the National Stock Exchange of India Limited. NiftyOracle is a completely independent application developed by Dev Malkar. NiftyOracle is NOT affiliated with, endorsed by, sponsored by, authorized by, or officially connected to NSE Indices Limited, National Stock Exchange of India Limited, BSE Limited, SEBI, or any government body or financial institution in any manner whatsoever. The use of "Nifty" in our name is purely descriptive — identifying the Nifty 50 index as the subject of analysis — and does not constitute any claim over NSE's registered trademark. "Oracle" is used in its common English dictionary meaning of a source of analytical information and does not reference Oracle Corporation or any other entity.

1. Acceptance of Terms

By installing, registering for, or using the NiftyOracle mobile application, You expressly agree to be bound by these Terms and Conditions. These Terms constitute a valid and enforceable contract under the Indian Contract Act 1872 and the Information Technology Act 2000.

IF YOU DO NOT AGREE TO THESE TERMS — DO NOT USE THIS APP. UNINSTALL IMMEDIATELY.

2. App Description and Nature of Service

NiftyOracle is a proprietary algorithmic market analysis tool developed exclusively for analysis of the Nifty 50 index of the National Stock Exchange of India.

The App Provides:

•Live Nifty 50 price data updated every few seconds via AWS Mumbai server using Angel One SmartAPI

•Full live option chain with real-time OI, IV and Greeks

•Gamma Exposure (GEX) analysis

•IV Skew monitoring

•OI Buildup signals

•Live daily chart with real-time price updates

•Put-Call Ratio analysis and option chain data

•India VIX volatility monitoring

•FII and DII institutional flow data

•Technical indicator readings including RSI, MACD, ADX, Supertrend

•Algorithmic directional signals: BULLISH, BEARISH, NEUTRAL

•92-factor weighted scoring across 7 market categories

•9 dynamic market regime detection

The App Does NOT Provide:

•Personalized investment advice of any kind

•Recommendations to buy or sell any specific stock or security

•Portfolio management services

•Trade execution services

•Financial planning services

•SEBI registered research analysis

•Guaranteed returns of any nature

Critical Acknowledgment: You acknowledge and confirm that NiftyOracle is a technical data analysis tool only and is NOT a substitute for professional financial advice from a SEBI registered Investment Adviser or Research Analyst.

3. User Eligibility

To use this App You must meet ALL of the following criteria:

•You must be 18 years of age or older

•You must have the legal capacity to enter into a binding contract under Indian law

•You must not be prohibited from using securities-related software by any regulatory authority including SEBI, RBI, MeitY, or any court of competent jurisdiction

•You must be using this App for personal informational reference only — not for redistribution of signals

By using the App You confirm that You meet all eligibility criteria stated above.

4. Subscription Plans and Pricing

All plans including Free Trial provide

full access to:

→ Complete 92-factor algorithmic signal engine

→ BULLISH / BEARISH / NEUTRAL signals

→ Real-time FII and DII institutional data

→ Live PCR and full option chain analysis

→ All 7 category scores and breakdowns

→ Trade setup levels with entry and targets

→ 9 dynamic market regime detection

→ India VIX analytics and term structure

→ Global market summary

→ India macro economic summary

→ Market alerts and push notifications

→ 7-day signal trend history

All prices are INCLUSIVE of applicable taxes.

Developer reserves right to revise pricing with 30 days prior notice. Existing subscribers not affected until their current period ends.

4A. FREE TRIAL TERMS

4A.1 Every new user receives a one-time 7-day free trial upon first registration on NiftyOracle. All premium features are fully accessible during the trial at no charge whatsoever.

4A.2 The free trial is strictly available only ONCE per user. Creating multiple accounts to obtain multiple free trials is prohibited and will result in permanent account ban without any refund or notice.

4A.3 After the free trial expires a paid subscription plan is required to continue accessing all premium features including signals, FII/DII data, PCR analysis, and all 7 category scores.

4A.4 No credit card or payment information is required during the free trial period.

4A.5 The Developer reserves the right to modify or discontinue the free trial offer at any time with reasonable prior notice to existing and new users.

4A.6 During the free trial period, all premium features including Analysis Screen, Trade Setup, and Oracle Signals are fully accessible at no cost. No payment information is required during the free trial period.

4A.7 Free trial users are subject to the same single-device login policy as premium subscribers.

5. PAYMENT TERMS

5.1 Payment Gateway: All payments processed by Razorpay Software Pvt Ltd, licensed by RBI. We accept: UPI, Credit/Debit Cards, Net Banking, and Wallets.

5.2 No Auto-Renewal: NiftyOracle subscriptions do NOT auto-renew. Manual renewal required. You will be notified 7 days before expiry via push notification and email.

5.3 Payment Security: NiftyOracle does not store any payment credentials. All payment data is secured by Razorpay's PCI-DSS compliant infrastructure.

5.4 Payment Failure: If payment fails, no amount is deducted. In case of duplicate deduction, full refund processed within 5-7 business days.

5.5 Phone Number Requirement: A valid mobile number is required to complete payment as per RBI digital payment guidelines for Indian transactions..

6. Refund and Cancellation Policy

6.1 Cancellation Right: You may cancel your subscription at any time. Upon cancellation You retain full access to Premium features until the end of the current paid billing cycle.

6.2 No Mid-Cycle Refunds: In accordance with the Consumer Protection E-Commerce Rules 2020, refunds for digital subscription products are generally not provided for mid-cycle cancellations.

6.3 Exception for Technical Defect: A refund will be considered only if a verified technical defect renders the App completely unusable for more than 48 consecutive hours AND the Developer is unable to provide a resolution within that period. All such refund claims must be submitted by email to niftyoracle.in@gmail.com with payment proof. Verified refunds processed within 5-7 business days via Razorpay.

6.4 Dispute Window: For any billing dispute contact niftyoracle.in@gmail.com within 7 days of the disputed charge.

7. Free Tier vs Premium Tier

The Free Tier provides basic market data for general awareness only. The Premium Tier provides access to the complete Zero AI Algorithmic Scoring Engine with all 92 factors, 9 regimes, and full signal details. The Developer reserves the right to modify features assigned to each tier at any time to ensure compliance with SEBI guidelines or to optimize performance, with reasonable notice to users.

7A. SINGLE DEVICE POLICY

7A.1 NiftyOracle subscription is valid for use on ONE device at a time.

7A.2 Logging in on a new device will automatically terminate the session on your previous device.

7A.3 Sharing account credentials with another person is strictly prohibited and constitutes a violation of these Terms.

7A.4 NiftyOracle reserves the right to terminate accounts found to be used on multiple devices simultaneously or accounts found to be sharing credentials with unauthorized users.

7A.5 Account termination due to violation of single-device policy will result in no refund for remaining subscription period.

7B. CONTENT PROTECTION POLICY

7B.1 NiftyOracle's Oracle Signal, Trade Setup, Analysis Screen, and all premium content are protected by copyright and constitute proprietary data.

7B.2 Users are strictly prohibited from:

• Sharing screenshots of signals with non-subscribers

• Broadcasting trade setups to third parties for commercial gain

• Distributing signal data through social media, WhatsApp, Telegram, or any other platform

• Using NiftyOracle signals to provide paid advisory services

7B.3 Violation consequences:

• Immediate account termination

• No refund for the remaining period

• Legal action under IT Act 2000 and Copyright Act 1957

7B.4 NiftyOracle implements technical measures including Android FLAG_SECURE to prevent unauthorized screen capture. Attempts to bypass these protections violate these Terms and applicable law.

8. Prohibited Uses

You agree that You shall NOT under any circumstances:

•Use the App for any purpose unlawful under Indian law or prohibited by SEBI, NSE, RBI, or any regulatory body

•Reverse engineer, decompile, disassemble, or attempt to derive the source code or algorithmic logic of NiftyOracle

•Share your Premium account credentials with any third party under any circumstance

•Use the App to broadcast, redistribute, resell, or commercially distribute algorithmic signals to any other person or platform

•Conduct automated data scraping, mining, or unauthorized extraction of market data from the App

•Use signals from this App to claim you are providing investment advisory services to others

•Misrepresent NiftyOracle signals as your own original research or advice

•Use the App in any way that implies official affiliation with NSE, SEBI, or any government body

•Use the App for virtual trading, gaming, or simulation activities in violation of NSE Terms of Use

Violation of any prohibited use will result in immediate permanent account termination without any refund.

9. Intellectual Property Rights

All rights, titles, and interests in NiftyOracle — including the Zero AI algorithmic scoring engine, the 92-factor market analysis framework, 9-regime detection system, user interface design, proprietary scoring methodology, brand name NiftyOracle, logo, and all associated branding — are the exclusive intellectual property of Dev Malkar.

Your use of the App constitutes a limited, personal, non-exclusive, non-transferable, revocable license to use the App for your own personal trading reference only. This license grants you zero ownership rights of any kind.

Third-party trademarks referenced in this App — including "Nifty 50" owned by NSE Indices Limited — remain the property of their respective owners. NiftyOracle makes no claim over any such third-party intellectual property.

10. CRITICAL SEBI COMPLIANCE DISCLAIMER

THIS SECTION IS MANDATORY AND LEGALLY BINDING. READ EVERY POINT CAREFULLY.

10.1 Not SEBI Registered

Dev Malkar, the Developer of NiftyOracle, is NOT registered with the Securities and Exchange Board of India as an Investment Adviser under SEBI Investment Advisers Regulations 2013, nor as a Research Analyst under SEBI Research Analysts Regulations 2014, nor under any other SEBI regulatory category.

10.2 Not Investment Advice

The BULLISH, BEARISH, and NEUTRAL signals generated by NiftyOracle are the mathematical output of a proprietary deterministic algorithm. They are NOT investment advice, buy or sell recommendations, trading tips, research reports, or any form of financial guidance as defined under Indian law or SEBI regulations.

10.3 Not Affiliated With NSE or SEBI

NiftyOracle is completely independent. It is NOT affiliated with, endorsed by, or connected to NSE Indices Limited, National Stock Exchange of India Limited, BSE Limited, SEBI, RBI, or any government body or official financial institution.

10.4 Not Personalized

All signals are generated for the Nifty 50 index broadly. They are NOT personalized to your individual financial situation, risk tolerance, investment goals, income, net worth, or financial capacity in any manner.

10.5 Zero AI — Pure Algorithm

NiftyOracle uses ZERO Artificial Intelligence, Zero Machine Learning, and Zero Large Language Models. All signals are produced by 100% deterministic mathematical computations applied to real market data in real time. The algorithm does not learn, adapt, or modify its behavior based on user data or market outcomes.

10.6 No Returns Guaranteed

Past performance of the algorithmic signals does not guarantee future results. No financial returns, profits, or outcomes of any kind are guaranteed. The Indian securities market is subject to extreme risks including loss of entire invested capital.

10.7 Black Swan Events

The NiftyOracle algorithm cannot predict or account for sudden geopolitical events, government policy changes, natural disasters, global pandemics, exchange circuit breakers, trading halts, or any event with no historical mathematical precedent. During such events signals may be inaccurate or unavailable and the Developer accepts zero liability.

10.8 User's Complete Responsibility

You assume total and complete responsibility for all your trading decisions and any resulting financial gains or losses. The Developer Deepak Malkar shall have absolutely zero liability for any financial injury — direct, indirect, incidental, or consequential — arising from your use of or reliance on any signal, data, or information provided by NiftyOracle.

10.9 Mandatory Professional Advice

The Developer strongly recommends that You consult a SEBI registered Investment Adviser before making any trading or investment decision. NiftyOracle is a supplementary analytical tool only — not a replacement for professional financial advice.

11. Data Accuracy Disclaimer

While market data is sourced from licensed providers including Angel One SmartAPI, Yahoo Finance, and FRED API, the Developer does not warrant that data will be real-time, continuous, uninterrupted, complete, or error-free. All market data is provided on an as-is and as-available basis. The Developer is not responsible for any loss or decision arising from data delays, transmission errors, API failures, or temporary unavailability of any data feed.

12. Algorithmic Limitation Disclaimer

The NiftyOracle algorithm is based on historical mathematical correlations applied to live market data. Its limitations include but are not limited to:

•Cannot predict Black Swan events with no historical precedent

•Cannot predict sudden government policy announcements

•Cannot predict RBI or SEBI emergency interventions

•Cannot account for exchange circuit breakers or trading halts

•Cannot predict geopolitical crises, natural disasters, or global pandemics

•May produce inaccurate signals during extreme market volatility outside standard statistical models

•Signal accuracy depends on quality and timeliness of data from third-party vendors

The Developer accepts zero liability for losses occurring due to any of these limitations.

13. No Guarantee of Service Availability

The Developer does not guarantee 100% uptime or continuous availability of the App or its data feeds. Service may be temporarily suspended for scheduled maintenance, security updates, SEBI or Google Play compliance requirements, or due to failures in third-party infrastructure including Angel One, Cloudflare, Yahoo Finance, or Firebase. The Developer is not liable for any loss incurred during periods of service unavailability.

14. Limitation of Liability

To the fullest extent permitted by applicable Indian law, the Developer's total maximum aggregate liability to You for any and all claims arising from your use of NiftyOracle — whether in contract, tort, negligence, or otherwise — is strictly limited to the total subscription fee actually paid by You for the current calendar month, Which shall not in any event exceed the total subscription fee paid by You in the current subscription period, not exceeding Rs 1,499 (Rupees One Thousand Four Hundred and Ninety Nine).

Under no circumstances shall the Developer be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages including but not limited to loss of trading profits, loss of invested capital, loss of data, or loss of business opportunity — even if the Developer has been advised of the possibility of such damages.

15. Indemnification by User

You agree to fully indemnify, defend, and hold completely harmless Dev Malkar, his representatives, successors, and associates from and against any and all claims, demands, legal proceedings, regulatory notices, liabilities, damages, losses, costs, and expenses including reasonable legal fees arising from:

•Your breach of any provision of these Terms

•Your violation of any applicable Indian law including SEBI, RBI, or MeitY regulations

•Your misuse of the App or its algorithmic outputs for prohibited purposes

•Any third-party claim arising from your trading decisions based on App signals

•Your misrepresentation of App signals as investment advice to others

•Your claim of affiliation with NSE, SEBI, or any government body using this App

16. Account Termination

The Developer reserves the right to immediately and permanently suspend or terminate your access to NiftyOracle without prior notice or refund if:

You violate any clause of these Terms

You engage in fraudulent billing or unauthorized account sharing

You attempt to reverse engineer or misappropriate the algorithmic engine

You redistribute signals commercially without authorization

Termination is required by any competent regulatory authority including SEBI, RBI, MeitY, NSE, or any court of law

17. Governing Law

These Terms and all disputes arising from your use of NiftyOracle are governed exclusively by the laws of the Republic of India. The Indian Contract Act 1872, Information Technology Act 2000, Consumer Protection Act 2019, Digital Personal Data Protection Act 2023, and all applicable SEBI and RBI regulations shall apply.

18. Dispute Resolution

18.1 Grievance First: All disputes must first be raised through the Grievance Redressal Mechanism by emailing niftyoracle.in@gmail.com. The Developer will acknowledge within 24 hours and attempt resolution within 15 days.

18.2 Arbitration: If the dispute remains unresolved after the grievance process, it shall be submitted to binding arbitration in Chhatrapati Sambhajinagar, Maharashtra, India under the Arbitration and Conciliation Act 1996. The arbitration shall be conducted in English or Hindi as mutually agreed.

18.3 Exclusive Jurisdiction: Subject to the arbitration clause above, the courts of Chhatrapati Sambhajinagar, Maharashtra shall have exclusive jurisdiction over all matters relating to NiftyOracle.

19. Modifications to Terms

The Developer may update these Terms at any time to reflect changes in law, app features, SEBI guidelines, or business operations. Users will be notified of material changes via in-app notification or email at least 7 days before changes take effect. Continued use of the App after the effective date of changes constitutes your acceptance of the updated Terms.

20. Contact and Grievance Officer

Developer Name:    Dev Malkar

Business: NiftyOracle

Owner Name:   Deepakkumar Malkar

Business Email:   niftyoracle.in@gmail.com

Registration:   Udyam MSME Certificate

UDYAM REGISTRATION NUMBER:  UDYAM-MH-04-0301682

Location:           Chhatrapati Sambhajinagar,

                    Maharashtra, India

Grievance Officer:  Dev Malkar

Acknowledgment:     Within 24 hours

Resolution:         Within 15 days

21. Entire Agreement

These Terms and Conditions together with the Privacy Policy constitute the entire agreement between You and Dev Malkar regarding NiftyOracle and supersede all prior agreements, representations, understandings, or communications whether oral or written.

22. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by any competent court or regulatory authority, the remaining provisions shall continue in full force and effect without any modification.

23. Waiver

No failure or delay by the Developer in exercising any right under these Terms shall constitute a waiver of that right. Any waiver must be explicit and in writing.

24. Force Majeure

The Developer shall not be liable for any failure or delay in performance caused by circumstances beyond reasonable control including natural disasters, government actions, pandemic, internet failures, exchange closures, regulatory changes, or any act of God.