Terms & Conditions

This document is an electronic record in terms of the Information Technology Act, 2000 and the rules thereunder as applicable, and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy, and Terms of Use for access or usage of the domain name https://investory.win/ (‘Website’), including the related application (hereinafter referred to as the ‘Platform’).

The Platform is owned and operated by Investory, a sole proprietorship (hereinafter referred to as the ‘Platform Owner’, ‘we’, ‘us’, ‘our’). Your use of the Platform and its services and tools is governed by these terms and conditions (“Terms of Use”), including the applicable policies that are incorporated herein by reference. By using the Platform you contract with the Platform Owner, and these Terms constitute your binding obligations. These Terms can be modified at any time without assigning any reason; it is your responsibility to periodically review them to stay informed of updates. Wherever the context so requires, ‘you’, ‘your’, or ‘user’ means any natural or legal person who uses the Platform.

ACCESSING, BROWSING, OR OTHERWISE USING THE PLATFORM INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS UNDER THESE TERMS OF USE, SO PLEASE READ THEM CAREFULLY BEFORE PROCEEDING.

1. Account & accurate information

To access and use the Services, you agree to provide true, accurate, and complete information during and after registration, and you are responsible for all acts done through your registered account on the Platform, including keeping your login credentials secure.

2. No warranty on information

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness, or suitability of the information, scores, summaries, and materials offered through the Services for any specific purpose. You acknowledge that such information may contain inaccuracies or errors (including errors in third-party market data we rely on), and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. Your use of the Services is solely at your own risk and discretion, and you are required to independently assess that the Services meet your requirements.

3. No investment advice

All data, scores, health ratings, summaries, and content made available through the Platform are provided strictly for informational, educational, and analytical purposes. The Platform Owner is not a SEBI-registered Investment Adviser, Research Analyst, or Portfolio Manager, and nothing provided through the Services constitutes financial, legal, investment, or trading advice, or a recommendation, offer, or solicitation to buy or sell any security. Investory does not execute trades and does not custody your money or securities. Any trading or financial decisions you make on the basis of the Services are taken solely at your own risk.

4. Market data & third-party sources

The fundamentals, prices, and other figures shown for your holdings are sourced from third-party market-data providers and public statutory and regulatory disclosures. Such data may be end-of-day, historical, cached, delayed, incomplete, or temporarily unavailable, and may be subject to the rights and terms of the underlying source. We do not claim to provide real-time, live, or tick-by-tick market data, and your use of any third-party data remains subject to that source’s applicable terms.

5. Importing holdings & broker connections

You may import your holdings by uploading a broker export (CSV/PDF/Excel) or by connecting a supported broker via OAuth. Any broker connection is read-only: it can be used only to view your holdings, never to place trades, withdraw funds, or modify your broker account. We store only a temporary read-only token and never your broker password. You are responsible for ensuring you have the right to upload any file you provide, and for the accuracy of the holdings you import. You can disconnect a broker or delete imported data at any time from your dashboard.

6. Intellectual property

The contents of the Platform and the Services — including the design, layout, look, graphics, scoring methodology, and software — are proprietary to or licensed by us. You acquire no intellectual-property right, title, or interest in them, other than the limited right to use the Services as permitted by these Terms.

7. Pricing, plans & subscription changes

We may introduce, modify, or discontinue subscription plans, and may revise pricing, plan limits (such as the number of portfolios, holdings, or uploads), included features, and other plan entitlements from time to time. Current pricing and plan entitlements are displayed on our Pricing page. Changes to pricing generally apply to new subscriptions and to renewals occurring after the effective date, rather than to the price of a subscription already in effect. We will provide reasonable notice of material changes affecting existing paid subscriptions where required by applicable law. If you do not agree to a change, your remedy is to cancel the applicable subscription.

8. Fees, billing, refunds & cancellation

Paid plans are billed in advance on a recurring basis for the applicable billing cycle. By subscribing you authorise us and our payment processor to charge the applicable fees to your selected payment method for each cycle until you cancel. You may cancel at any time from your dashboard or by contacting us; on cancellation, your paid access continues until the end of the then-current, already-paid billing cycle and then reverts to the Free plan, with no further renewal. Because the Services are a digital subscription delivered and consumed immediately, fees already paid are generally non-refundable and we do not, as a rule, provide pro-rated refunds for partial billing periods — subject in all cases to our separately published Refund and Cancellation Policy and to your mandatory statutory consumer rights, which prevail over anything in these Terms. All prices are stated exclusive of tax; applicable taxes (including GST for India) are added at checkout, so the total charged may be higher than the advertised price.

9. Payments & third-party processor

Payments for paid plans are collected through our third-party payment processor and authorised reseller acting as Merchant of Record (Paddle). Your use of a payment method is also subject to Paddle’s terms and privacy policy, and the contract of sale for a transaction may be with the reseller. We do not store your full card or bank credentials. Recurring charges are made under a mandate you authorise with the processor (for example, UPI Autopay or a card e-mandate), subject to that processor’s and the applicable payment-network / RBI rules; certain plan changes may therefore take effect on your next renewal rather than immediately. Billing disputes and chargebacks may be handled through the processor / Merchant of Record.

10. Service availability

The Services are provided on an “as available” basis. While we aim to keep the Services accessible, we do not guarantee uninterrupted, error-free, or continuous availability, and we make no commitment to any particular uptime unless expressly agreed in a separate written service-level agreement. The Services may be unavailable, degraded, delayed, or interrupted due to maintenance; failures or changes at upstream data sources, exchanges, regulators, or other third-party providers; infrastructure or network failures; events outside our reasonable control; or suspension of your access in accordance with these Terms. Except as provided in our Refund and Cancellation Policy or as required by your mandatory statutory rights, an outage or period of unavailability does not automatically entitle you to a refund, credit, or fee reduction.

11. Acceptable use

You agree that you will not, and will not permit any third party to: attempt to circumvent, disable, or exceed any limit, quota, authentication, or access control of the Services; create multiple accounts to evade limits, pricing, or a suspension; access the Services by any means other than the provided interface, or reverse engineer, decompile, or attempt to derive source code or non-public aspects of the Services; introduce malware or interfere with, disrupt, probe, or place undue load on the Services or their infrastructure; or use the Services for any unlawful, infringing, deceptive, or fraudulent purpose, or in violation of any applicable law or third-party right. We may investigate suspected violations and take any action permitted under the Suspension & Termination clause.

12. Suspension & termination

We may, at our sole discretion and with or without prior notice, suspend, restrict, or terminate your account or your access to the Services (in whole or in part) if we reasonably believe that you have breached these Terms or any applicable policy; that your use is abusive, fraudulent, unlawful, or poses a security, legal, or operational risk; that payment has failed, lapsed, or been charged back; that suspension or termination is required to comply with law or a third-party requirement; or that you have exceeded or attempted to circumvent your plan’s limits. On termination, your right to access the Services ceases immediately. Termination for cause does not entitle you to any refund of fees already paid. You may terminate by ceasing use of the Services and cancelling any subscription. Clauses which by their nature should survive termination (including intellectual-property, disclaimer, limitation-of-liability, indemnity, and governing-law provisions) survive.

13. Limitation of liability

To the maximum extent permitted by applicable law, in no event shall the Platform Owner be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for any loss of profits, trading or investment losses, revenue, data, or goodwill, arising out of or in connection with your use of (or inability to use) the Platform or the Services, even if advised of the possibility of such damages. In all cases, the Platform Owner’s aggregate liability arising out of or relating to these Terms or the Services shall not exceed the total amount actually paid by you to the Platform Owner for the Services during the three (3) months immediately preceding the event giving rise to the claim.

14. Indemnity

You shall indemnify and hold harmless the Platform Owner, its affiliates, and their respective officers, directors, agents, and employees from any claim or demand, or actions including reasonable attorney’s fees, made by any third party or penalty imposed due to or arising out of your breach of these Terms of Use, the Privacy Policy, or other policies, or your violation of any law, rules, or regulations or the rights (including infringement of intellectual-property rights) of a third party.

15. Third-party links & force majeure

The Platform may contain links to third-party websites; on accessing those links you will be governed by the terms and privacy policies of those third parties. Notwithstanding anything in these Terms, the parties shall not be liable for any failure to perform an obligation where performance is prevented or delayed by a force-majeure event.

16. Privacy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference and describes what personal and portfolio information we collect, how we use and retain it, and your rights in respect of it. By using the Services you consent to the processing described there.

17. Assignment, severability & waiver

You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent, and any attempt to do so is void. We may assign or transfer these Terms to an affiliate or successor, including in connection with a merger, acquisition, reorganisation, or sale of assets. If any provision of these Terms is held invalid or unenforceable, it shall be enforced to the maximum extent permissible and the remaining provisions shall continue in full force and effect. Our failure or delay in exercising any right shall not constitute a waiver of it.

18. Entire agreement

These Terms of Use, together with the policies incorporated by reference (including the Privacy Policy and the Refund and Cancellation Policy), constitute the entire agreement between you and the Platform Owner regarding the Services and supersede all prior or contemporaneous understandings on the subject.

19. Governing law, dispute resolution & jurisdiction

These Terms and any dispute or claim relating to them, or their enforceability, shall be governed by and construed in accordance with the laws of India. Before commencing formal proceedings, the parties shall first attempt in good faith to resolve any dispute through direct negotiation for a period of at least thirty (30) days from written notice of the dispute. If unresolved, the dispute shall be referred to and finally resolved by binding arbitration under the Arbitration and Conciliation Act, 1996 (as amended), conducted by a sole arbitrator, with the seat and venue at Hyderabad, Telangana, India and the language English. The award shall be final and binding. Nothing prevents either party from seeking urgent interim or injunctive relief from a court of competent jurisdiction. Subject to the arbitration clause, all disputes shall be subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana.

Contact us

All concerns or communications relating to these Terms must be communicated to us at [email protected].