Terms & Conditions

Preamble

These Terms and Conditions ("Terms") govern your access to and use of the website located at skeptix.in (the "Website") and all products, software, and services supplied by SKEPTIX.

Please read these Terms carefully before using the Website or engaging our services. By accessing the Website, submitting an enquiry, or placing an order, you confirm that you have read, understood, and agreed to be bound by these Terms.

If you do not agree with any part of these Terms, please do not use the Website or engage our services.

1. Definitions

1.1 "SKEPTIX", "we", "us", "our" means [full legal entity name and constitution — pending SKEPTIX], having its principal place of business at [complete address, city, PIN code — pending SKEPTIX], Gujarat, India.

1.2 "Website" means skeptix.in, including all its sub-directories, pages, forms, and the insights/blog section.

1.3 "You", "your", "Client", "Customer", "User" means any individual or legal entity that accesses the Website, submits an enquiry through any channel, requests a quotation, or purchases or commissions any product or service from SKEPTIX.

1.4 "Consumer" means an individual who acquires a product or service for personal use and for purposes wholly or mainly outside their trade, business, craft or profession.

1.5 "Business Client" means any customer who is not a Consumer, including companies, firms, partnerships, proprietorships, and individuals acquiring for business purposes.

1.6 "Indicator" means a custom-developed analytical charting tool that displays, plots, highlights or visualises price, volume, time or derived chart data on a charting platform.

1.7 "Product" means any item of software supplied under the Global Track, including ready-made indicators, custom indicators, trading strategies, automated trading programs, and automation utilities.

1.8 "Services" means development, licensing, delivery, support, and web development activities described in these Terms.

1.9 "Deliverable" means any file, script, source code, compiled program, documentation, design, website, or other work product supplied by SKEPTIX to you.

1.10 "Track" means one of the three distinct business lines operated by SKEPTIX: the India Track (Part A), the Global Track (Part B), and the Web Development Track (Part C).

1.11 "Order" means an accepted, confirmed engagement for a Product or Service, formed in accordance with Clause 6.

1.12 "Scope" means the written description of work agreed between you and SKEPTIX before development begins.

1.13 "Platform" means a third-party charting, trading or hosting environment, including but not limited to TradingView and MetaTrader 5.

1.14 "Writing" and "written" include email and WhatsApp messages exchanged between you and SKEPTIX, save where these Terms expressly require a signed document.

2. Acceptance, Eligibility and Contract Formation

2.1 You accept these Terms by any of the following: (a) ticking the acceptance checkbox presented on any enquiry or request form on the Website; (b) confirming acceptance in writing when placing an Order; or (c) making any payment to SKEPTIX in respect of a Product or Service.

2.2 These Terms constitute a valid and binding electronic contract. Your electronic acceptance has the same legal effect as a physical signature, and you will not dispute the validity of this agreement solely on the ground that it was concluded electronically.

2.3 You must be at least 18 years of age. By accepting these Terms you represent and warrant that you are 18 or older. If we become aware that a customer is under 18, we may terminate the engagement and cancel any licence issued.

2.4 You represent that you have full legal capacity and authority to enter into this agreement. If you accept these Terms on behalf of a company, firm or other entity, you represent that you are authorised to bind that entity, and "you" refers to that entity.

2.5 You must provide accurate, current and complete information in any enquiry, form or communication. SKEPTIX is not responsible for any delay, failure of delivery, or incorrect licence issuance arising from inaccurate information supplied by you.

2.6 You represent that your use of our Products and Services is lawful in your country of residence and in any jurisdiction from which you access the Website, and that you are not subject to any restriction that prohibits you from receiving our Products or Services.

3. About SKEPTIX — Nature of Our Business

3.1 We are a software developer. SKEPTIX is a software development and technology company. We design, build, license and support computer programs and websites.

3.2 What we are not. SKEPTIX is not, and does not hold itself out as being, any of the following:

• a SEBI-registered Investment Adviser;
• a SEBI-registered Research Analyst;
• a stockbroker, sub-broker, trading member, clearing member or authorised person;
• a portfolio manager or fund manager;
• a depository participant;
• a registered intermediary of any kind with any securities regulator in any jurisdiction;
• a bank, non-banking financial company or financial institution;
• a commodity trading advisor, commodity pool operator or introducing broker in any jurisdiction.

3.3 No advice. Nothing on the Website, in any Deliverable, documentation, blog or insights article, or in any communication from SKEPTIX constitutes investment, financial, trading, legal or taxation advice, or a recommendation, solicitation or inducement to buy, sell or hold any security, instrument, contract or asset.

3.4 No handling of funds. SKEPTIX does not accept, hold, manage, pool, invest or have access to client funds or client trading accounts. All payments received are fees for software development, licensing, or services rendered.

3.5 No discretion. SKEPTIX does not exercise, and will never accept, any discretionary authority over your trading account, your capital or your decisions.

3.6 Independent decisions. All decisions you take, in any market and by any method, are your own independent decisions taken at your own discretion, on your own analysis, and at your own risk.

4. Structure of these Terms

4.1 SKEPTIX operates three distinct tracks with materially different offerings, obligations and risk profiles:

4.2 You are bound by Part 0 and by the Part applicable to the Track under which you engage us. If you engage us under more than one Track, each engagement is governed by its own Part.

4.3 The Tracks are separate. Nothing offered under one Track is available under another Track merely because it appears elsewhere on the Website.

5. Enquiries and Communication

5.1 No user accounts. The Website does not currently provide user accounts, login facilities, client dashboards, or an online payment checkout. You do not create a password or credential with us. Any communication asking you to log in to a SKEPTIX account, or requesting a password, does not originate from us.

5.2 Enquiry channels. Enquiries are made through the request and contact forms on the Website, or through the WhatsApp number published on the Website. Submitting an enquiry does not create a contract and does not oblige SKEPTIX to accept the engagement.

5.3 Response times. We aim to respond to enquiries within one working day. Response times are targets and not contractual commitments unless expressly stated in an accepted Order.

5.4 Business hours. Our business hours are Monday to Friday, 10:00 AM to 5:00 PM Indian Standard Time (IST), excluding public holidays in Gujarat, India.

5.5 Language. These Terms and all contractual communication are in the English language. Any translation is provided for convenience only, and in the event of any inconsistency the English version prevails.

6. Quotations, Scope and Order Formation

6.1 Quotations. Any price stated on the Website is indicative unless expressly stated to be a fixed quotation. A binding quotation is issued to you in writing and states the work covered, the fee, the payment schedule, and the estimated timeline.

6.2 Validity. Unless stated otherwise, a quotation is valid for 15 days from the date of issue, after which it may be revised.

6.3 Written Scope. For all custom development work, SKEPTIX will issue a written Scope describing what will be built and delivered. The Scope, once confirmed by you in writing, is the definitive statement of the work. Anything not contained in the Scope is not included in the fee.

6.4 Order formation. A contract is formed when SKEPTIX confirms your Order in writing and, where an advance is payable, receives that advance. SKEPTIX reserves the right to decline any enquiry or Order at its discretion, without stating reasons.

6.5 Changes to Scope. Any addition, alteration or expansion of the agreed Scope after confirmation is a change request, quoted separately and not included in the original fee. SKEPTIX is not obliged to accept a change request.

6.6 Assumptions. Quotations are based on information you supply. If that information proves materially incomplete or inaccurate, SKEPTIX may revise the quotation and timeline.

7. Fees, Payment, Taxes and Invoicing

7.1 Currency. Fees are quoted in Indian Rupees (INR) for customers in India and United States Dollars (USD) for customers outside India.

7.2 Tax treatment. All fees are stated exclusive of applicable taxes. Goods and Services Tax (GST) or any other applicable tax, levy, cess or duty is charged in addition at the prevailing rate and is shown separately on the invoice. GSTIN: [GSTIN or turnover-threshold statement — pending SKEPTIX].

7.3 Price break-up. Every invoice shows the total price with a clear break-up of the base fee and each component of tax charged.

7.4 Payment schedule. Payment is made according to the schedule stated in the accepted quotation. Where no schedule is stated, the default schedule set out in our Refund, Cancellation and Payment Policy applies.

7.5 Payment methods. Payments are accepted only through the channels SKEPTIX specifies in writing at the time of invoicing. SKEPTIX will never ask you to transfer funds to a personal account of any individual not identified in the invoice. Verify banking details with us directly by telephone or WhatsApp before making any transfer.

7.6 Bank and transfer charges. All bank charges, remittance fees, intermediary bank charges, currency conversion costs and payment gateway fees are borne by you. The amount received by SKEPTIX must equal the invoiced amount.

7.7 Late payment. If any amount is not paid by its due date, SKEPTIX may suspend work and withhold Deliverables, suspend or deactivate any licence issued, and charge interest at 1.5% per month on the overdue amount from the due date until payment.

7.8 No set-off. You must pay all sums due without set-off, deduction, counterclaim or withholding, except as required by law.

7.9 Withholding tax. If you are required by law to withhold or deduct any tax from a payment, you must gross up the payment so that SKEPTIX receives the full invoiced amount, and must promptly supply the relevant tax deduction certificate.

7.10 Taxes in your jurisdiction. You are solely responsible for any import duty, VAT, sales tax, use tax or other charge levied in your own country in respect of a Product or Service supplied to you.

7.11 Invoices. A tax invoice is issued for every paid Order. Any dispute regarding an invoice must be raised in writing within 7 days of the invoice date, failing which the invoice is deemed accepted.

8. Delivery

8.1 Digital delivery only. All Deliverables are digital. Nothing physical is shipped. Delivery is effected by one or more of: a download link, direct file transfer, email attachment, platform invitation, licence activation, or deployment to a server.

8.2 Completion of delivery. Delivery is complete, and the Deliverable is deemed received, when SKEPTIX makes the file, link, invitation or activation available to you at the contact address you supplied — whether or not you have downloaded, opened, installed or used it.

8.3 Delivery timelines. Estimated timelines are given in good faith and are estimates only, conditional on your timely provision of information, materials, feedback and approvals. SKEPTIX is not liable for delay caused by your acts or omissions, by third-party platform issues, or by any event outside its reasonable control.

8.4 Your responsibility to retain. You are responsible for downloading and safely storing your Deliverable and any licence details. SKEPTIX will make reasonable efforts to re-supply a lost file but is not obliged to retain copies indefinitely.

8.5 Installation. Unless expressly included in the Scope, installation on your device or platform is your responsibility. SKEPTIX will provide reasonable written or verbal guidance.

9. Licence Grant and Restrictions

9.1 Licence. Unless a separate written agreement provides otherwise, each Deliverable is supplied under a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence for your own use only, on the terms of these Terms and the applicable Part.

9.2 No transfer of ownership. Except where Clause 10 or Part C expressly provides for assignment, licensing a Deliverable does not transfer ownership of it to you. All rights not expressly granted are reserved by SKEPTIX.

9.3 Restrictions. You must not, and must not permit any other person to:

• copy, reproduce or distribute the Deliverable except as necessary for your own permitted use;
• sell, resell, rent, lease, lend, sublicense, assign, publish, share, or otherwise make the Deliverable available to any third party;
• upload the Deliverable to any marketplace, repository, file-sharing service, forum, messaging group, or public location;
• decompile, disassemble, reverse engineer, or attempt to derive or reconstruct the source code, algorithms or underlying logic of any compiled or protected Deliverable;
• modify, adapt, translate or create derivative works from the Deliverable, except where source code has been expressly supplied for that purpose;
• remove, obscure, disable, circumvent or tamper with any licensing mechanism, activation check, account binding, expiry control, watermark, copyright notice or attribution;
• use the Deliverable on any device, account or terminal beyond the number permitted by your licence;
• use the Deliverable to develop a competing product; or
• represent the Deliverable, or any part of it, as your own work.

9.4 Licence enforcement. SKEPTIX may embed technical protection measures in any Deliverable, including activation keys, account-number binding, terminal or machine binding, and expiry controls. You consent to the operation of such measures.

9.5 Breach. Any breach of Clause 9.3 immediately and automatically terminates your licence, without refund and without notice, and is without prejudice to any other remedy available to SKEPTIX including injunctive relief and damages.

9.6 Audit. Where SKEPTIX has reasonable grounds to believe a licence is being used in breach of these Terms, you will cooperate with a reasonable request for information to verify compliance.

10. Intellectual Property, Your IP, and Confidentiality of Your Ideas

10.1 SKEPTIX pre-existing IP. SKEPTIX owns, and retains at all times, all intellectual property rights in its name, logo, brand, and all marks; the Website and its design, layout, text, graphics and code; its documentation; and all of its pre-existing tools, libraries, frameworks, templates, modules, methods, techniques and know-how ("Background IP"). No Background IP is transferred to you under any engagement.

10.2 Your material. You retain all rights in material you supply to SKEPTIX. You grant SKEPTIX a licence to use that material solely to perform the engagement. You warrant that you own or are licensed to use everything you supply, and that its use by SKEPTIX will not infringe any third-party right.

10.3 Your trading logic and rules. Where you supply your own trading rules, method, logic, or strategy for SKEPTIX to build:

• that logic, method and strategy remains your intellectual property at all times;
• SKEPTIX makes no claim to it;
• SKEPTIX will treat it as your confidential information under Clause 11;
• SKEPTIX will not sell, license, publish, disclose or reuse your specific logic for any other client;
• the specific coded implementation of your logic is assigned to you upon receipt of final payment in full;
• SKEPTIX retains ownership of its Background IP and of any generic, reusable component that is not specific to your logic.

10.4 Retention until payment. All rights in a Deliverable remain with SKEPTIX until all sums due in respect of that Deliverable have been paid in full. You may not deploy, use commercially, or distribute a Deliverable before that point.

10.5 Non-disclosure agreement. SKEPTIX will enter into a mutual non-disclosure agreement on request, before you disclose sensitive material. Ask us before sharing, not after.

10.6 Third-party components. Any third-party library, framework, font, plugin, image, API or platform component included in or used by a Deliverable remains subject to its own licence terms. Compliance with those terms, including any ongoing fee, is your responsibility once the Deliverable is transferred to you.

10.7 Infringement notice. If you believe any content on the Website infringes your intellectual property, write to the Grievance Officer at the address in Clause 21 with details of the work, the location of the alleged infringement, and your contact details.

11. Confidentiality

11.1 Each party ("Receiving Party") will keep confidential all non-public information disclosed to it by the other ("Disclosing Party"), including trading rules and logic, business plans, pricing, source code, customer information, and technical methods.

11.2 The Receiving Party will use confidential information only to perform this agreement, will not disclose it to any third party without written consent, and will protect it with at least the same degree of care it applies to its own confidential information.

11.3 These obligations do not apply to information that: (a) is or becomes public through no breach by the Receiving Party; (b) was lawfully known before disclosure; (c) is lawfully received from a third party without restriction; (d) is independently developed without use of the confidential information; or (e) is required to be disclosed by law, regulation, court or authority, provided the Receiving Party gives prompt notice where lawfully permitted.

11.4 Confidentiality obligations survive termination for three years or, in respect of trade secrets and trading logic, indefinitely.

12. Acceptable Use

12.1 You must not use the Website, any Deliverable, or any Service:

• for any unlawful purpose, or in breach of any applicable law, regulation or exchange, broker or platform rule;
• to attempt any form of market manipulation, spoofing, layering, or abusive practice;
• to infringe the intellectual property, privacy or other rights of any person;
• to transmit malware, viruses, or any harmful code;
• to gain or attempt to gain unauthorised access to the Website, its servers, or any connected system;
• to scrape, harvest, index or extract data from the Website by automated means without written consent;
• to overload, disrupt or impair the Website or any connected network;
• to impersonate SKEPTIX or any other person, or to misrepresent your affiliation with us; or
• to upload, host, publish or transmit any content that is unlawful, obscene, defamatory, harassing, hateful, threatening, or that harms minors.

12.2 SKEPTIX may suspend or terminate your access and any licence, immediately and without refund, for breach of this Clause.

13. Third-Party Platforms, Brokers and Services

13.1 Independent third parties. Our Products and Deliverables operate on, alongside, or in connection with third-party platforms, charting environments, data providers, brokers, hosting providers and payment processors. These are independent third parties. SKEPTIX has no control over them.

13.2 No responsibility. SKEPTIX is not responsible or liable for: platform availability, downtime, maintenance or outage; changes to a platform's rules, functionality, programming language, or API; discontinuation of a platform or of any feature; data feed accuracy, delay, gaps or errors; broker execution, pricing, spread, slippage, requotes, rejection or account decisions; or any third party's terms, fees, or acts and omissions.

13.3 Your relationship with them. Your use of any third-party platform, broker or service is governed by your own agreement with that party. You are responsible for reading and complying with their terms and for any fee they charge.

13.4 Platform changes. If a third-party platform changes such that a Deliverable no longer functions, SKEPTIX will, where the change occurs within the support period stated in your Order, make reasonable efforts to adapt the Deliverable. Adaptation after the support period is chargeable.

13.5 External links. The Website may link to third-party websites. Such links are provided for convenience only and do not constitute endorsement. SKEPTIX is not responsible for external content.

14. Support

14.1 Included support. Unless your Order states otherwise, SKEPTIX provides, for a period of 30 days from delivery, at no additional charge: correction of genuine defects, meaning a failure of the Deliverable to perform the specific functions described in the agreed Scope; reasonable assistance with installation; and reasonable clarification of documented settings.

14.2 Not included. Support does not include: modification of agreed functionality; new features; changes to settings, parameters or logic at your request after acceptance; adaptation to a new platform, version, instrument or timeframe not in the Scope; training beyond reasonable guidance; adjustments intended to change or improve outcomes or results; or issues arising from your own modification of a Deliverable, from third-party software, or from platform or broker changes after the support period.

14.3 Extended support. Ongoing support, updates and maintenance beyond the included period are available under a separate written maintenance arrangement, quoted separately.

14.4 Support channel. Support requests must be raised through the WhatsApp number or email address published on the Website. Support is provided in English, Hindi and Gujarati during business hours.

14.5 Reproducibility. SKEPTIX is only able to address a reported defect that can be reproduced. You will provide screenshots, settings, logs and platform details on request.

15. Disclaimers

15.1 "As is". Except as expressly stated in these Terms, all Products, Deliverables and Services are provided "as is" and "as available", without warranty of any kind, whether express, implied or statutory, to the maximum extent permitted by applicable law. SKEPTIX does not warrant that any Deliverable will be uninterrupted, error-free, free of all defects, or compatible with every configuration.

15.2 No performance guarantee. SKEPTIX makes no guarantee, assurance, representation, promise or warranty of any kind regarding profit, return, income, gain, accuracy, success rate, win rate, or any particular outcome or result whatsoever. Any statement to the contrary made by any person is unauthorised and is not binding on SKEPTIX.

15.3 Risk. Trading and investing in financial markets carry a substantial degree of risk and are not suitable for every person. You may lose some or all of your capital. You should not commit funds you cannot afford to lose. You should seek independent advice from an appropriately licensed professional if you are in any doubt.

15.4 Illustrations. Any chart image, screenshot, example, figure, table or illustration published by SKEPTIX is for informational and illustrative purposes only, is not a representation of any result you will obtain, and is not a recommendation.

15.5 Your responsibility. You alone are responsible for: your decisions; your choice of platform, broker and instrument; your settings and parameters; your risk management; monitoring anything you run; and all consequences that follow.

15.6 No fiduciary relationship. Nothing in these Terms creates a partnership, joint venture, agency, employment, fiduciary or advisory relationship between you and SKEPTIX.

16. Limitation of Liability

16.1 Cap. To the maximum extent permitted by applicable law, the total aggregate liability of SKEPTIX to you, arising out of or in connection with these Terms, any Order, any Deliverable or any Service, shall not exceed the total amount actually paid by you to SKEPTIX in respect of the relevant Order in the twelve months immediately preceding the event giving rise to the claim.

16.2 Excluded loss. SKEPTIX shall not be liable for trading losses of any kind; loss of profit, revenue, income, anticipated savings or business opportunity; loss of goodwill or reputation; loss or corruption of data; business interruption; costs of substitute products or services; or any indirect, incidental, special, punitive or consequential loss.

16.3 Carve-outs. Nothing in these Terms excludes or limits the liability of SKEPTIX for: fraud or fraudulent misrepresentation; wilful misconduct; gross negligence; death or personal injury caused by negligence; or any other liability that cannot lawfully be excluded or limited.

16.4 Consumers. If you are a Consumer, nothing in these Terms affects your statutory rights that cannot be excluded or limited under the law applicable to you.

16.5 Basis of the bargain. You acknowledge that the fees charged reflect the allocation of risk in this Clause, and that SKEPTIX would not supply on these terms without it.

16.6 Time limit. Any claim must be brought within twelve months of the date on which you became aware, or ought reasonably to have become aware, of the circumstances giving rise to it, save where a longer period is required by law.

17. Indemnity

17.1 You agree to indemnify, defend and hold harmless SKEPTIX, its proprietor, directors, employees, contractors and agents from and against all claims, demands, proceedings, losses, damages, liabilities, costs and expenses (including reasonable legal fees) arising out of or in connection with:

• your breach of these Terms;
• your misuse of any Deliverable, Product or Service;
• your breach of any law, regulation, or the rules of any exchange, broker or platform;
• any material you supply to SKEPTIX infringing a third-party right;
• any claim by a third party to whom you have supplied, shared or redistributed a Deliverable; or
• your trading, investment or business decisions.

18. Term, Suspension and Termination

18.1 Term. These Terms apply from your first acceptance and continue for as long as you use the Website, hold a licence, or have an active engagement with SKEPTIX.

18.2 Termination by SKEPTIX. SKEPTIX may suspend or terminate your access, any licence, and any engagement, with immediate effect and without refund, if: you breach these Terms materially; you breach Clause 9 or Clause 12; any payment is overdue by more than 15 days; you become insolvent or enter liquidation; or continued supply would in SKEPTIX's reasonable view expose it to legal or regulatory risk.

18.3 Termination by you. You may terminate an engagement in writing. Termination does not entitle you to a refund of fees for work already performed, and any sums due for work performed to the date of termination become immediately payable.

18.4 Effect of termination. On termination: your licence ends immediately; you must cease all use of the Deliverable and destroy all copies in your possession; and accrued rights and liabilities are unaffected.

18.5 Survival. Clauses 1, 3, 9.2 to 9.6, 10, 11, 15, 16, 17, 18.4, 18.5, 20, 21, 23 and 24 survive termination.

19. Force Majeure

19.1 SKEPTIX is not liable for any failure or delay in performance caused by an event beyond its reasonable control, including act of God, flood, fire, earthquake, epidemic or pandemic; war, terrorism, riot or civil unrest; strike or labour dispute; failure of power, telecommunications or internet infrastructure; failure, outage, suspension or change of any third-party platform, broker, data provider or hosting service; government or regulatory action; cyber-attack; or any statutory restriction.

19.2 If such an event continues for more than 60 days, either party may terminate the affected engagement on written notice, and SKEPTIX will refund any sums paid for work not yet performed.

20. Personal Data and Privacy

20.1 SKEPTIX processes personal data collected through the Website's enquiry and request forms and through WhatsApp communication in accordance with our Privacy Policy, which forms part of these Terms and is published at /legal/privacy.

20.2 By submitting a form on the Website, you consent to the collection and processing of your personal data as described in the Privacy Policy. You may withdraw consent, request correction or erasure, and exercise your other rights as described there.

21. Grievance Officer and Complaints

21.1 In compliance with applicable Indian law, SKEPTIX has designated the following Grievance Officer to receive and address complaints relating to the Website, our Products and Services, and the processing of personal data:

21.2 How to complain. Send your complaint in writing to the Grievance Officer, stating your name, contact details, the nature of the complaint, the Order or engagement reference if any, and the outcome you seek.

21.3 Acknowledgement. The Grievance Officer will acknowledge your complaint within forty-eight hours of receipt and will issue you a unique complaint reference number.

21.4 Resolution. The Grievance Officer will redress your complaint within one month from the date of its receipt, and will communicate the outcome to you in writing. If a complaint cannot be resolved in that period, we will inform you of the reason and the expected timeline.

21.5 Escalation. Nothing in this Clause limits your right to pursue any remedy available to you under applicable consumer protection or other law.

22. Changes to These Terms

22.1 SKEPTIX may amend these Terms from time to time, for example to reflect changes in law, regulation, our products, or our business.

22.2 The revised Terms are published on the Website with an updated "Last Updated" date. Material changes take effect no earlier than 15 days after publication, and where we hold your contact details we will notify you.

22.3 Your continued use of the Website or our Services after the effective date constitutes acceptance of the revised Terms. If you do not accept them, you must stop using the Website and our Services.

22.4 Changes do not apply retrospectively to an Order already accepted, unless required by law.

23. Governing Law, Jurisdiction and Dispute Resolution

23.1 Governing law. These Terms and any dispute or claim arising out of or in connection with them are governed by and construed in accordance with the laws of India.

23.2 Jurisdiction. The courts at [jurisdiction city — pending SKEPTIX], Gujarat, India shall have exclusive jurisdiction, subject to Clause 23.4.

23.3 Good faith resolution. Before commencing any proceedings, the parties will attempt in good faith to resolve the dispute through discussion for a period of 30 days from written notice of the dispute.

23.4 Consumers outside India. If you are a Consumer resident outside India, this Clause does not deprive you of the protection afforded by mandatory provisions of the law of your country of residence, and does not prevent you from bringing proceedings in the courts of that country where the law so permits.

24. General Provisions

24.1 Entire agreement. These Terms, together with the accepted quotation, the agreed Scope, the Privacy Policy, and any separate signed agreement, constitute the entire agreement between you and SKEPTIX.

24.2 Order of precedence. In the event of conflict: (1) a separate signed agreement; (2) the accepted quotation and agreed Scope; (3) the applicable Part A, B or C; (4) Part 0.

24.3 Severability. If any provision is held invalid, illegal or unenforceable, it shall be modified to the minimum extent necessary to make it enforceable, or if that is not possible, severed. The remaining provisions continue in full force.

24.4 Waiver. No failure or delay by SKEPTIX in exercising any right constitutes a waiver of it. A waiver of any breach is not a waiver of any subsequent breach.

24.5 Assignment. You may not assign or transfer your rights or obligations without SKEPTIX's prior written consent. SKEPTIX may assign or transfer its rights and obligations, including on a sale or reorganisation of its business, on notice to you.

24.6 No third-party rights. No person other than you and SKEPTIX has any right to enforce these Terms.

24.7 Notices. Notices to SKEPTIX must be sent to the email and postal address in Clause 25. Notices to you are sent to the email or WhatsApp number you last supplied, and are deemed received on the day of sending if sent on a working day.

24.8 Headings. Headings are for convenience only and do not affect interpretation.

24.9 Publicity. SKEPTIX may name you as a client and display a general description of the work in its portfolio and marketing, unless you notify us otherwise in writing. SKEPTIX will not disclose your confidential material or specific trading logic in any circumstances.

25. Contact Details

A.1 What We Provide Under This Track

A.1.1 Under the India Track, SKEPTIX develops custom analytical charting indicators built to the specification and rules supplied by the client, for use on charting platforms in connection with Indian markets.

A.1.2 The instruments in respect of which chart studies may be built include NIFTY, BANKNIFTY, SENSEX, other Indian indices, Indian index and stock options, and Indian equities.

A.1.3 An indicator supplied under this Track is a visual chart study tool. Its function is to display, plot, mark, highlight, shade, label or otherwise present information on a price chart, so that the user may observe and study that information themselves.

A.1.4 Indicators are developed for TradingView (Pine Script) and MetaTrader 5 charting, used solely as charting and analysis environments.

A.1.5 Every indicator supplied under this Track is provided for educational, analytical, study and demonstration purposes, and for use in demonstration and paper-study environments.

A.2 What We Do Not Provide Under This Track

A.2.1 This Clause is an essential term of every India Track engagement. An indicator supplied under the India Track does not, and is not capable of, placing, routing, transmitting, modifying or cancelling any order; connecting to, integrating with, logging in to, or communicating with any broker, exchange, trading account, or trading terminal for the purpose of transacting; replicating, mirroring or duplicating the trades of any person or account; managing, adjusting or monitoring any position or account; or executing anything on your behalf.

A.2.2 SKEPTIX does not, under the India Track, provide buy or sell calls, trade recommendations, entry or exit instructions, target or stop levels presented as advice, tips or calls, market views or forecasts, portfolio suggestions, or any investment, financial or research advice.

A.2.3 No performance representation. SKEPTIX makes no representation, statement, promise or suggestion of any profit, return, gain, accuracy percentage, success rate, or outcome of any kind in connection with any India Track indicator.

A.2.4 No assurance. SKEPTIX does not and will not use, and you should not accept from any person purporting to represent SKEPTIX, any expression such as "guaranteed", "assured", "risk-free", "no loss", "sure", or any equivalent expression in any language.

A.3 Regulatory Position and Your Acknowledgement

A.3.1 SKEPTIX is a software developer. Under the India Track it develops charting software to a client's written specification, for a development fee.

A.3.2 SKEPTIX is not registered with the Securities and Exchange Board of India (SEBI) in any capacity, and does not carry on the activities for which such registration is required.

A.3.3 SKEPTIX does not act as a provider of automated order-generation services in the Indian market, does not route orders to any Indian exchange, and does not offer any product capable of doing so under this Track.

A.3.4 By placing an Order under the India Track you acknowledge and confirm that: the indicator is a chart study tool and nothing more; it will not place, route or execute anything, and is not connected to your broker or trading account; SKEPTIX is not registered with SEBI and gives you no advice or recommendation; the indicator is supplied for educational, analytical and demonstration use; any use you make of it in a live market environment is entirely at your own choice, discretion, responsibility and risk; every decision you take in any market is your own independent decision; you have not been induced to place the Order by any statement, promise or expectation of profit or outcome; and you are responsible for satisfying yourself that your use of the indicator complies with the rules of your broker, your exchange, and all applicable law.

A.3.5 You are encouraged to consult a SEBI-registered investment adviser before taking any decision in the securities markets.

A.4 Mandatory Disclosure Statement

A.5 Development Process

A.5.1 Step 1 — Requirement. You describe, in writing, what you want the indicator to display on the chart, with rules, notes or reference material as needed.

A.5.2 Step 2 — Written Scope and quotation. SKEPTIX issues a written Scope describing precisely what will be displayed, on which platform, instruments and timeframes, together with a fee and estimated timeline.

A.5.3 Step 3 — Confirmation and advance. You confirm the Scope in writing and pay the advance. Development begins only after both are received.

A.5.4 Step 4 — Development and chart verification. SKEPTIX builds the indicator and verifies on charts that it displays what the Scope says. This is a check of correctness of display and logic, not a test of trading outcomes or profitability.

A.5.5 Step 5 — Client review. You review the delivered indicator against the agreed Scope and confirm acceptance in writing, or raise any discrepancy within the review period in Clause A.7.

A.5.6 Step 6 — Delivery and documentation. On acceptance and receipt of the balance fee, SKEPTIX delivers the final files together with documentation.

A.6 Deliverables

A.6.1 Unless the Scope states otherwise, an India Track engagement delivers the indicator file, a parameter and settings reference document, written installation guidance, one round of revisions, and a support window.

A.6.2 Source code. For TradingView, delivery is normally by invite-only script access. For MetaTrader 5, delivery is normally the compiled file only. Source code is disclosed only where the Scope expressly says so, and is then licensed for your own use only.

A.6.3 Not included, unless expressly stated in the Scope: platform subscription or account costs; data feed costs; any third-party tool; hosting; training sessions; and adaptation to any platform, instrument or timeframe not named in the Scope.

A.7 Revisions and Acceptance

A.7.1 Review period. You have 7 days from delivery to review the indicator against the agreed Scope and report, in writing, any respect in which it does not display what the Scope says.

A.7.2 Included revisions. The fee includes one round of revisions — a correction or refinement bringing the indicator into line with the agreed Scope.

A.7.3 Not a revision. A new display element not in the Scope, a change to your originally-supplied logic, adaptation to a new platform/instrument/timeframe, a change of design preference after acceptance, and any request to alter the indicator with a view to changing outcomes, are change requests, chargeable separately.

A.7.4 Deemed acceptance. If you do not report a discrepancy within the review period, the indicator is deemed accepted.

A.8 Fees, Payment and Refunds — India Track

A.8.1 Commercial model. The India Track operates on a development fee basis. A fee is quoted for building a specific indicator to a specific written Scope. There is no subscription and no charge for any recommendation, call or advice, because none is provided.

A.8.2 Pricing. Pricing is quoted per project, on request, after the requirement is understood.

A.8.3 Payment stages and refund position. See our Refund, Cancellation and Payment Policy at /legal/refund for the applicable payment schedule and refund terms.

A.9 Support — India Track

A.9.1 SKEPTIX provides, for 30 days from acceptance, at no additional charge: correction of any genuine defect in the display of the indicator relative to the agreed Scope; assistance with installation and setup; and clarification of documented settings.

A.9.2 Support does not include changing what the indicator displays, adding a new element, adapting to a new platform, instrument or timeframe, or any adjustment sought with a view to changing outcomes or results.

A.10 Licence — India Track

A.10.1 The indicator is licensed to you for your own personal analytical use, on your own charting platform account, for your own study.

A.10.2 You must not share, forward, resell, publish, redistribute or make available the indicator or any access to it; grant access to your platform account for another person to use it; publish source code where supplied; or use it to provide any service to any third party.

A.10.3 Breach of this Clause terminates the licence immediately without refund and entitles SKEPTIX to withdraw platform access.

A.11 Confidentiality of Your Rules — India Track

A.11.1 The rules, method and logic you supply remain your property at all times. SKEPTIX will not sell, license, publish, disclose or reuse your specific rules or logic for any other client or for its own products. Your material is handled as confidential information under Clause 11, and the coded implementation of your rules is assigned to you on final payment.

A.11.2 SKEPTIX retains ownership of its own pre-existing components, generic methods, coding techniques and know-how, none of which are specific to your rules.

A.12 Showcase and Illustrations — India Track

A.12.1 Any chart image published by SKEPTIX under the India Track is included solely to illustrate what an indicator displays on a chart. Every such image carries a caption confirming it illustrates the display of the tool only and is not a recommendation.

A.12.2 SKEPTIX does not publish, under this Track, any image or figure showing account balances, transaction statements, gain or loss figures, accuracy or success percentages, or outcome statistics of any kind.

A.13 Prohibited Use — India Track

A.13.1 You must not modify or attempt to modify the indicator to connect it to a broker or trading account, or to transmit any instruction to any trading system; integrate it with any order-entry mechanism; use it or its output as the basis for providing advice, recommendations, calls, tips or signals to any other person; redistribute or resell it or its output as a service; or represent that it has been approved, endorsed or registered by any regulator, exchange or authority.

A.13.2 You acknowledge that such activities may require registration with SEBI and that you alone are responsible for any consequence of undertaking them. Breach of this Clause terminates the licence immediately, without refund, and you indemnify SKEPTIX under Clause 17 against all consequences.

B.1 What We Provide Under This Track

B.1.1 Under the Global Track, SKEPTIX supplies licensed trading software to international clients, including ready-made premium indicators, custom-developed indicators, trading strategies, automated trading programs for MetaTrader 5, and trading automation utilities.

B.1.2 Products relate to instruments traded through international brokers, including foreign exchange pairs, XAUUSD (gold), commodity contracts for difference, index contracts for difference, and cryptocurrency instruments.

B.1.3 Products are developed for MetaTrader 5 (MQL5) and TradingView (Pine Script).

B.1.4 This Track is not offered to, and its products are not available for use on, Indian exchanges.

B.2 You Operate, We Do Not

B.2.1 A Product supplied under this Track is software licensed to you, which you install, configure, operate, supervise and control, on your own account, with your own broker, at your own discretion.

B.2.2 SKEPTIX does not operate your account, access your account, hold your funds, place, monitor or manage any position on your behalf, or exercise any discretion over your trading.

B.2.3 You are responsible for supervising any automated program you choose to run on a live account. Automated programs can behave unexpectedly. You must monitor operation and remain able to intervene.

B.3 Licence — Global Track

B.3.1 Each Product is licensed on a single-user, non-transferable basis for your own use.

B.3.2 Licences may be enforced by technical means including activation keys, limits on the number of activations, binding to specified trading account numbers, and binding to a particular terminal or machine configuration.

B.3.3 Where the Product is supplied through a third-party marketplace, that marketplace's own terms apply in addition to these Terms, including its restrictions on resale.

B.3.4 Re-activation. Where you change hardware, reinstall your operating system, or genuinely change trading account, SKEPTIX will provide up to two re-activations on written request. Additional re-activations are at SKEPTIX's discretion and may be chargeable.

B.3.5 Demo versions. Where a demonstration or trial version is offered, it is provided for evaluation only, may be time-limited or function-limited. You are encouraged to evaluate a demo before purchasing where one is offered.

B.3.6 You must not attempt to extend, bypass, reset or defeat any expiry, activation or binding mechanism.

B.4 Performance Information and Disclosures

B.4.1 Where SKEPTIX publishes any historical, backtested or simulated performance information under this Track, it is clearly labelled as such and states the instrument, timeframe, exact test period, and material conditions and assumptions applied.

B.4.2 Backtested and simulated results are generated by applying rules to historical data. They are not the results of actual trading, and do not account fully for real-world conditions including liquidity, slippage, spread variation, requotes, latency, execution rejection, connectivity loss, swap and financing costs. They are designed with the benefit of hindsight.

B.4.3 Past performance, whether actual or simulated, does not indicate or guarantee future results. SKEPTIX does not publish, and does not authorise any person to publish on its behalf, any projection, forecast or expectation of future results.

B.5 Consumer Rights — Customers in the European Union and United Kingdom

B.5.1 This Clause applies only if you are a Consumer resident in the European Union or the United Kingdom.

B.5.2 Right to cancel. As a Consumer purchasing digital content at a distance, you have a right to cancel within 14 days of the conclusion of the contract, without giving any reason.

B.5.3 Loss of the right on immediate supply. This right is lost once supply of the digital content has begun, if before supply began you gave your express prior consent to supply beginning immediately and acknowledged that you would thereby lose your right to cancel. Where a Product is purchased for immediate download or activation, SKEPTIX will present that confirmation for you to accept before supply begins.

B.5.4 Statutory quality rights. Digital content supplied to you as a Consumer must be of satisfactory quality, fit for any particular purpose you made known to us before purchase, and as described. If it is not, you are entitled to have it brought into conformity, and where that is not possible or is not done within a reasonable time and without significant inconvenience, to an appropriate price reduction or to terminate and receive a refund. Nothing in these Terms operates to exclude, restrict or limit this.

B.5.5 The choice of Indian law in Clause 23 does not deprive you of the protection of mandatory provisions of the law of your country of residence.

B.6 Refunds and Updates — Global Track

B.6.1 See our Refund, Cancellation and Payment Policy at /legal/refund for the applicable refund windows and conditions.

B.6.2 Where SKEPTIX issues an update to a Product you have licensed, that update is provided free of charge for 12 months from purchase, and thereafter under a separate update or maintenance arrangement.

B.6.3 SKEPTIX is not obliged to develop updates, to maintain compatibility with future platform versions indefinitely, or to continue supporting any Product indefinitely. Where a Product is discontinued, SKEPTIX will give reasonable notice to existing licensees.

B.7 Global Track Risk Disclosure

B.8 Prohibited Use — Global Track

B.8.1 You must not resell, share, redistribute, publish or make available any Product; supply any Product to a third party in any form; decompile or reverse engineer any compiled Product; publish source code supplied to you; use any Product to operate a copy-trading, signal-distribution or managed-account service for third parties without SKEPTIX's prior written consent; or use any Product in breach of your broker's terms or of any applicable law.

C.1 Scope of This Track

C.1.1 Under the Web Development Track, SKEPTIX provides website design; website development; e-commerce website development; landing page design and development; search engine optimisation setup; and website maintenance and support.

C.1.2 This Track is a non-financial services business. No part of Part A or Part B applies to a Web Development engagement, and no trading, market, investment or financial regulation applies to work under this Track.

C.2 Pricing, Discovery and Scope

C.2.1 Any price band published on the Website for this Track is an indicative starting point only. It is not a quotation and does not bind SKEPTIX.

C.2.2 Before quoting, SKEPTIX undertakes a discovery discussion to understand your requirement, the number and type of pages, the functionality required, the content position, and the timeline.

C.2.3 SKEPTIX then issues a written Scope of Work stating the pages and templates to be produced, functionality included, technology used, number of revision rounds, what you must supply, the timeline and milestones, and the fee and payment schedule. Once confirmed in writing by you, the Scope is the definitive statement of the project.

C.2.4 Exclusions. Anything not stated in the Scope is not included — additional pages, templates, or languages; content writing; photography; logo or brand design; ongoing SEO work; paid advertising; third-party licence fees; hosting fees; domain fees; and migration of existing content beyond the stated quantity.

C.3 Payment Schedule — Web Development

C.3.1 See our Refund, Cancellation and Payment Policy at /legal/refund for the applicable payment schedule.

C.3.2 The initial payment reserves development capacity and covers discovery and initial work. It is non-refundable once work has commenced.

C.3.3 SKEPTIX may suspend work if any milestone payment is overdue, and is not responsible for consequent delay.

C.4 Revisions and Change Requests

C.4.1 The fee includes two rounds of revisions per major deliverable (for example, per design concept and per built template).

C.4.2 A revision is a refinement of work already produced, within the agreed Scope. A new page or template, new functionality, a change of design direction after a concept has been approved, a change to agreed content structure, integration of an additional third-party service, or any expansion of the Scope, is a change request, quoted separately based on scope and complexity, and requires written approval before work proceeds.

C.4.3 Feedback must be provided in consolidated form for each round. Piecemeal or contradictory feedback across multiple messages may be treated as consuming a revision round.

C.5 Your Responsibilities

C.5.1 You must provide, in the format and by the dates stated in the Scope: all text content; all images, logos and brand assets; product data where applicable; access credentials for domains, hosting, analytics and any existing systems; and prompt written feedback and approvals.

C.5.2 You warrant that you own or are licensed to use all content, images, fonts, data and material you supply, and you indemnify SKEPTIX under Clause 17 against any third-party claim arising from it.

C.5.3 Delay. If a project is delayed by you for more than 30 days through non-supply of content, feedback or approvals, SKEPTIX may treat it as suspended, may reallocate capacity, may invoice for work completed to date, and may charge a reasonable re-mobilisation fee to resume.

C.6 Testing, Acceptance and Launch

C.6.1 SKEPTIX delivers the site to a staging environment for your review. You have 7 days to test and report, in writing, any respect in which the site does not conform to the agreed Scope. If no written report is received within that period, the site is deemed accepted.

C.6.2 Launch occurs after acceptance and receipt of the final payment. SKEPTIX will not deploy to a production domain before final payment is received.

C.6.3 SKEPTIX tests on current versions of mainstream browsers on desktop and mobile. Support for outdated or non-standard browsers and devices is not included unless stated in the Scope.

C.7 Intellectual Property — Web Development

C.7.1 Upon receipt of final payment in full, SKEPTIX assigns to you all right, title and interest in the final custom deliverables produced specifically for you, comprising the custom code, custom design files and any content created by SKEPTIX for the project.

C.7.2 Until final payment is received in full, SKEPTIX retains ownership of all work produced, and you have no licence to deploy, use commercially, or distribute it.

C.7.3 SKEPTIX retains ownership of its Background IP, including reusable frameworks, component libraries, boilerplate code and know-how. Where such components are embedded in your site, you receive a perpetual, non-exclusive licence to use them as part of that site, but not to extract or reuse them separately.

C.7.4 SKEPTIX may display the completed work, including screenshots and a general description, in its portfolio and marketing, and may link to the live site, unless you notify us otherwise in writing before launch.

C.8 Third-Party Components, Hosting and Domains

C.8.1 Themes, plugins, extensions, fonts, stock images, icons, application programming interfaces and similar third-party components are supplied under their own licences. Where a licence carries a recurring fee, that fee is your responsibility from handover.

C.8.2 Hosting and domain registration are your responsibility and are contracted in your own name, unless the Scope expressly provides otherwise. Where SKEPTIX arranges them on your behalf, it does so as your agent and any third-party fee is passed through at cost, with no markup.

C.8.3 SKEPTIX is not responsible for third-party service outages, price changes, licence changes, discontinuation, or security incidents originating with a third-party provider.

C.8.4 You are responsible, after handover, for keeping the site's platform, themes and plugins updated, for backups, and for security, unless a maintenance arrangement is in place.

C.9 Warranty — Web Development

C.9.1 SKEPTIX warrants that, for 30 days from launch, the site will function substantially in accordance with the agreed Scope, and will correct genuine build defects reported in that period at no charge.

C.9.2 The warranty does not cover changes you or a third party make to the site after handover; third-party plugin, theme, platform or hosting faults; content changes; new requirements; browser or device updates released after launch; or any issue arising from your failure to maintain the site.

C.9.3 No search ranking guarantee. Where SEO setup is included, SKEPTIX implements recognised technical and on-page practices, but gives no guarantee as to any search engine ranking, position, traffic volume, or business outcome.

C.9.4 No uptime guarantee. Unless a specific service level is stated in writing, SKEPTIX gives no uptime guarantee, as availability depends on your hosting provider.

C.10 Maintenance and Ongoing Support

C.10.1 Beyond the warranty period, support is provided only under a separate written maintenance arrangement, quoted separately, which will state its scope, response times and monthly fee.

C.10.2 Ad hoc work outside a maintenance arrangement is quoted and charged separately, and is scheduled subject to availability.

C.11 Cancellation — Web Development

C.11.1 You may cancel a project in writing at any time. On cancellation you must pay for all work performed to the date of cancellation, calculated by reference to the milestones achieved and work in progress. Amounts already paid in respect of completed work and work in progress are not refundable.

C.11.2 On cancellation and payment of all sums due, SKEPTIX will deliver the work produced to that date. Intellectual property in that work transfers only if all sums due have been paid in full.

C.11.3 If SKEPTIX cancels for any reason other than your breach, SKEPTIX refunds all sums paid for work not performed.