Terms & Conditions

1. Acceptance of Terms

By accessing or using Profit Alchemy's website, tools, services, or subscribing to our premium offerings ("Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you must not use our Services.

These Terms constitute a legally binding agreement between you and Profit Alchemy, operated from Gujarat, India. Your continued use of our Services following any modifications to these Terms constitutes acceptance of those changes.

2. Description of Services

Profit Alchemy provides:

• Financial calculators and analysis tools (free and premium)
• Educational content and resources
• Subscription-based premium tools and features
• Financial literacy resources and guides
• Consultation services (upon request)

Services are provided "AS IS" and "AS AVAILABLE" without any warranties.

3. NO FINANCIAL ADVICE DISCLAIMER

• Consult qualified professionals before making financial decisions
• Independently verify all calculations and results
• Not rely solely on our tools for investment decisions
• Understand that past performance does not indicate future results
• Accept full responsibility for your financial decisions

4. User Accounts and Subscriptions

4.1 Account Registration

• You must be at least 18 years old to create an account
• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of unauthorized access
• Accept responsibility for all activities under your account

4.2 Premium Subscriptions

• Subscriptions are billed in advance on a recurring basis
• Payment processing is handled by Razorpay
• Subscription fees are non-refundable (see Refund Policy)
• We reserve the right to modify subscription prices with 30 days notice
• Features may be added, modified, or removed without prior notice

5. Acceptable Use Policy

You agree NOT to:

• Use our Services for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our Services or servers
• Transmit viruses, malware, or harmful code
• Scrape, copy, or redistribute our content without permission
• Use our tools for market manipulation or fraudulent activities
• Impersonate others or provide false information
• Violate any applicable laws or regulations
• Reverse engineer or attempt to extract source code
• Use automated systems to access our Services

6. Intellectual Property Rights

All content, features, and functionality of our Services are owned by Profit Alchemy and protected by intellectual property laws:

• All calculators, tools, and algorithms are proprietary
• Content, graphics, logos, and design are our exclusive property
• You may not reproduce, distribute, or create derivative works
• Limited license granted for personal, non-commercial use only
• Commercial use requires explicit written permission

7. Limitation of Liability

• PROFIT ALCHEMY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• WE ARE NOT LIABLE FOR ANY FINANCIAL LOSSES, INVESTMENT LOSSES, OR TRADING LOSSES
• WE ARE NOT LIABLE FOR ERRORS IN CALCULATIONS OR TOOL OUTPUTS
• OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU IN THE PAST 12 MONTHS
• SOME JURISDICTIONS DO NOT ALLOW LIMITATION OF LIABILITY, SO THIS MAY NOT APPLY TO YOU

8. Indemnification

You agree to indemnify, defend, and hold harmless Profit Alchemy, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:

• Your use or misuse of our Services
• Your violation of these Terms
• Your violation of any third-party rights
• Your financial or investment decisions
• Any content you submit or transmit through our Services

9. Service Modifications and Termination

We reserve the right to:

• Modify, suspend, or discontinue any Service at any time
• Change features, functionality, or pricing without notice
• Terminate or suspend your account for violations
• Refuse service to anyone at our sole discretion
• Implement usage limits or restrictions

Upon termination, your right to use our Services ceases immediately.

10. Dispute Resolution

• These Terms are governed by the laws of India
• Disputes shall be resolved through binding arbitration in Gujarat, India
• You waive the right to participate in class actions
• The arbitration shall be conducted in English
• Each party bears their own costs unless otherwise determined

11. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemic, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy and other legal documents, constitute the entire agreement between you and Profit Alchemy regarding the use of our Services.

14. Contact Information

For questions about these Terms & Conditions:

• Email: profitalchemyofficial@gmail.com
• Phone/WhatsApp: +91 9998852629
• Address: Gujarat, India