1. Interpretation and Definitions

1.1 Interpretation

Words in which the initial letter is capitalised have meanings defined under these Terms and Conditions. These definitions shall have the same meaning regardless of whether they appear in singular or plural form.

1.2 Definitions

For the purposes of these Terms and Conditions, the following terms shall have the meanings ascribed to them below:

1. Company means SKYWARDS INVESTEC PRIVATE LIMITED "Bullsmart", registered under Companies Act 2013 bearing CIN U67110KA2023PTC169866 having its registered office at Bullsmart, Startup Huts, 3rd Floor, Unit-2, #109, 27th Main, Sector-2, HSR Layout, Bengaluru, Bangalore KA 560102 IN. Skywards Investec Private Limited is a SEBI registered stockbroker bearing SEBI Registration No. INZ000315235, NSE Member ID 90340, BSE Member ID 6953, AMFI Registration No. ARN-262524, and a BSE Star MF Distributor Code 57425. SEBI Depository Participant Registration No. IN-DP-833-2026 | Depository Participant ID: CDSL 12104200.
2. Client / You / Your: Means any natural person who has attained the age of 18 years, or any legal entity (including a body corporate, partnership firm, HUF, or other legal person), who accesses or uses the Services, registers an account, or transacts through the Platform. In the case of a natural person, such person must have attained the age of 18 years at the time of registration. In the case of a legal entity, the individual accessing the Services on its behalf must be duly authorised and must have attained the age of 18 years.
3. Platform / Services: Means collectively the website accessible at https://www.bullsmart.in, the mobile application named "Bullsmart" downloadable on any electronic device, and any other digital channels, tools, APIs, or social media platforms (including YouTube and Twitter/X) operated and managed solely by the Company, through which the Company provides trading, investment, and related financial services.
4. Application: Means the mobile software application named "Bullsmart" provided by the Company and downloaded by the Client on any electronic device.
5. Website refers to Bullsmart, accessible from https://www.bullsmart.in
6. Application means the software program provided by the Company downloaded by the Client on any electronic device named "Bullsmart".
7. Social Media Platform means our YouTube channel, Twitter or any other social media platforms solely handled by us.
8. Account: Means the registered trading account, demat account, or investment account opened by the Client with the Company in accordance with applicable SEBI, exchange, and depository regulations.
9. Securities: Means any shares, debentures, bonds, units of mutual funds, derivatives, or other financial instruments traded or offered through the Services, as defined under the Securities Contracts (Regulation) Act, 1956, and the SEBI Act, 1992.
10. Forum: Means the community discussion section available within the Bullsmart Application, where Users may post, share, and discuss investment-related content subject to these Terms.
11. Content: Means all text, data, information, images, videos, graphics, analysis, commentary, research, and other materials posted, published, uploaded, transmitted, or linked through the Platform, whether by the Company, its partners, or Users.
12. Regulator(s): Means the Securities and Exchange Board of India (SEBI), the National Stock Exchange of India Limited (NSE), the BSE Limited (BSE), the Central Depository Services (India) Limited (CDSL) and any other governmental, statutory, or regulatory authority having jurisdiction over the Company or the Services.

2. ACCEPTANCE OF TERMS

These Terms and Conditions, together with the Privacy Policy, Risk Disclosure Document, Client Registration Form, Member-Client Agreement, and any other policies or agreements published on the Platform (collectively, the "Agreement"), govern your access to and use of the Services. By using or accessing any part of the Services, you confirm that:

• You are at least eighteen (18) years of age;
• You have read, understood, and agree to be legally bound by these Terms and all applicable policies;
• If you are accessing the Services on behalf of a company or legal entity, you represent that you have the authority to bind that entity to these Terms;
• You understand that investments in securities are subject to market risk and that past performance is not indicative of future results;
• You have read and understood the Risk Disclosure Document provided by the Company.

If you do not agree to these Terms, you must immediately cease using the Services and close your Account. Your continued use of the Services following any modification or update to these Terms constitutes your acceptance of the revised Terms.

The Company reserves the right, in its sole discretion, to modify, amend, or replace these Terms at any time. Clients are responsible for reviewing the Terms periodically. Material changes will be communicated via the Platform or registered email address. Some products or services offered through the Platform may be subject to additional or product-specific terms, which shall supplement and, in the event of a conflict, prevail over these general Terms.

3. TERMS AND CONDITIONS OF USAGE OF THE WEBSITE AND THE MOBILE APPLICATION

In these Terms, "you" or "your" means the person accepting these Terms and the company (if any) on whose behalf he/she is acting, and "we," "us," "our," or the "Company" means SKYWARDS INVESTEC PRIVATE LIMITED and its affiliates.

The Terms describe your rights and responsibilities and form a legally binding agreement between Us and You with respect to your use of the services.

We reserve the right, in our sole discretion, to modify or replace any of the terms or conditions of these Terms at any time. Your continued use of the services following the posting of any changes to these Terms constitutes your acceptance of those changes and you are responsible for reviewing those terms.

Some products or services that become available on the services may be subject to additional or different terms and conditions, and if those additional terms and conditions conflict with these Terms, those additional terms and conditions will control.

PLEASE READ THESE TERMS CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS, A DISPUTE RESOLUTION CLAUSE THAT GOVERNS HOW DISPUTES WILL BE RESOLVED, AND A WAIVER OF RIGHTS TO BRING CLASS ACTION CLAIMS AGAINST US. IF YOU DO NOT AGREE WITH ALL OF THE TERMS OF USE AND THE ABOVE ELIGIBILITY REQUIREMENTS, YOU ARE PROHIBITED FROM USING THE SERVICES.

By accessing the services offered by Bullsmart, you acknowledge and agree to abide by the entirety of these terms and conditions. If you do not accept all the terms and conditions outlined on this page, please refrain from using the services provided.

4. ELIGIBILITY, KYC AND ACCOUNT REGISTRATION

Access to and use of the trading and investment features of the Platform is subject to the completion of Know Your Customer (KYC) formalities, in-person verification (as may be required), and compliance with all applicable SEBI, exchange, and depository regulations for account opening

4.1 Registration of Data and Account Security

As a condition to using some parts of the services, you may be required to register an account with Us, select a password and username and provide other information about your identity, your company or your investments ("registration data"). You agree to -

1. provide accurate, current and complete registration data,
2. maintain the security of your password and user name;
3. maintain and promptly update the registration data, and any other information you provide to the Company, to keep it accurate, current and complete and
4. be fully responsible for all use of your account and for any actions that take place using your account. You may only maintain one active account with the services.

You agree and understand that you are responsible for maintaining the confidentiality of your registration data. By providing us with your e-mail address, you agree to receive all required notices electronically, including through the services (such as by displaying links to notices generally on the site) or to your e-mail address. It is your responsibility to update or change that e-mail address, as appropriate.

4.2 Inactive Accounts

Accounts that have not been operated for a continuous period of twelve (12) months shall be classified as Inactive and blocked from further transactions in accordance with applicable exchange and depository guidelines. Re-activation shall be subject to re-KYC verification and compliance with applicable requirements.

5. REGULATORY COMPLIANCE

The Company is regulated by SEBI and is a member of NSE and BSE. All services offered through the Platform are subject to the rules, byelaws, regulations, and circulars issued by SEBI, stock exchanges, depositories, AMFI, and any other applicable regulatory authority, as amended from time to time. You agree to:

• Comply with all applicable laws, rules, regulations, and guidelines of India, including but not limited to the Securities Contracts (Regulation) Act, 1956; the SEBI Act, 1992; the Depositories Act, 1996; the Prevention of Money Laundering Act, 2002 (PMLA); and the Foreign Exchange Management Act, 1999 (FEMA);
• Ensure that all orders placed and transactions executed through the Platform are in strict compliance with applicable laws and exchange regulations;
• Not engage in any form of insider trading, market manipulation, front-running, circular trading, or any other activity that constitutes a violation of applicable securities laws;
• Provide accurate and truthful information in all dealings with the Company and Regulators;
• Ensure that any information disseminated through the Platform, whether by you or any authorised person on your behalf, complies with all applicable statutes, rules, regulations, and governmental orders of India.

The Company reserves the right to report any suspicious activity, unusual transactions, or potential regulatory violations to the appropriate authorities, including SEBI, exchanges, Financial Intelligence Unit (FIU), and law enforcement agencies, as required under applicable law.

6. ACCESS TO THE SERVICES

Subject to your compliance with these Terms and the completion of applicable KYC and account opening requirements, the Company grants you a limited, revocable, non-exclusive, non-transferable licence to access and use the Platform and its Content solely for your own lawful investment and trading purposes. This licence does not include:

• Any collection, aggregation, copying, duplication, scraping, or derivative use of the Platform or its Content;
• Use of data mining, crawlers, robots, spiders, or similar automated tools for any purpose, unless expressly permitted in writing by the Company;
• Commercial exploitation, redistribution, or sub-licensing of the Platform or its Content to any third party;
• Any use of the Platform in a manner that could damage, disable, overburden, or impair the Company's systems or interfere with any other party's use of the Services.

Any use of the Platform beyond the limited licence granted herein requires the prior written consent of the Company. A limited exception is provided to general-purpose internet search engines and non-commercial public archives that use automated tools solely to display hyperlinks to the Platform.

7. TRADING, BROKERAGE, AND TRANSACTION CHARGES

7.1 Brokerage and Charges

All brokerage rates, transaction fees, statutory levies, exchange transaction charges, SEBI turnover fees, stamp duty, STT (Securities Transaction Tax), GST, and other applicable charges are as set out in the Tariff Sheet forming part of the Client Registration Form, and as displayed on the pricing section of the Platform at www.bullsmart.in. These charges are subject to change, and any upward revision of brokerage will be communicated to Clients with at least 15 days' prior notice. All charges are subject to the maximum limits prescribed by SEBI, the exchanges, and the Government of India from time to time.

7.2 Payment for Trades and Settlements

The Client agrees and acknowledges the following with respect to payment obligations:

• All purchase transactions must be funded by the Client by the pay-in date prescribed by the relevant exchange clearing house for the applicable settlement cycle;
• No cash payments shall be accepted or made. All payments must be made through authorised electronic modes (RTGS, NEFT, UPI, Net Banking) from the Client's bank account registered with the Company, in accordance with SEBI/Exchange/PMLA/Income Tax regulations;
• Credits against sale proceeds shall be remitted to the Client's registered bank account within the settlement timelines prescribed by the relevant exchange;
• In the event of both purchases and sales during a settlement cycle on the same exchange, the amounts shall be netted and only the net balance shall be payable by or to the Client;
• Payments shall only be accepted from the Client's own registered bank accounts. The Company shall have the right to refuse, reverse, or return payments received from third-party accounts;
• Transaction fees and brokerage charges, once levied, shall not be refunded or reversed under any circumstances, including on account of refunds, reversals, chargebacks, or any other reason.

7.3 Default and Delayed Payment

In the event of default or delayed payment by the Client:

• Delayed payment interest shall be charged at the rate of up to 0.05% per day (or such other rate as may be prescribed by the Company from time to time) on outstanding dues beyond the due date, and shall be directly debited to the Client's account;
• The Company shall be entitled to liquidate or close out all or any of the Client's open positions and/or sell securities held as margin or in the Client's beneficiary account, without prior notice to the Client, to recover outstanding dues;
• All losses arising from such liquidation or close-out shall be borne solely by the Client;
• The Company's brokerage and other services may be suspended until outstanding dues are cleared and adequate margin is restored.

7.4 Risk Management and Exposure Limits

The Company operates a Risk Management System (RMS) in accordance with SEBI and exchange guidelines. The following conditions apply:

• Exposure limits are set by the Company based on the Client's available margin, pledged securities, financial profile, and trading pattern, and may be revised at any time without prior notice;
• The Company shall apply haircuts on approved securities offered as collateral, in line with SEBI/exchange requirements and the Company's internal risk policy;
• Clients shall comply with all applicable margin requirements, including SPAN margin, exposure margin, and mark-to-market (MTM) obligations;
• The Company reserves the right to square off positions or sell securities where margin falls below the required threshold, where MTM losses reach stipulated levels, or where open derivative positions are not squared off or converted to delivery within prescribed timelines;
• The Company is not obligated to guarantee the square-off of positions or the sale of securities in all circumstances, and the Client shall bear all resulting losses.

8. PAYMENT PROCESSING

Where applicable, certain payments on the Platform are processed through third-party payment processors ("Payment Processor"). The processing of such payments is subject to the terms, conditions, and privacy policies of the respective Payment Processor, in addition to this Agreement. You agree to:

• Pay all applicable charges at the prices then in effect, through the payment method registered with your Account;
• Be responsible for all taxes, duties, levies, and other governmental assessments associated with your transactions;
• Accept that the Company reserves the right to correct any errors or mistakes in billing, even if payment has already been requested or received.

The Company's Terms and Conditions, Privacy Policy, Refund Policy, pricing information, and contact details are maintained on the Platform and updated as required to ensure continued compliance with applicable banking and regulatory standards.

9. CONTENT ON THE PLATFORM

9.1 Nature of Content

The Platform may contain research reports, market commentary, news, educational material, analyst views, and other investment-related content (collectively, "Content"). You acknowledge and agree that:

• All Content is provided for informational and educational purposes only and does not constitute investment advice, a recommendation, or a solicitation to buy or sell any security;
• Content represents the views of the individual author or creator and does not necessarily reflect the views of the Company;
• The Company does not guarantee the accuracy, completeness, timeliness, or fitness for purpose of any Content on the Platform;
• You bear all risks associated with reliance on any Content, and the Company shall not be liable for any loss or damage incurred because of reliance on such Content;
• You may not republish, transmit, or distribute Content to bulletin boards, blogs, chat rooms, intranets, or any other platform without the prior written consent of the Company.

9.2 No Investment Advice

The Company is a SEBI-registered stockbroker and is not a SEBI-registered Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013. Nothing on the Platform constitutes personalised investment advice. Clients are advised to consult a SEBI-registered Investment Adviser before making investment decisions. The Company does not advise Clients personally on the nature, potential, value, or suitability of any particular security, portfolio, transaction, or investment strategy.

10. USER-GENERATED CONTENT

The Platform includes community features (including the Forum) through which Clients and registered users may post, share, and discuss investment-related content ("User Content"). By posting User Content, you agree that:

• You are solely responsible for all User Content you post and any consequences arising therefrom;
• You will not post User Content that is false, misleading, defamatory, unlawful, or in violation of any applicable law;
• You will not use the Forum or community features to provide investment advice, make stock recommendations, or disseminate insider information;
• You will not post content that infringes any patent, trademark, copyright, or other intellectual property right;
• You will not post content that promotes or facilitates market manipulation, pump-and-dump schemes, or any other activity prohibited by SEBI regulations;
• You grant the Company a non-exclusive, perpetual, worldwide, transferable, irrevocable, royalty-free licence to use, reproduce, store, publish, and distribute your User Content for operational and compliance purposes.

The Company does not pre-screen User Content but reserves the right to remove, refuse, or disable access to any User Content that violates these Terms or applicable law, without notice.

1. The Company also reserves the right to disclose User Content and associated information to: comply with applicable laws, regulations, or legal processes;
2. enforce the Agreement;
3. protect the Company's legal rights;
4. address safety concerns; or
5. report criminal or offensive conduct to the appropriate authorities.

11. THIRD-PARTY SERVICES AND LINKED PLATFORMS

The Platform may provide links or access to third-party websites, applications, products, or services ("Third-Party Services"), including payment gateways, data providers, research platforms, and technology partners. You acknowledge and agree that:

• Third-Party Services are not reviewed, controlled, endorsed, or sponsored by the Company;
• Your use of any Third-Party Service is entirely at your own risk and discretion;
• The Company is not responsible for the accuracy, availability, legality, or content of any Third-Party Service;
• The inclusion of any Third-Party Service link on the Platform does not constitute an endorsement of the owner, sponsor, or content of that service;
• You must comply with the terms and conditions and privacy policies of any Third-Party Service you use;
• The Company is not responsible for any trading, order placement, or other activity conducted through third-party brokerage accounts or platforms.

12. ACCOUNT INFORMATION FROM THIRD PARTIES

Where you authorise the Company to retrieve account information maintained by third parties with which you have existing relationships ("Account Information"), you acknowledge and agree that:

• By submitting login credentials, PINs, or other access information, you authorise the Company to retrieve and store your Account Information solely for the purpose of providing the Services;
• You represent and warrant that you are entitled to provide such information to the Company without any restriction or limitation from the relevant third party;
• The Company makes no representations regarding the accuracy, legality, or completeness of Account Information retrieved from third parties;
• The Company shall use and store Account Information in accordance with this Agreement and the Company's Privacy Policy.

13. COMMUNITY GUIDELINES

The Platform operates as an Intermediary under the Information Technology Act, 2000, read with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and all amendments thereto. The following Community Guidelines apply to all content posted on the Platform:

13.1 Prohibited Content

Users shall not post, share, or promote any content that:

• Constitutes hate speech, discrimination, or content that is racially, ethnically, or religiously offensive, or that targets any individual based on national origin, gender identity, sexual orientation, disability, or disease;
• Promotes, encourages, or facilitates terrorism, extremism, secession, violence, or activities threatening India's sovereignty, integrity, security, or defence;
• Contains graphic violence, torture, abduction, or other violent content targeting individuals or communities;
• Is sexually explicit, depicts sexual violence, or constitutes non-consensual intimate content of any kind;
• Involves or depicts child sexual abuse material (CSAM) in any form, including fictional depictions — Bullsmart has zero tolerance for such content and will cooperate fully with law enforcement authorities;
• Constitutes cyberbullying, harassment, stalking, impersonation, or invasion of another person's privacy without their explicit consent;
• Is false, misleading, or constitutes misinformation or fake news that could cause harm to individuals or organisations or undermine trust in democratic processes;
• Promotes self-harm, suicide, or other dangerous behaviours;
• Promotes or facilitates illegal activities, including money laundering, gambling, drug trade, firearms trade, or the sale of controlled substances or sexual services;
• Contains computer viruses, malware, spyware, ransomware, or any other malicious code;
• Uses unauthorised means (bots, scrapers, automated scripts) to access the Platform.

13.2 Investment-Related Prohibited Conduct

In addition to the general community guidelines above, the following conduct is strictly prohibited on the Platform:

• Posting or sharing content that constitutes investment advice, stock tips, or trading recommendations, unless made by a SEBI-registered Investment Adviser;
• Disseminating material non-public or insider information;
• Promoting specific securities in a manner designed to artificially influence market prices (including pump-and-dump activity);
• Making false or misleading statements about any listed company, its management, or its financial condition.

13.3 Intellectual Property

All intellectual property rights in the Platform — including software, interface design, databases, brand name, logos, and proprietary content — vest exclusively in the Company. You shall not reproduce, copy, modify, distribute, or create derivative works based on the Platform's intellectual property without the prior written consent of the Company.

You confirm that all Content you post on the Platform is owned by you or that you hold a valid licence to post it. By posting Content, you grant the Company a non-exclusive, perpetual, worldwide, irrevocable, royalty-free licence to use, reproduce, store, publish, and distribute such Content on the Platform and in connection with the Company's services. You acknowledge that the Company may retain and continue to use your Content after you remove it or terminate your use of the Platform, to the extent necessary for legal, regulatory, or archival purposes.

14. REPRESENTATIONS AND WARRANTIES

You represent, covenant, and warrant to the Company that:

• All information provided to the Company is true, accurate, and complete, and you will promptly update it if it changes;
• You have the legal capacity to enter into this Agreement and are not prohibited from doing so under any applicable law;
• All Content you post complies with applicable laws and does not infringe any third-party rights;
• You will use the Services only for lawful purposes and in accordance with these Terms;
• Your use of the Services does not and will not violate any applicable laws or regulations, including SEBI regulations, PMLA, and FEMA.

Bullsmart makes no warranties under this Policy. And Bullsmart expressly disclaims all warranties, expressed or implied, including but not limited to:

• express or implied warranties of merchantability, fitness for a particular purpose and non-infringement with respect to the Platform(s) or any other aspect;
• Warranties with respect to any and all content;
• warranties as to the quality or performance of the Platform(s), services, technology including but not limited to the availability of any advertisement; and
• warranties that the Platform(s) and/or the services offered by it will be uninterrupted, timely, or error-free.

Bullsmart makes no warranties with respect to the Platform.

15. INDEMNITY

You agree to indemnify, defend, and hold harmless the Company, its affiliates, directors, officers, employees, agents, and business partners from and against any and all claims, demands, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of or access to the Services;
• Any Content posted or transmitted by you through the Platform;
• Your violation of these Terms or any applicable law or regulation;
• Any trading loss, default, or breach of your settlement obligations;
• Any claim by a third party arising from your conduct on the Platform.

16. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, the Company and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, goodwill, or other intangible losses, arising from:

• Your access to, use of, or inability to access or use the Platform;
• Any conduct or content of any third party on the Platform;
• Losses arising from market volatility, system downtime, or exchange halts beyond the Company's reasonable control;
• Unauthorised access to, or use or alteration of, your transmissions or data.

In no event shall the Company's aggregate liability to you for all claims relating to the Platform exceed ₹5,000/- (Rupees Five Thousand only). This limitation of liability forms part of the basis of the agreement between the parties and shall apply to all claims of liability, whether in warranty, tort, negligence, contract, or otherwise, even if the Company has been advised of the possibility of such damage.

Nothing in these Terms shall exclude or limit the Company's liability for fraud, wilful misconduct, or death or personal injury caused by negligence.

17. DISPUTE RESOLUTION AND GOVERNING LAW

Any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or any transaction conducted through the Platform shall be resolved in accordance with the following:

• Clients are encouraged to first raise their grievance with the Company through the grievance redressal mechanism described below;
• If unresolved, disputes may be referred to SEBI's SCORES (SEBI Complaints Redress System) portal at https://scores.sebi.gov.in or the relevant stock exchange's investor grievance cell;
• Disputes may also be submitted to arbitration in accordance with the rules and bye-laws of the relevant stock exchange (NSE/BSE), as mandated by SEBI;
• These Terms shall be governed by and construed in accordance with the laws of India. Subject to the mandatory arbitration requirements under exchange regulations, the courts of Bengaluru, Karnataka shall have exclusive jurisdiction.

18. ACCOUNT SUSPENSION AND CLOSURE

The Company reserves the right to suspend, restrict, or close a Client's Account under the following circumstances:

• On receipt of directions from SEBI, stock exchanges, depositories, courts, or other competent authorities;
• Where the Client has breached these Terms, the Member-Client Agreement, or any applicable law or regulation;
• Where the Client has provided false or misleading information;
• Where there is suspected involvement in money laundering, fraud, or any other illegal activity;
• Where the Account has been inactive for twelve (12) consecutive months.

A Client may also request voluntary suspension or closure of their Account at any time by submitting a written request to the Company, subject to clearance of all outstanding dues, positions, and settlement obligations. Suspension or closure shall not affect any liabilities or obligations of the Client arising from transactions entered into prior to such suspension or closure.

19. GRIEVANCE REDRESSAL

The Company has appointed a Grievance Officer / Compliance Officer in accordance with applicable SEBI and IT Act regulations. If you have any grievance regarding the Services, a transaction, or the use or management of your personal or sensitive financial data, please contact:

Grievance / Compliance Officer: Ms. Subhra Simantinee
Email: [email protected]
Registered Address: Bullsmart, Startup Huts, 3rd Floor, Unit-2, #109, 27th Main, Sector-2, HSR Layout, Bengaluru, Karnataka -- 560102
Website: www.bullsmart.in

Grievances will be acknowledged within 3 business days and addressed within 30 days of receipt. If you are not satisfied with the resolution, you may escalate your grievance to SEBI through the SCORES portal at https://scores.sebi.gov.in or to the relevant stock exchange.

20. GENERAL PROVISIONS

20.1 Entire Agreement

These Terms, together with the Privacy Policy, Risk Disclosure Document, Member-Client Agreement, and all other policies published on the Platform, constitute the entire agreement between you and the Company with respect to the subject matter herein and supersede all prior agreements, representations, and understandings.

20.2 Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. The remaining provisions of these Terms shall continue in full force and effect.

20.3 Waiver

No failure or delay by the Company in exercising any right or remedy under these Terms shall constitute a waiver of that right or remedy. A waiver shall only be effective if made in writing and signed by an authorised representative of the Company.

20.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without the prior written consent of the Company. The Company may assign its rights and obligations under these Terms to any affiliate, successor, or acquirer without your prior consent.

20.5 Force Majeure

The Company shall not be liable for any failure or delay in performing its obligations under these Terms to the extent caused by circumstances beyond its reasonable control, including acts of God, natural disasters, war, civil unrest, strikes, government actions, or exchange/regulator-imposed trading halts or circuit breakers.

20.6 Acceptance of this Policy

By downloading, installing, and accessing/using the Platform and services, You are signifying Your acceptance of this Privacy Policy. If You do not agree to this Privacy Policy, You shall not download, install, access or use the Platform and services. Your continued Access or Use of the Platform and services following the posting of changes to this Privacy Policy will be deemed to be the acceptance of such changes.

21. RISK DISCLOSURE AND DISCLAIMER

INVESTMENTS IN SECURITIES MARKETS ARE SUBJECT TO MARKET RISK. READ ALL RELATED DOCUMENTS CAREFULLY BEFORE INVESTING. PAST PERFORMANCE IS NOT AN INDICATOR OF FUTURE RETURNS. BROKERAGE WILL NOT EXCEED SEBI PRESCRIBED LIMITS.

Skywards Investec Private Limited (Bullsmart) is a SEBI-registered stock broker and is not responsible for investment decisions made by Clients based on information or Content available on the Platform. All trading and investment decisions are made at the sole risk of the Client.