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Terms of Use

Last updated · 29 September 2026

These Terms of Use (“Terms”) are a binding agreement between you and THINKCREATIVE TECHNOLOGIES (OPC) PRIVATE LIMITED (“FlashTerminal”, “we”, “us”, “our”). We are a company incorporated in India under the Companies Act, 2013, with CIN U72900AS2020OPC019996 and our registered office at H.No-291B, Ujangram, Silchar, Cachar, Assam 788025, India.

Please read them together with our:

If you join our affiliate program, the Affiliate Program Agreement also applies.

1. Acceptance and the documents that make up this agreement

1.1 How you accept. You accept these Terms by ticking the box or tapping the button that says you agree. We ask at sign-up, at purchase, and when we ask you to accept an updated version. We record which version you accepted and when. If you only browse our websites without an Account, these Terms apply to that use. If you do not agree, do not use the Services.

1.2 Which document governs what. The following documents form one agreement:

Topic Governing document
How we handle personal data Privacy Policy
Payments, plan periods, cancellations, refunds, Coins and coupons Refund & Cancellation Policy
Market, product, automation and AI risks Risk Disclosure & Disclaimer
The affiliate program (partners only) Affiliate Program Agreement
Everything else These Terms

If two documents conflict, the document listed for that topic prevails. These Terms prevail on everything else.

1.3 Language. These Terms are written in English. The app is available in several Indian languages, and some text in it, including AI output, may be machine-translated. Translations are for convenience. If a translation differs from the English version, the English version prevails, except where the law requires otherwise. Whatever language you use, check order details before you confirm.

1.4 Electronic records. These Terms are an electronic record under the Information Technology Act, 2000, and need no physical or digital signature. Your acceptance, confirmations, order confirmations and in-app choices are valid and binding under section 10A of that Act. Our electronic records of them are evidence of what you accepted or instructed.

2. Definitions

  • Services: all of the following:
    • the website flashterminal.com and its subdomains (including app.flashterminal.com, affiliates.flashterminal.com and downloads.flashterminal.com);
    • any other website, domain or interface we operate under the FlashTerminal name;
    • the FlashTerminal mobile, desktop and web applications;
    • every feature, tool, piece of content and support channel we provide through them.
  • Account: your FlashTerminal user account.
  • Broker: a third party with which you hold your own account and which you choose to connect to FlashTerminal. This may be a SEBI-registered stockbroker, or a crypto derivatives exchange.
  • Broker Connection: the link you authorise between your Account and your account at a Broker.
  • AI Features: features that use artificial intelligence to answer questions, summarise information, build views or prepare actions. They include the AI Copilot and the Agentic Terminal.
  • AI Output: text, code, charts, views or draft orders that an AI Feature generates.
  • Automated Rule: a rule you set up that places, changes or exits orders when its conditions are met, without a new confirmation each time.
  • Content: market data, research tiles, news, charts, analytics, AI Output and any other information shown in the Services.
  • Coins: the usage credits described in section 10.4.
  • Plan: a free or paid subscription tier.
  • Simulated Features: the Virtual Portfolio, the Paper Trading Terminal and any other feature that uses virtual money.

3. Eligibility

3.1 Age and capacity. You must be at least 18 years old, and legally able to enter into a binding contract under Indian law. The Services are not meant for anyone under 18.

3.2 Where you use the Services. The Services are designed for residents of India.

  • Outside India. If you are a non-resident Indian, or you use the Services from outside India, you must make sure your use and your Broker account are permitted under the laws that apply to you and under your Broker’s rules. These laws include the Foreign Exchange Management Act, 1999. Some features may not be available outside India.
  • Sanctions. You must not use the Services if you are named on a sanctions list that applies to us or to our providers. You must also not use them from a country or region under comprehensive sanctions, or on behalf of anyone there.

3.3 Barred users. You must not use the Services if a law bars you from them, or if we have previously terminated your Account for breach.

4. What FlashTerminal is, and what it is not

4.1 What we are. FlashTerminal is a software and information platform. It brings market data, research and your connected Broker accounts into one interface. It lets you send instructions to your Broker through that Broker’s official interfaces.

4.2 We are not registered with SEBI in any capacity. FlashTerminal is not registered with the Securities and Exchange Board of India (SEBI), or approved or endorsed by any regulator, exchange or Broker. It is not:

  • an investment adviser or research analyst;
  • a stockbroker, sub-broker or authorised person;
  • an algo provider empanelled with any stock exchange;
  • a portfolio manager, mutual fund distributor or depository participant;
  • a stock exchange or clearing corporation.

FlashTerminal does not itself exchange, transfer, hold or safekeep virtual digital assets, and does not operate a crypto exchange.

4.3 We do not give investment advice or recommendations. Nothing in the Services is a recommendation, solicitation or offer to deal in any security, derivative, commodity or crypto asset, or advice suited to your circumstances. This includes Content and AI Output. We do not issue tips, calls or targets, and we do not promise any return. Where the Services describe a historical pattern or level, such as a valuation range, that is a description of the past, not a view on what you should do.

4.4 We never hold your trading funds, securities or crypto assets. They stay with your Broker. Every real order is executed, cleared and settled by your Broker, under your agreement with that Broker.

4.5 Your decisions are yours. You alone decide whether to trade, what, when and how much. You are responsible for every decision and its result.

4.6 People who promote us speak for themselves. Anyone promoting FlashTerminal speaks only for themselves, including our affiliate partners. They cannot give advice, tips or promises of returns on our behalf. If anyone does, please report it to connect@flashterminal.com.

5. Your Account

5.1 Accurate information. You must give accurate information and keep it up to date.

5.2 Keeping it secure. You must keep your sign-in methods, devices and any codes secure.

  • Your responsibility. You are responsible for activity under your Account that results from your not doing so.
  • Our responsibility. You are not responsible for activity caused by a security failure on our side.
  • Tell us. If you suspect unauthorised use, tell us at once at connect@flashterminal.com.

5.3 One person per Account. An Account is personal to you. Do not share it, sell it or let anyone else use it. Family members and colleagues each need their own Account, even when they share a device or a Broker account.

5.4 Verification. We may refuse to create an Account, or require extra verification, where we reasonably suspect fraud, misuse or a legal risk.

5.5 How we contact you. We send service messages by email, SMS, push notification and in-app message. These include sign-in codes, receipts, security alerts, the alerts you set up, and notices about these Terms.

  • Service messages. You cannot opt out of essential service messages while you have an Account.
  • Marketing. We send marketing only with your consent, and you can withdraw it at any time. We do not send commercial SMS or make commercial calls against your do-not-disturb preferences under TRAI’s regulations.
  • Alerts can fail. Alerts can be delayed or fail, so do not rely on them as your only way of watching positions.

5.6 Devices and sessions. You may use your Account on your own devices. For security, we keep a record of recent devices. We may also limit the number of devices or simultaneous sessions, and sign out old sessions.

6. Broker Connections

6.1 Your Broker relationship is yours. Opening, funding, running and closing your Broker account are matters between you and your Broker. So is complying with your Broker’s terms, margin rules and risk policies.

6.2 What you authorise. When you connect a Broker, you authorise us to access your Broker account through the Broker’s official interfaces, only to provide the features you use. This includes:

  • reading holdings, positions, orders, funds and market data;
  • passing on the instructions you give.

6.3 How a Broker Connection works. This depends on the Broker and the connection type:

  • Broker-hosted sign-in. You sign in on the Broker’s own page. For some connection types we hold no Broker credentials at all.
  • Details you enter in the app.
    • Some Brokers’ official interfaces require you to enter an API key and secret. These are stored encrypted on your device.
    • Some Brokers (currently Angel One and Kotak Securities) also require your trading PIN or MPIN and a one-time code, or a TOTP secret that generates those codes. The app sends these from your device directly to the Broker to open a session, never to our servers. They are kept only in the app’s memory while it runs, and are not saved to storage.
  • Session tokens. The session your Broker issues is kept on your device. For some connection types, the session token and your Broker user ID are also stored on our servers, so the connection keeps working. If you choose the optional cloud backup, an encrypted copy of your key, secret and token is stored on our servers. We delete what we hold when you disconnect.

Our Privacy Policy (section 2.3) explains each case. We never ask for the password you use to sign in to your Broker’s website or app. If you enter a TOTP secret, anyone who can use your unlocked device may be able to open a session with your Broker; enter it only if you accept that risk.

6.4 Disconnecting. You can disconnect a Broker at any time in the app. You can also revoke access in your Broker’s own settings.

6.5 What we do not control. Brokers, exchanges and their interfaces are outside our control. We are not responsible for their downtime, rejections, limits, errors, rule changes or charges.

6.6 Your Broker’s records prevail. Your Broker’s records of orders, trades, balances and positions are the official record. If the Services show something different, your Broker’s records prevail.

7. Orders and automation

7.1 You are in control of every order. Orders reach your Broker in only two ways:

  • (a) Your confirmation. You review and confirm an order in the app, or a set of orders shown to you together on one confirmation.
    • AI-prepared orders. When an AI Feature prepares an order, nothing is sent until you confirm, and each further step needs a new confirmation.
    • Sets of orders. A set is sent one order at a time. Later orders may fill at different prices, and the set stops part way if the result of an order is unclear.
    • Conditional orders. An order you confirm may be a conditional order held by your Broker, such as a stop-loss, GTT or OCO order. Your Broker executes it later, when its conditions are met, without asking you again.
  • (b) An Automated Rule you set up yourself (crypto derivatives only). Where a feature lets you set up an Automated Rule on a supported crypto derivatives exchange, the rule places, changes or exits orders whenever the conditions you set are met, without asking you again each time.
    • Not for Indian exchanges. Automated Rules are not available for securities or commodity derivatives traded on Indian stock exchanges.
    • Your choices. You choose each rule’s instrument, size, conditions and limits; the Services do not choose them for you.
    • Your switch. A rule runs only after you switch it on, and we record when you switch it on and off.
    • Your responsibility. You are responsible for the orders your rules place.

7.2 We do not trade for you. FlashTerminal does not trade on your behalf at its own discretion. It does not sell, manage or recommend investment strategies. Some features are order tools, such as ladder, pyramid or option-structure calculators, templates and rankings. They calculate orders or sort choices from inputs you select. Their output is arithmetic, not a recommendation, and you decide whether to place any order they produce.

7.3 Indian securities and SEBI’s API framework. For securities and derivatives traded on Indian stock exchanges, FlashTerminal does not provide or run any algorithm, automated strategy or Automated Rule. Orders are sent only when you confirm them. FlashTerminal is not an algo provider empanelled with any stock exchange.

  • How your Broker may treat these orders. Under SEBI’s framework for retail algorithmic trading, and the exchanges’ standards implementing it, orders placed through a Broker’s API may be treated as API or algorithmic orders. Your Broker may require registration, a static IP address, an algo identifier or other controls, or may reject such orders.
  • Your compliance. Your use of a Broker Connection must comply with your Broker’s rules and all applicable regulations. If your Broker tells you that your use is not permitted, stop placing orders through that Broker Connection and tell us.

7.4 Orders can go wrong. Orders can be delayed, partly filled, rejected, duplicated, or executed at a price different from what you expected. Causes include network conditions, market movement, Broker or exchange systems, and software errors. Always check the order status and your positions with your Broker, and contact your Broker at once about any unexpected order.

7.5 Checks are aids only. Risk checks, limits and warnings in the Services are aids only. They do not guarantee that an order is suitable, correct or within your means.

7.6 If an order is wrong or unexpected. Contact your Broker at once, because only your Broker can cancel, reverse or investigate an executed order.

  • Tell us. Email connect@flashterminal.com with the subject “Order dispute”. Include the date, time, instrument and Broker order ID.
  • What we do. We will look into it within the timelines in section 24. We will share the records we hold, such as your confirmation and when it was made, and cooperate with your Broker and any authority investigating.

7.7 When Automated Rules run, and when they stop. An Automated Rule runs inside the FlashTerminal app, on a device you have enabled for it. It works only while all of these are true:

  • the app is open and signed in on that device;
  • the device is online;
  • your Broker session is valid;
  • the feature is switched on at our end.

If any of these stops, the rule stops without warning. For example, you close the app, the device sleeps or goes offline, your Broker session expires, or we pause the feature for security, a fault or a legal reason. While stopped, the rule does not place, change or exit any order, including an exit or stop-loss you expected it to place.

Your open positions stay open at your Broker. If you need protection that works while the app is not running, place stop-loss or other protective orders directly with your Broker.

We may limit the number of rules, orders or instruments a rule can use, and we may pause or switch off Automated Rules at any time. We will tell you in the app when we do.

8. AI Features

8.1 AI can be wrong. AI Output is generated automatically and can be wrong, incomplete, out of date or inconsistent. It is information to help you research, never advice. Verify anything important with the original source before you rely on it.

8.2 What AI Features can read. When you use an AI Feature, it may read the page you are on to answer your request. On pages where the feature allows it, it may also read data from your connected Broker accounts. Our Privacy Policy explains what is sent to AI providers and what is stored.

8.3 Misuse. You must not use AI Features to produce unlawful or misleading content, or content that presents itself to others as investment advice.

8.4 Limits and changes. AI Features may be subject to usage limits or use Coins (section 10.4). We may change, limit or withdraw AI Features, or the models behind them, at any time.

8.5 Using AI Output. As between you and us, you may use AI Output generated for you for your own purposes, subject to these Terms and the rights of others.

  • Not unique. AI Output may be similar to output generated for other users. We do not claim that it is unique or free of third-party rights.
  • Not advice. You must not present AI Output as advice or research from FlashTerminal or from a SEBI-registered person.

8.6 Fair use. AI Features are for individual use at a human pace. We may set limits on requests, message length, attachments and concurrent sessions. We may also slow down or pause use that is automated or excessive, or that harms the service for others.

9. Content and market data

9.1 Where Content comes from. Content comes from:

  • stock exchanges and index providers;
  • data vendors and Brokers;
  • public and government sources;
  • news publishers;
  • our own calculations.

Where it matters, we show the source and whether data is live, delayed or end-of-day. Content may be delayed, estimated, incomplete or wrong. It is provided for information only.

9.2 Personal use only. You may view Content in the Services for your own personal, non-commercial use. We grant you only the rights our suppliers allow us to grant. You must not:

  • copy, redistribute, resell, publish, broadcast or scrape Content, or build databases from it;
  • show it to others for a professional or commercial purpose;
  • use it to run a competing service.

9.3 Suppliers’ terms. Some Content is subject to terms set by the exchange, index provider or vendor that supplies it.

  • They apply to you. Those terms apply to you as if they were written here, and they prevail over these Terms for that Content.
  • They can restrict access. Our suppliers may require us to change, restrict or remove Content, or to restrict your access, at any time.

9.4 Third-party names. The names and marks of exchanges, indices, Brokers and other third parties belong to their owners. Showing them does not mean the owner endorses FlashTerminal or works with us.

10. Plans, payments, Coins and coupons

10.1 Plans. Some features need a paid Plan. Before you pay, we show each Plan’s features, price and period. Plans are currently prepaid, and do not renew automatically (see the Refund & Cancellation Policy).

10.2 Payments. Payments are handled by third-party payment gateways, or by the Apple App Store or Google Play when you buy in those apps. Store purchases are also subject to the store’s terms.

  • The price shown is what you pay. The price shown at checkout is the total you pay, including any GST that applies.
  • Invoices and receipts. We issue an invoice or receipt for every purchase made with us. For store purchases, the store issues the receipt.

10.3 Refunds. Plan periods, cancellations and refunds are governed by the Refund & Cancellation Policy.

10.4 Coins. Coins are usage credits for AI Features and other usage-based features. You may receive them with a Plan, as a welcome or promotional grant, or buy them separately. Coins:

  • have no cash value, and are not money, a deposit, a wallet or a payment instrument;
  • can be used only in the Services, on the Account that received them;
  • cannot be sold, transferred or exchanged for money, except for a refund under the Refund & Cancellation Policy;
  • are used at the rates we show in the app;
  • do not expire while your Account is open, unless the offer that granted them states an expiry.

A request can use more Coins than your balance. If it does, your balance becomes negative, and the shortfall is taken from the next Coins you receive. We may remove Coins from a purchase that is refunded or reversed, from when we learn of it, and remove promotional Coins obtained by misuse. Unused Coins end when your Account is deleted.

10.5 Coupons. Coupons are governed by section 2.6 of the Refund & Cancellation Policy.

10.6 Price changes. We may change prices. A change applies only to purchases made after it takes effect, never to a period you have already paid for. For App Store and Google Play purchases, the store’s rules on price changes also apply.

11. Simulated Features

  • No real money. Simulated Features use virtual money. Simulated results do not reflect real execution, costs, slippage or liquidity, and they say nothing about how real trades would perform.
  • Virtual balances. Virtual balances have no value, cannot be transferred or exchanged, and may be reset.
  • No prizes. We do not offer prizes or rewards based on simulated results, unless a specific offer says so.

12. Acceptable use

12.1 What you must not do. You must not, and must not help anyone else to:

  1. break any law, or manipulate or attempt to manipulate any market, for example by spoofing, layering, or circular or wash trading;
  2. use the Services for money laundering, fraud or financing unlawful activity;
  3. share, sell or rent your Account, or access another person’s Account or Broker account without their authority;
  4. copy, scrape, crawl, mirror or bulk-download the Services or Content, or use them to train AI models;
  5. reverse engineer, decompile or tamper with the Services, or bypass security, rate limits, usage limits or payment;
  6. use bots, scripts or automated access, other than the features we provide for that purpose;
  7. upload malware, overload our systems, or probe them for vulnerabilities, except as section 25 (security research) allows;
  8. present FlashTerminal output to others as your own investment advice or research, or claim that FlashTerminal endorses you;
  9. impersonate FlashTerminal, our staff or any other person, or misuse our name or logo;
  10. post or send unlawful, abusive, defamatory, obscene or infringing material through the Services, including in support chats;
  11. trade on unpublished price-sensitive information, or share it with an AI Feature, in breach of the SEBI (Prohibition of Insider Trading) Regulations, 2015, or front-run anyone’s orders;
  12. use the Services to give investment advice, research, tips or portfolio management to others for a fee or other benefit, unless you are registered with SEBI to do so, or place orders for other people’s accounts;
  13. resell or share access to paid features or Coins, or run more than one Account to get more free Coins or coupon benefits;
  14. evade sanctions, or use the Services from a place where their use is unlawful.

12.2 Rate limits. The Services, and our Brokers’ and data suppliers’ interfaces, have rate and usage limits. We may slow down, queue or reject requests that exceed them. Your Broker’s own API limits also apply, and it may reject orders that exceed them.

13. Your content

13.1 You own Your Content. You own what you put into the Services (“Your Content”). This includes prompts, uploaded files, notes, journals, watchlists and support messages.

13.2 The licence you give us. You give us a non-exclusive licence to host, process, transmit and display Your Content. We may use it:

  • only as needed to provide, secure and support the Services, including through the service providers named in our Privacy Policy;
  • to improve the Services, in aggregated or de-identified form, as our Privacy Policy allows.

We do not use Your Content to train AI models, and where our AI providers give us that choice, we do not allow them to. The licence ends when Your Content is deleted, except where the law requires us to keep it.

13.3 Your rights to share it. You confirm you have the right to share Your Content, and that it does not infringe anyone’s rights.

13.4 Feedback. If you send us ideas, suggestions or feedback, you give us a free, perpetual, worldwide licence to use them for any purpose, without owing you anything. We will not name you publicly as their source without your consent.

14. Intellectual property and the apps

14.1 Ownership. The Services belong to us or our licensors, and are protected by law. This includes the software, design, names, logos, trade marks and text, and our compilations of data. We give you a limited, personal, revocable, non-transferable licence to use the Services under these Terms. We keep all other rights.

14.2 Licence to the apps. We grant you a limited, non-exclusive, non-transferable, revocable licence to install and use the FlashTerminal mobile and desktop apps on devices you own or control, for your own use under these Terms. Download desktop apps only from flashterminal.com, downloads.flashterminal.com or an official app store.

14.3 Open-source components. The apps include open-source software. Each component is licensed under its own licence, which the app shows. Where an open-source licence gives you rights that these Terms would otherwise restrict, the open-source licence prevails for that component.

14.4 Apple. If you downloaded the app from the Apple App Store:

  • Parties. These Terms are between you and us, not Apple.
  • Support. Apple has no duty to provide maintenance or support.
  • Warranty. If the app fails to meet an applicable warranty, you may notify Apple, which may refund the purchase price. Apple has no other warranty obligation.
  • Claims. We, not Apple, are responsible for handling claims about the app. These include product liability, legal or regulatory compliance, consumer protection and intellectual property infringement claims.
  • Embargoes. You confirm you are not in a country subject to a U.S. Government embargo, and are not on any U.S. Government list of prohibited or restricted parties.
  • Third-party terms. You must comply with applicable third-party terms, such as your mobile data agreement.
  • Beneficiaries. Apple and its subsidiaries are third-party beneficiaries of these Terms, and may enforce them against you.

14.5 Google Play. If you downloaded the app from Google Play, Google Play’s terms also apply to that download and to purchases made through Google Play.

14.6 Infringement complaints. If you believe that anything in the Services infringes your copyright or other rights, email connect@flashterminal.com with the subject “IP complaint”. Include:

  • your name and contact details;
  • the work or right concerned, and proof that you own it;
  • where the material appears in the Services;
  • a statement that the information is accurate, and that you are the owner or authorised to act for them.

We acknowledge within 48 hours. Where the complaint is valid, we remove or disable access to the material, including as the Copyright Act, 1957 and the Copyright Rules, 2013 require. If material you posted is removed, we tell you, and you may respond.

15. Third-party services

15.1 Their terms, not ours. The Services link to or rely on third parties. These include Brokers, exchanges, payment gateways, app stores, sign-in providers and AI providers. Their services are governed by their own terms and privacy policies, and we are not responsible for them.

15.2 Your Broker’s terms prevail. Your Broker’s terms apply to everything you do through a Broker Connection, including the terms of its API or connection service. If they conflict with these Terms on how you may use that Broker’s services, the Broker’s terms prevail.

16. Changes, availability and support

16.1 Changes to the Services. We may add, change, suspend or remove features.

  • Mandatory updates. Some updates are mandatory. The app may require you to install an update, including a code update delivered inside the app, before you can continue.
  • Beta features. Features labelled beta, preview or experimental may change or stop without notice, and may be unreliable. Do not rely on them for time-critical trading.
  • Refunds for removed features. If we remove a core paid feature during a period you have paid for, the Refund & Cancellation Policy explains your options.

16.2 Availability. We work to keep the Services available, but we do not guarantee any level of uptime or response time. There may be planned maintenance or unplanned outages, including during market hours.

16.3 Support. Support is provided through in-app chat and at connect@flashterminal.com. Support staff cannot place, change or cancel orders for you, and they never ask for your Broker password, PIN or one-time codes.

17. Suspension, termination and deletion

17.1 You can leave. You may stop using the Services at any time, and ask us to delete your Account as described on our Account Deletion page.

17.2 When we may suspend or restrict. We may suspend or restrict your Account or any feature in these cases:

  • you breach these Terms;
  • the law or an authority requires it;
  • we reasonably suspect fraud, abuse, a security risk or a risk to other users.

We act in proportion to the issue. Where practical and lawful, we tell you why in advance and give you a chance to respond; otherwise, we tell you promptly afterwards.

17.3 Failed or disputed payments. If a payment fails or is disputed, we may pause the paid features linked to that payment, as section 7 of the Refund & Cancellation Policy explains. We do not close your Account only because a payment dispute is open.

17.4 Termination. We may terminate your Account for a serious or repeated breach, or where the law requires. If we end a paid Plan bought from us for any reason other than your breach, we refund the unused part of the period you paid for.

17.5 Your content before closure. Before we close your Account, we give you a reasonable chance to download or copy Your Content, unless the law or a security risk prevents it.

17.6 Orders and rules after closure. When your Account is suspended, terminated or deleted, your Automated Rules stop. Orders already sent to your Broker, including pending and conditional orders, stay at your Broker until you cancel them there.

17.7 What continues to apply. On termination, your right to use the Services ends. The following continue to apply, together with any other term that by its nature should continue:

  • sections 4, 7, 8.1, 9, 10.4 and 11;
  • sections 13 to 15;
  • sections 18 to 25.

17.8 Legal requirements. We may take steps that the law or an authority’s lawful request requires. The laws involved include the Prevention of Money-laundering Act, 2002, sanctions law and tax law. Such steps include verifying your identity, keeping records, reporting, and suspending access.

18. Disclaimer of warranties

The Services are provided “as is” and “as available”.

  • No warranties. To the maximum extent the law allows, we disclaim all warranties, express or implied. These include merchantability, fitness for a particular purpose, accuracy, and uninterrupted or error-free operation.
  • Content and orders. We do not warrant that Content or AI Output is accurate, complete or current. Nor do we warrant that any order will be executed as you expect.

19. Limitation of liability

19.1 Trading losses. We are not liable for any trading or investment loss, lost profit or lost opportunity, except to the extent it is directly caused by one of these:

  • our breach of these Terms;
  • our negligence;
  • a defect in the Services that we knew about and did not fix, or warn you about, within a reasonable time.

19.2 Loss we did not cause. We are not liable for loss caused by:

  • market movements;
  • your decisions, instructions or Automated Rules;
  • a Broker, exchange, payment gateway, app store, AI provider or other third party;
  • internet or power failures;
  • your own devices, credentials or settings.

19.3 Indirect loss. We are not liable for indirect or consequential loss that was not reasonably foreseeable when you accepted these Terms.

19.4 Our maximum liability. To the maximum extent the law allows, our total liability for all claims relating to the Services is limited to the higher of:

  • (a) the fees you paid for the Services, directly or through an app store, in the three months before the event giving rise to the claim; and
  • (b) ₹5,000.

19.5 What we cannot limit. Nothing in these Terms limits liability for fraud, wilful misconduct or gross negligence. Nor does it limit any liability or consumer right that the law does not allow to be limited, including under the Consumer Protection Act, 2019.

20. Indemnity

20.1 When you compensate us. You will compensate us, our directors and staff for losses, penalties and reasonable legal costs arising from a claim by a third party or action by an authority. This applies to the extent the claim is caused by:

  • your breach of these Terms or of the law;
  • Your Content;
  • your use of a Broker Connection in breach of your Broker’s terms.

20.2 When you do not. This does not apply to the extent the claim is caused by our own breach or negligence.

20.3 Handling a claim. We will tell you promptly about any such claim, and let you take part in responding to it.

21. Force majeure

21.1 Events beyond our control. We are not responsible for failure or delay caused by events beyond our reasonable control. Examples include natural disasters, epidemics, war, riots, government or regulatory action, exchange or Broker outages, and power or internet failures.

21.2 Cyberattacks. These also count, unless the attack succeeded because we did not maintain reasonable security practices.

21.3 What we still do. We will tell you, and restore the Services, as soon as reasonably possible. Force majeure does not remove any refund due under the Refund & Cancellation Policy.

22. Changes to these Terms

22.1 New versions. We may update these Terms. We post the new version here with its date.

22.2 Notice. If a change materially affects your rights, we tell you in advance by email or in the app. The change applies from the date we state, which is at least 15 days after our notice, unless it is required by law or made for security reasons.

22.3 Your options. If you do not agree, stop using the Services. If a change materially reduces the features of a Plan you have already paid for, or materially increases your obligations, you may cancel within 30 days of our notice. For Plans bought from us, we then refund the unused part of your paid period. For store purchases, the store’s process applies.

22.4 Acceptance. Continuing to use the Services after the change takes effect means you accept it. Where the law requires, we ask you to accept the new version.

23. Governing law and disputes

23.1 Governing law. These Terms are governed by the laws of India.

23.2 Contact us first. Please contact us first, so we can try to resolve any issue (see section 24).

23.3 Courts. Subject to 23.4, the courts at Silchar, Assam have exclusive jurisdiction over any dispute.

23.4 Your consumer rights. Nothing in this section limits your rights as a consumer:

  • to file a complaint before a consumer commission under the Consumer Protection Act, 2019, including the one where you live or work;
  • to use any other remedy the law gives you.

24. Grievance Officer and contact

For any question, complaint or grievance about the Services, including about data protection, contact:

Grievance Officer, THINKCREATIVE TECHNOLOGIES (OPC) PRIVATE LIMITED H.No-291B, Ujangram, Silchar, Cachar, Assam 788025, India Email: connect@flashterminal.com (subject line: “Grievance”)

We acknowledge each grievance within 48 hours and give it a reference number. We resolve it within 30 days of receipt, or sooner where the law requires.

If you are not satisfied, you may:

  • contact the National Consumer Helpline (1915, or consumerhelpline.gov.in);
  • approach a consumer commission;
  • for personal data, complain to the Data Protection Board of India.

25. General

  • Entire agreement. These Terms, the documents in section 1.2, and any terms shown to you at checkout or for a specific offer are the entire agreement between you and us about the Services. This does not limit any statement in our advertising or product listings that the law makes binding on us.
  • Relationship. Nothing in these Terms makes us your agent, adviser or fiduciary, or your Broker’s agent.
  • Severability. If any part is found unenforceable, the rest stays in force.
  • No waiver. Not enforcing a right is not a waiver of it.
  • Assignment. You may not transfer your rights under these Terms. We may transfer ours as part of a merger, acquisition or sale of assets, and will tell you if we do.
  • Notices. We send notices to the email linked to your Account, or show them in the app. A notice is given when it is sent or shown. Send notices to us at connect@flashterminal.com. Legal notices must also be sent by post to our registered office.
  • Publicity. We will not use your name, image, trades or testimonial in marketing without your prior consent, which you can withdraw. You must not say or imply that FlashTerminal endorses you, your content or your results.
  • Security research. If you find a vulnerability, report it to connect@flashterminal.com with the subject “Security”, and give us a reasonable time to fix it before you disclose it.
    • Rules. Do not access other users’ data, disrupt the Services, place real orders, or keep data you obtain.
    • Our promise. If you follow these rules and act in good faith, we will not bring a claim against you for the research.