TERMS OF SERVICE

Website: review.startuperr.com
Version: 1.0
Effective Date: [Insert Date]

These Terms of Service (“Terms”) constitute a legally binding agreement between MyQuestionBox Education OPC Private Limited, a company incorporated under the laws of India and having its registered office at B902, Vicinia, Chandivali, Powai, Mumbai – 400072, Maharashtra, India (“Company”, “MyQuestionBox”, “we”, “us” or “our”), and the person or legal entity accessing or using the Platform (“User”, “you” or “your”).

The Company owns and operates the software platform available through review.startuperr.com, together with its associated applications, dashboards, features, reports, artificial intelligence functionality, integrations and related services. These Terms govern your access to and use of the Platform and all Services made available through it.

By creating an account, accepting these Terms electronically, purchasing or renewing a subscription, inviting an authorised user, accessing any part of the Platform or otherwise using the Services, you confirm that you have read, understood and agreed to be bound by these Terms. Where you use the Platform for or on behalf of a partnership, company, proprietorship, association or other organisation, you represent that you have the authority to bind that organisation to these Terms. In such a case, references to “User”, “you” and “your” shall include both you and the organisation on whose behalf the Platform is used.

You must not access or use the Platform if you do not agree to these Terms.

1. DEFINITIONS AND INTERPRETATION

1.1 Platform

“Platform” means the software-as-a-service platform operated by the Company through review.startuperr.com and includes its websites, web applications, dashboards, databases, software modules, artificial intelligence features, document-processing facilities, reporting tools, downloadable reports, integrations, application programming interfaces and any related technology or functionality made available by the Company from time to time.

1.2 Services

“Services” means the technology and software functionality made available through the Platform. Depending upon the subscription plan, stage of development and features activated for a particular User, the Services may include client management, goal-planning tools, risk-profiling tools, portfolio reviews, investment-product comparisons, performance analytics, asset-allocation illustrations, mutual fund reports, Portfolio Management Services reports, Alternative Investment Fund reports, Specialized Investment Fund reports, document management, Consolidated Account Statement processing, PDF report generation, artificial intelligence-assisted drafting and other present or future software functionality.

The description of the Services in these Terms is illustrative and shall not require the Company to continue providing any particular module, report, data field, integration or feature.

1.3 User

“User” means the individual or legal entity that creates or operates an account on the Platform and includes the User’s authorised employees, representatives, partners, directors, agents and other persons permitted to access the Platform through the User’s account.

1.4 Professional User

“Professional User” means a person using the Platform in a professional or commercial capacity as a mutual fund distributor, Portfolio Management Services distributor, Alternative Investment Fund distributor, Specialized Investment Fund distributor, independent financial adviser, registered investment adviser, financial planner or another financial-services professional lawfully entitled to perform the activities undertaken by that person.

1.5 Tenant

“Tenant” means the separate organisational environment created for a User on the Platform. Each Tenant may have its own authorised users, client records, product preferences, configurations, report templates, settings and other information. The Platform is designed as a multi-tenant software solution, and logical separation is maintained between the data and configurations of different Tenants.

1.6 Authorised User

“Authorised User” means an employee, director, partner, representative or other person permitted by a Tenant to access or use its account. The Tenant shall be responsible for the acts and omissions of every Authorised User accessing the Platform through the Tenant’s account.

1.7 Client

“Client” means an investor, customer, prospective customer or other person whose information is entered into, uploaded to, processed through or referred to in the Platform by a User. A Client does not become a user of the Platform or a party to these Terms merely because the Client’s information is processed through the Platform or included in a report generated by a User.

1.8 Client Data

“Client Data” means all information, records and documents relating to a Client that are entered into, uploaded to, generated through or stored on the Platform by or on behalf of a User. Client Data may include identity and contact information, age, date of birth, family information, financial goals, income details, investment information, portfolio holdings, transaction information, risk-profile responses, Consolidated Account Statements, reports, notes, documents and any other information processed through the Platform.

1.9 User Data

“User Data” means information relating to the User, the User’s organisation, Authorised Users, account details, subscription details, Platform configurations, communications, preferences and usage of the Services.

1.10 User Content

“User Content” means all information, text, instructions, files, documents, configurations, product priorities, assumptions, comments, templates and other material submitted, uploaded, selected, created or modified by a User through the Platform.

1.11 Platform Defaults

“Platform Defaults” means the initial settings, product lists, asset-allocation assumptions, investment amounts, systematic investment plan amounts, report parameters, configurations, explanatory text or other default selections made available within the Platform where a Tenant has not entered or configured its own preferences.

1.12 AI Features

“AI Features” means any functionality of the Platform that uses artificial intelligence, machine learning, large language models, automated natural-language generation or similar technologies to prepare, explain, summarise, format or draft content.

1.13 Report

“Report” means any portfolio review, goal plan, risk-profile output, investment illustration, comparison, analysis, summary, PDF document, client communication, presentation or other output generated, prepared or assisted by the Platform.

1.14 Subscription

“Subscription” means the right granted to a User to access specified Services for a monthly, annual, complimentary, trial, freemium or other applicable subscription period.

1.15 Goalstox

“Goalstox” means Goalstox Technology Private Limited, having its registered office at B902, Vicinia, Chandivali, Powai, Mumbai – 400072, Maharashtra, India and operating the website goalstox.com.

Goalstox Technology Private Limited is an AMFI Registered Mutual Fund Distributor bearing ARN-249633, a SIF Distributor, an APMI Registered Distributor bearing APRN-00578 and an AIF Distributor. Certain data, information and Platform Defaults may be made available to the Company through its arrangement with Goalstox. The role of Goalstox and the limitations applicable to information received through Goalstox are addressed separately in these Terms.

1.16 Interpretation

Headings are included only for convenience and shall not affect the interpretation of these Terms. Words in the singular shall include the plural and words in the plural shall include the singular where the context so requires. References to a statute, regulation, circular, rule or other legal requirement shall include any amendment, modification, replacement or re-enactment of it. The words “including”, “includes” and “such as” shall be interpreted as being without limitation.

2. ACCEPTANCE AND ELECTRONIC CONTRACTING

2.1 Formation of Agreement

These Terms become binding when you click an acceptance button or checkbox, create an account, commence a paid or unpaid Subscription, access the Platform or otherwise use any of the Services. Your electronic acceptance shall have the same legal effect as a physical signature.

2.2 Organisational Accounts

Where an account is created for a business, firm, company, proprietorship, partnership or other organisation, the person creating the account represents and warrants that the person is authorised to accept these Terms on behalf of that organisation. The organisation shall be responsible for all access to and use of the Platform through its Tenant, whether such access is undertaken by an owner, director, employee, consultant, representative or any other Authorised User.

2.3 Additional Terms

Certain modules, third-party integrations, paid features, promotional offers or future Services may be governed by additional terms disclosed when those Services are activated. Such additional terms shall form part of these Terms. In the event of an inconsistency, the additional terms shall apply only to the specific Service to which they relate.

2.4 Policies Incorporated by Reference

The Privacy Policy, Software and Report Disclaimer, Cookie Policy, AI Usage and Limitations Policy and any other policy expressly identified by the Company as forming part of the contractual terms governing the Platform are incorporated into these Terms by reference.

3. ELIGIBILITY AND PROFESSIONAL USE

3.1 Professional Platform

The Platform is intended exclusively for use by financial-services professionals and organisations acting in a professional or commercial capacity. It is not intended to be used directly by ordinary retail investors for making personal investment decisions or generating reports for themselves.

3.2 Minimum Age

An individual accessing or operating an account must be at least eighteen years of age and legally competent to enter into a binding contract under applicable law.

3.3 Professional Authorisation

A User shall access and use the Platform only for activities that the User is legally authorised to undertake. The User is solely responsible for determining whether any registration, licence, authorisation, certification, qualification or approval is required for the User’s activities and for obtaining, maintaining and complying with every such requirement.

3.4 No Verification of Licences

The Company does not ordinarily verify, monitor or certify the regulatory registration, licence, authorisation, qualification or professional status of a User. Acceptance of an account, receipt of a Subscription payment, provision of Platform access or continued availability of the Services shall not constitute confirmation by the Company that a User is licensed, registered, qualified or legally entitled to carry on any particular activity.

3.5 Continuing Responsibility

The User shall immediately stop using any part of the Platform for which the User ceases to possess the required legal or regulatory authority. The User shall remain responsible for ensuring that its Authorised Users are appropriately trained, supervised and permitted to undertake the activities performed through the Platform.

3.6 Exclusion of Retail Investors

The Company may reject, restrict, suspend or terminate an account where it reasonably believes that the Platform is being used directly by a retail investor, is being presented as a consumer investment-Rm service, or is otherwise being used for a purpose inconsistent with the professional nature of the Services.

4. ACCOUNT REGISTRATION AND SECURITY

4.1 Registration Information

A User must provide accurate, complete and current information when creating an account. The User shall promptly update its account information whenever it changes. The Company may rely upon the information appearing in the User’s account until it is updated.

4.2 Account Approval

Submission of registration information does not create an entitlement to access the Platform. The Company may accept or reject an application, restrict access to specified functionality or request additional information before activating an account.

4.3 Account Credentials

Each User and Authorised User shall maintain the confidentiality of the login credentials used to access the Platform. Credentials shall not be shared with any unauthorised person. The User shall be responsible for all activity carried out through its Tenant and accounts unless the User has notified the Company of unauthorised access without unreasonable delay.

4.4 Unauthorised Access

The User shall promptly notify the Company upon becoming aware of any loss, theft, disclosure or unauthorised use of login credentials, any unauthorised access to the Platform or any suspected compromise of Client Data. The Company may suspend access to an account where it reasonably considers suspension necessary to protect the Platform, the User, Client Data or other users.

4.5 Tenant Administration

The person designated as the administrator of a Tenant may invite, remove and manage Authorised Users and may control their access permissions. The Tenant is responsible for ensuring that permissions are appropriate and are promptly withdrawn when an Authorised User leaves the organisation, changes role or no longer requires access.

4.6 Responsibility for Authorised Users

Every act or omission of an Authorised User shall be treated as an act or omission of the Tenant. The Tenant shall be responsible for ensuring that each Authorised User complies with these Terms and all applicable policies.

5. NATURE AND SCOPE OF THE SERVICES

5.1 Technology Services

The Company provides software infrastructure and technology tools intended to assist Professional Users with client-data organisation, goal-planning workflows, portfolio-review workflows, product comparisons, report preparation, analytics, document processing and related administrative activities.

The Platform is a productivity and information-processing tool. It is not intended to replace the User’s professional knowledge, independent judgement, regulatory responsibility, client understanding, due diligence or human review.

5.2 Available Functionality

The functionality available to a User may depend upon the User’s Subscription, account configuration, Tenant settings, technical integrations, Beta status and the Company’s product-development decisions. The Company does not represent that all functionality will be available to every User or at all times.

5.3 Changes to Services

The Company may develop, modify, redesign, replace, restrict, suspend or discontinue any Service, report format, workflow, integration, data field or other feature. The Company may introduce new functionality or combine, divide or rename existing functionality. Such changes may be made as part of the ongoing development of the Platform and shall not constitute a breach of these Terms.

5.4 Future Services

Unless separate terms are expressly provided, these Terms shall apply to all future features, modules, integrations and Services made available through the Platform.

6. BETA STATUS

6.1 Beta Nature

The Platform is presently under development and is being made available in a Beta version. The User understands that the Platform has not completed all stages of development, testing, validation and commercial deployment and may therefore contain defects, inaccuracies, inconsistencies and incomplete functionality.

6.2 Appropriate Use During Beta

The User shall not treat the Beta version as a fully tested or error-free system. The User shall independently examine every material output generated by the Platform and shall not share a Report with a Client, use a Report for regulatory purposes or rely upon a calculation, data point, comparison or AI-generated statement without appropriate human verification.

6.3 Errors and Interruptions

The Platform may contain software errors, calculation errors, formatting errors, incorrect mappings, incomplete information, duplicated information, delayed information, technical interruptions, integration failures or other defects. Data may fail to upload, process, display, save or export correctly. Reports may require correction before use.

6.4 User’s Duty on Discovering Errors

A User who discovers or reasonably suspects an error shall stop relying upon the affected feature or output, independently verify the relevant information and, where appropriate, notify the Company. The User must not knowingly share an erroneous Report or continue using a feature in a manner that may mislead a Client.

6.5 Modification or Withdrawal of Beta Features

The Company may modify, suspend or withdraw any Beta feature at any time. A feature made available during Beta may not be included in the final commercial version of the Platform. The Company shall not be liable merely because a workflow, configuration, report, integration or other Beta feature is changed or discontinued.

6.6 No Service-Level Commitment

Unless separately agreed in writing, no service-level agreement, uptime commitment, support-response commitment, data-recovery commitment or availability warranty applies to the Beta version.

6.7 Suitability of Beta Platform

Where a User considers any error, limitation, interruption or other characteristic of the Beta Platform unacceptable for the User’s intended purpose, the User must discontinue use of the affected Service or the Platform. Continued use after becoming aware of such limitation shall be at the User’s own risk and subject to the User’s continuing obligation to verify all outputs independently.

7. SOFTWARE PROVIDER ONLY

7.1 Limited Role of the Company

The Company operates the Platform solely as a provider of software, technology infrastructure, data-display functionality, workflow tools and report-generation facilities. The Company does not, merely by providing the Platform, participate in the professional relationship between a User and a Client and does not undertake responsibility for the financial, investment, regulatory or commercial activities carried out by a User.

The Platform enables a User to enter information, configure preferences, process data, prepare illustrations, generate draft reports and organise Client Data. These functions are technological and administrative in nature. They shall not be construed as the Company expressing an opinion on any Client, financial product, investment strategy, asset allocation, transaction or course of action.

7.2 No Professional Service by the Company

The Company does not provide investment Rm services, financial planning services, portfolio management services, securities research, investment research, distribution services, brokerage services, execution services, tax advice, accounting advice, legal advice or any other regulated or professional service through the Platform.

The availability of a feature that assists a User with goal planning, portfolio review, product comparison, performance display, asset-allocation illustration, risk profiling, report preparation or client communication does not mean that the Company is performing the underlying professional activity. The User remains the person performing and taking responsibility for that activity.

7.3 No Substitution for Professional Judgement

The Platform is designed to assist, and not replace, the knowledge, experience, judgement, due diligence, supervision and regulatory responsibility of the User. The User shall not treat any feature, output, calculation, data field, ranking, default, AI-generated text or Report as a substitute for the User’s own assessment.

The Platform requires meaningful human intervention. It is not intended to be operated as an unattended decision-making system, an autonomous recommendation engine, a robo-adviser or an automated substitute for a qualified financial-services professional.

7.4 No Assumption of User’s Functions

The Company does not assume any obligation that would otherwise be owed by a User to a Client, regulator, self-regulatory organisation, product manufacturer, principal, intermediary or other person. The use of the Platform shall not transfer to the Company any responsibility relating to client onboarding, know-your-client requirements, risk profiling, suitability, product selection, due diligence, disclosure, record keeping, grievance handling, conflict management, regulatory reporting or supervision.

7.5 No Holding Out

A User shall not represent, imply or permit any person to believe that the Company has advised, approved, selected, certified, recommended or endorsed a Client, Report, financial product, asset allocation, portfolio, transaction, investment strategy or communication.

A User shall not use the Company’s name, the Platform’s name or any reference to the Platform in a manner suggesting that the Company is acting as the User’s research provider, investment adviser, compliance adviser, product-selection committee, portfolio manager, principal or fiduciary.

8. NO INVESTMENT ADVICE, RESEARCH OR RECOMMENDATIONS

8.1 No Investment Advice

Nothing made available through the Platform constitutes investment advice. This applies regardless of whether information is displayed in the form of text, tables, charts, comparisons, rankings, analytics, ratios, summaries, goal illustrations, asset allocations, product lists, portfolio reviews, alerts, AI-generated explanations or Reports.

No output of the Platform should be interpreted as a statement that an investment, product, allocation, strategy, transaction or course of action is appropriate for a particular Client or class of Clients.

8.2 No Research Reports

Neither the Company nor Goalstox provides a research report through the Platform. The Platform does not hold itself out as producing securities research, investment research, independent research, product research, research recommendations or research opinions.

A document generated through the Platform shall not become a research report merely because it contains historical information, performance data, financial ratios, comparisons, product descriptions, portfolio information, charts or explanatory text. Such content is presented as software-generated or software-assembled information for review by the User.

The User shall not describe, market, circulate or represent a Report generated through the Platform as research prepared, approved or issued by the Company or Goalstox.

8.3 No Recommendations

The Platform does not recommend that a Client purchase, subscribe to, retain, redeem, sell, switch, increase, reduce or avoid any financial product or investment.

The appearance of a product in a list, comparison, Report, search result, Platform Default or Tenant configuration does not constitute a recommendation by the Company or Goalstox. The order in which products appear, any sorting or filtering applied, and any use of historical data or quantitative metrics shall not be interpreted as an expression of preference or a representation concerning future performance.

8.4 No Product Approval or Endorsement

The inclusion of a mutual fund, Portfolio Management Service, Alternative Investment Fund, Specialized Investment Fund or any other product on the Platform does not mean that the Company has approved, verified, endorsed or certified that product.

The absence of a product from the Platform does not mean that the Company considers the product unsuitable, inferior or inappropriate. Product coverage may depend upon data availability, technical integration, Platform configuration, development priorities and other operational factors unrelated to the quality or suitability of the product.

8.5 No Suitability Determination

The Platform does not independently determine whether a particular product, investment amount, systematic investment plan amount, asset allocation, risk category or strategy is suitable for a Client.

Where the Platform processes information supplied by a User and generates an output based on that information, the output remains dependent upon the completeness, accuracy and appropriateness of the information, assumptions, rules and configurations supplied or accepted by the User. The generation of such output shall not constitute an independent suitability assessment by the Company.

8.6 No Assurance of Outcome

Nothing displayed or generated through the Platform constitutes a promise, assurance, guarantee or forecast of investment performance, capital protection, achievement of a financial goal, income generation, risk reduction or any other financial outcome.

Historical performance, historical ratios, past portfolio behaviour and prior market information may not be indicative of future results. The Company does not undertake to predict future returns, market conditions, product performance or the likelihood that a Client will achieve a stated goal.

9. PROFESSIONAL RESPONSIBILITY AND MANDATORY HUMAN REVIEW

9.1 User as Responsible Professional

The User remains solely responsible for every professional judgement, statement, representation, selection, conclusion, communication and action made or taken in connection with a Client.

The User shall determine, using the User’s own expertise and lawful professional processes, whether any information or Report generated through the Platform is accurate, complete, relevant and appropriate for the purpose for which the User proposes to use it.

9.2 Mandatory Review of Every Report

Every Report must be independently reviewed, verified and approved by the User before it is downloaded, finalised, printed, transmitted, presented or shared with a Client or any other person.

The required review is not limited to proofreading. It must include, where relevant, verification of Client Data, portfolio holdings, transaction information, product names, scheme categories, performance figures, benchmarks, ratios, assumptions, investment amounts, systematic investment plan amounts, goal values, inflation assumptions, return assumptions, timelines, asset allocations, risk descriptions, explanatory text, disclosures and AI-generated content.

9.3 Prohibition on Unreviewed Use

The User shall not configure internal processes in a manner that causes Reports to be generated and sent automatically to Clients without meaningful human review.

The User shall not rely upon the Platform as an unattended report-production system. Any automation provided by the Platform is intended to improve operational efficiency and does not remove or reduce the User’s responsibility to examine each output before use.

9.4 Correction of Errors

Where the User identifies an error, inconsistency, omission, unexplained result or potentially misleading statement, the User shall correct the Report or refrain from using it.

The User shall not share a Report merely because the Platform has successfully generated or exported it. Successful technical generation does not mean that the Report is factually, professionally or regulatorily fit for use.

9.5 Verification Against Primary Sources

Where a Report contains information material to a Client’s decision, the User should verify that information against the relevant current primary or official source before sharing the Report.

The User acknowledges that data may change after it has been obtained, that public sources may contain errors, and that information displayed on the Platform may not reflect subsequent corrections, restatements, corporate actions, changes in classification, changes in benchmark, changes in methodology or other updates.

9.6 Responsibility for Client Communication

A Report becomes a communication of the User when the User downloads, approves, brands, presents, transmits or shares it. The User is solely responsible for the content, context, manner of presentation, accompanying statements and regulatory treatment of that communication.

The presence of the Company’s or Goalstox’s name, mark or “powered by” attribution on a Report does not transfer responsibility for the Report to the Company or Goalstox and does not indicate approval of the Report’s contents.

9.7 User’s Independent Conclusions

Any conclusion, recommendation, advice, product selection, asset allocation or other professional opinion communicated by a User to a Client shall be treated exclusively as the User’s own conclusion or opinion.

The User shall not attribute such conclusion or opinion to the Company, Goalstox, the Platform, an AI provider, a data provider or any other technology service involved in producing the Report.

10. TENANT CONFIGURATION AND PLATFORM DEFAULTS

10.1 Tenant-Controlled Preferences

The Platform allows a Tenant to configure and prioritise products, assumptions, parameters and other settings based on the Tenant’s own professional view and business requirements.

A Tenant may, subject to available functionality, identify or prioritise mutual funds, Portfolio Management Services, Alternative Investment Funds and Specialized Investment Funds. A Tenant may also configure asset allocations, investment amounts, systematic investment plan amounts, return assumptions, inflation assumptions, report language, report templates and other settings.

Every such selection or configuration is made by the Tenant and shall be treated as the Tenant’s own selection. The Company does not approve or endorse a Tenant configuration merely because the Platform permits or stores it.

10.2 Responsibility for Configuration

The Tenant shall ensure that its configurations are accurate, current, lawful and appropriate for its intended use. The Tenant shall periodically review its product lists, assumptions and settings and shall update them when circumstances, data, product features, regulations or the Tenant’s professional view change.

The Company is not responsible for loss, error or inappropriate output arising from a Tenant’s failure to configure, review or update its settings.

10.3 Availability of Platform Defaults

Where a Tenant has not entered or completed its own configuration, the Platform may apply Platform Defaults so that relevant features can operate.

Platform Defaults may include initial product lists, relative product priorities, asset-allocation assumptions, investment amounts, systematic investment plan amounts, report settings, explanatory language and other parameters required by a workflow.

10.4 Purpose of Platform Defaults

Platform Defaults are provided solely as initial software settings and operational placeholders. They are intended to enable the User to understand, test or begin configuring the relevant functionality.

Platform Defaults are not personalised to a Client and do not take into account all facts that may be relevant to a Client. They are not research, advice, recommendations, model portfolios, house views, approved product lists, suitability determinations or assurances of performance.

10.5 Duty to Change Defaults

The User is expected to examine and, where appropriate, change or replace Platform Defaults before using the relevant feature for a Client.

The User shall not assume that a Platform Default is suitable merely because it appears automatically or has been made available through the Company’s arrangement with Goalstox. Where the User retains a Platform Default, the User shall be deemed to have independently reviewed and adopted it as the User’s own configuration.

10.6 Attribution of Retained Defaults

Once a User applies, retains, approves or uses a Platform Default in relation to a Client or Report, the resulting output shall be treated as the User’s output. The Company and Goalstox shall not be treated as having made a recommendation merely because the User elected not to alter an initial setting.

10.7 Changes to Defaults

Platform Defaults may be revised, replaced or withdrawn without prior notice. A change to a Platform Default shall not automatically update previously generated Reports or previously adopted Tenant configurations unless the Platform expressly provides otherwise.

The User is responsible for deciding whether a changed default should be reflected in the Tenant’s configurations or earlier Reports.

11. RELATIONSHIP WITH GOALSTOX

11.1 Role of Goalstox

The Company has an arrangement with Goalstox under which certain data, publicly available information, software inputs, product information and Platform Defaults may be supplied or made accessible for use within the Platform.

The Platform is owned and operated by MyQuestionBox Education OPC Private Limited. Goalstox does not become the operator of the Platform merely because information or defaults are obtained through Goalstox or because a “powered by Goalstox” attribution appears on the Platform or a Report.

11.2 Distribution Activities Separate from Platform

Goalstox carries on financial-product distribution activities in its own capacity and under its own applicable registrations. Those activities are separate from the software Services provided by the Company through the Platform.

Accessing the Platform does not create a distribution, Rm, research, brokerage, agency or client relationship between a User or Client and Goalstox. Any separate commercial or distribution relationship involving Goalstox must arise under separate documentation or arrangements and shall not be inferred from use of the Platform.

11.3 No Research or Recommendations from Goalstox

Goalstox does not provide research reports, investment advice or investment recommendations through the Platform.

The provision by Goalstox of data, product information, publicly sourced information or Platform Defaults shall not be interpreted as the issue of a research report or as advice or a recommendation concerning any product, portfolio, allocation, transaction or Client.

11.4 No Independent Certification by Goalstox

Unless expressly stated in a separate written document, Goalstox does not independently audit, certify or guarantee the accuracy, completeness or timeliness of the information supplied for display through the Platform.

The User shall conduct the same independent verification of information received through Goalstox as the User would conduct for information obtained from any other data source.

11.5 No Agency or Partnership

Nothing in these Terms creates a partnership, joint venture, employment relationship, fiduciary relationship or general agency among the User, the Company and Goalstox.

Neither the Company nor Goalstox has authority under these Terms to bind the other in relation to a User or Client.

12. SOURCE AND DISPLAY OF FINANCIAL-PRODUCT INFORMATION

12.1 Source of Information

The Platform may display information relating to mutual funds, Portfolio Management Services, Alternative Investment Funds, Specialized Investment Funds and other financial products. Such information is received by the Company through Goalstox and is sourced from publicly available materials published by product manufacturers, asset management companies, portfolio managers, fund managers, industry bodies, self-regulatory organisations and other official or publicly accessible sources.

Neither the Company nor Goalstox creates the underlying financial-product information displayed through the Platform.

12.2 No Independent Calculation

Neither the Company nor Goalstox independently calculates returns, performance figures, information ratios, standard deviation, alpha, beta, drawdown, risk-adjusted returns, benchmarks, portfolio statistics or any other financial or quantitative measure displayed through the Platform.

Where any such figure or measure appears on the Platform or in a Report, it is reproduced, organised or presented from information obtained from publicly available sources. Its appearance on the Platform does not mean that the Company or Goalstox has independently recalculated, validated, audited or certified it.

12.3 No Independent Analysis

Neither the Company nor Goalstox independently analyses, evaluates, rates or ranks a financial product through the Platform.

The Platform may permit a User to search, filter, sort, compare, organise or display publicly available information. These software functions do not constitute analysis, research, due diligence, assessment or an opinion by the Company or Goalstox concerning the quality, suitability, risk, expected return or future performance of a financial product.

12.4 No Research Activity

Neither the Company nor Goalstox prepares or provides research reports through the Platform.

The collection, reproduction, organisation, formatting, comparison or display of publicly available information shall not be construed as the preparation of research. The presence of historical returns, ratios, benchmarks, product descriptions, charts, tables or comparisons does not represent a research view, recommendation or conclusion of the Company or Goalstox.

12.5 Reliance on Public Sources

The Company and Goalstox rely upon the information made publicly available by the relevant manufacturer, fund manager, industry body, self-regulatory organisation or other source. Neither the Company nor Goalstox controls the manner in which such source information is prepared, calculated, reviewed, updated or published.

The Company and Goalstox do not warrant that information published by any source is accurate, complete, consistent, current or free from error.

12.6 Possible Differences Between Sources

Different manufacturers, managers, industry bodies and self-regulatory organisations may use different reporting periods, calculation methodologies, valuation dates, benchmark conventions, fee treatments, rounding practices and presentation standards.

The Platform may therefore display information that is not directly comparable with information obtained from another source. Neither the Company nor Goalstox undertakes to reconcile differences between sources or determine which methodology is preferable.

12.7 Delays, Corrections and Updates

Publicly available information may be delayed, revised, corrected, restated or withdrawn by its original source. The Platform may not immediately reflect such a revision, correction, restatement or withdrawal.

The User shall verify material information directly from the latest publication of the relevant manufacturer, fund manager, industry body or self-regulatory organisation before using it in a communication with a Client.

12.8 Software Processing

The Platform may technically import, extract, map, store, format, organise or display information received through Goalstox. Such technical processing does not amount to independent calculation, analysis, validation, certification or research.

Errors may arise during import, extraction, mapping, formatting, storage, transmission or display. The User must therefore verify the information appearing in every Report before using or sharing it.

12.9 No Endorsement from Inclusion

The inclusion of information relating to a financial product does not indicate that the Company or Goalstox approves, endorses, prefers or recommends that product.

The omission of a product or data point does not indicate an adverse opinion concerning that product. Availability may depend upon whether information is publicly available, has been received through Goalstox and can be supported by the Platform’s current software functionality.

12.10 Permitted Use

Information displayed through the Platform is made available solely to assist the User in preparing the User’s own professional work and Reports.

The User shall not represent that such information has been independently researched, calculated, verified or certified by the Company or Goalstox.

14. REPORTS AND DISPLAY OF THIRD-PARTY INFORMATION

14.1 Reports as Software-Generated Drafts

Every Report generated through the Platform is a draft document created using software. It may combine Client Data entered by the User, Tenant configurations, Platform Defaults, publicly available financial-product information received through Goalstox and text prepared using AI Features.

A Report does not constitute research, advice or a recommendation by the Company or Goalstox.

14.2 No Performance Analysis by the Company or Goalstox

Where a Report contains historical returns, performance information, benchmarks, ratios, risk statistics or other quantitative information, such information is reproduced or displayed from publicly available sources.

Neither the Company nor Goalstox calculates, analyses, interprets, verifies or certifies such information. The Platform’s act of placing information into a table, chart, comparison or Report does not convert that information into research or analysis prepared by the Company or Goalstox.

14.3 Comparisons Are Software Functions

The Platform may allow the User to place information relating to multiple products alongside each other, sort products according to a selected field, filter information according to User-selected criteria or create a comparative display.

Such comparison, sorting or filtering is a software function. It shall not be construed as an assessment of relative merit, a rating, a ranking, a product view, an investment opinion or a recommendation by the Company or Goalstox.

14.4 No Interpretation of Quantitative Measures

The presence of a return figure, information ratio, standard deviation, alpha, beta, benchmark comparison, drawdown figure or any other measure shall not be interpreted as the Company or Goalstox expressing an opinion regarding the product.

Neither the Company nor Goalstox determines whether a particular measure is sufficient, favourable, unfavourable, appropriate or relevant for a Client. Any such interpretation must be made independently by the User.

14.5 User-Entered Calculations and Assumptions

Certain goal-planning or illustration features may perform mathematical operations using figures and assumptions selected or entered by the User, such as investment amounts, systematic investment plan amounts, time periods, inflation assumptions or assumed rates of return.

Such mathematical processing is provided only as software functionality. The Company does not select or recommend the assumptions and does not represent that the assumptions or resulting illustrations are appropriate, achievable or suitable for any Client.

14.6 Human Review Before Use

The User must independently verify all information contained in a Report, including information reproduced from public sources, Client Data, product descriptions, figures, dates, benchmarks, ratios, assumptions, mathematical outputs and AI-generated text.

The User shall compare material product information with the latest information published by the relevant manufacturer, fund manager, industry body or self-regulatory organisation before sharing the Report with a Client.

14.7 Responsibility for Interpretation

Any explanation, conclusion, observation, product preference, advice, recommendation, assessment or interpretation communicated to a Client is made solely by the User.

The User shall not attribute any such interpretation to the Company, Goalstox, the Platform or the original source of the information unless that source has expressly published the same interpretation.

14.8 No Assurance of Accuracy

The Company does not warrant that a Report will be complete, current, accurate or free from errors. Information may be incorrectly entered by the User, incorrectly published by the original source, outdated, omitted, incorrectly imported or incorrectly displayed.

A Report must not be used or shared where the User identifies or suspects an error.

14.9 Branding and Attribution

A Report may contain the User’s branding and may state that the underlying technology is powered by MyQuestionBox and Goalstox.

Such attribution relates only to the software and data-delivery arrangement. It does not mean that the Company or Goalstox has prepared research, made a recommendation, approved the Report, reviewed its contents or accepted professional responsibility for it.

14.10 User’s Final Responsibility

When a User approves, downloads, prints, presents, sends or otherwise uses a Report, the User accepts full responsibility for its contents and for ensuring that it is appropriate for the User’s professional capacity and permitted activities.

The Company and Goalstox remain providers of software and publicly sourced information only.

15. REGULATORY AND PROFESSIONAL COMPLIANCE

15.1 User’s Sole Responsibility

The User is solely responsible for identifying and complying with every law, regulation, circular, code, contractual restriction, professional standard and disclosure requirement applicable to the User, the User’s business, the User’s Clients and the User’s use of the Platform.

The Company does not undertake to monitor the User’s compliance or to notify the User of every legal or regulatory change.

15.2 Platform Not a Compliance System

The Platform is not represented as a complete regulatory-compliance solution. A workflow, field, warning, checkbox, disclaimer or document generated through the Platform may assist the User operationally but does not ensure compliance with applicable requirements.

The absence of a warning or restriction shall not be interpreted as confirmation that an activity is permitted.

15.3 Licences and Scope of Activity

The User shall ensure that all services performed, statements made and Reports shared by the User fall within the scope of the User’s current registrations, licences and authorisations.

Where different regulatory categories impose different obligations or restrictions, the User shall configure and use the Platform in accordance with the category applicable to that User.

15.4 Client Consent and Authority

The User is responsible for obtaining every consent, authorisation, notice, mandate and lawful basis required to collect, upload, store, process and use Client Data through the Platform.

The Company’s acceptance of Client Data does not constitute confirmation that the User has obtained appropriate consent or authority.

15.5 Disclosures and Records

The User shall determine which disclosures, disclaimers, records, acknowledgements, consents, audit trails and supporting documents must be maintained or provided in connection with a Client or Report.

The Platform’s generation or retention of a document does not relieve the User of any independent record-keeping obligation.

15.6 Fair and Non-Misleading Communication

The User shall ensure that every Report and communication shared with a Client is fair, clear, current and not misleading. The User shall not selectively present data, omit material qualifications, misuse historical performance or use Platform output in a manner likely to create an incorrect impression.

15.7 Product and Client Due Diligence

The User remains responsible for conducting all product-level and Client-level due diligence required for the User’s activities. The Company’s provision of data, comparison tools or report templates shall not satisfy or replace such due diligence.

15.8 Regulatory Enquiries and Proceedings

The User shall be responsible for responding to any enquiry, complaint, inspection, investigation, proceeding or demand relating to the User’s professional activities, Client communications or use of Reports.

The Company may provide reasonably available technical records where required by law or agreed separately, but shall not be responsible for defending or explaining the User’s professional judgement or regulatory conduct.

16. NO RELATIONSHIP WITH CLIENTS

16.1 No Contract with a Client

A Client whose information is entered into the Platform does not become a customer, subscriber or contracting party of the Company or Goalstox merely because the Client’s information is processed or included in a Report.

16.2 No Duty to a Client

To the extent permitted by law, neither the Company nor Goalstox assumes a professional, Rm, fiduciary or contractual duty to a Client through the User’s use of the Platform.

The User shall remain the primary point of contact for the Client and shall be responsible for all explanations, disclosures, corrections, decisions and communications relating to a Report.

16.3 Client Enquiries

Where a Client contacts the Company regarding the substance of a Report or a financial decision, the Company may direct the Client to the User. The Company is not required to interpret, defend, revise or explain the User’s Report or professional opinion.

16.4 No Third-Party Rights

Except where applicable law expressly requires otherwise, a Client or other person who is not a party to these Terms shall have no right to enforce any provision of these Terms.

17. CLIENT DATA AND USER RESPONSIBILITY

17.1 Control of Client Data

As between the Company and the User, the User retains control of the Client Data entered into or uploaded to the Platform through the User’s Tenant. The Company does not acquire ownership of Client Data merely because such data is stored, processed, organised or displayed through the Platform.

The User determines which Client Data is collected, the purposes for which it is collected, the manner in which it is used, the persons with whom it is shared and the period for which it is required. The Company processes Client Data for the limited purpose of operating the Platform and providing the Services requested by the User.

17.2 User’s Authority to Process Client Data

The User represents and warrants that it has lawful authority to collect, use, upload, store, process and share all Client Data submitted to the Platform.

The User shall obtain every consent, authorisation, notice, acknowledgement or other permission required for such processing. The User shall also ensure that its collection and use of Client Data is consistent with the User’s professional relationship with the relevant Client and with all laws and regulatory obligations applicable to the User.

The Company’s technical ability to receive or process Client Data shall not be interpreted as confirmation that the User has obtained the necessary authority.

17.3 Accuracy of Client Data

The User is solely responsible for the accuracy, completeness, relevance and currency of Client Data. The Company does not independently verify the identity, financial position, portfolio, goals, risk profile, investment history or other information relating to a Client.

Where a Report is incorrect because Client Data was incomplete, inaccurate, duplicated, incorrectly mapped or not updated, responsibility for detecting and correcting the error shall remain with the User.

17.4 Data Minimisation by the User

The User shall upload or enter only the Client Data reasonably necessary for the User’s lawful use of the Services. The User shall not collect or retain information through the Platform merely because the Platform technically permits it.

The User shall avoid entering passwords, authentication codes, banking credentials or other information that is not required for the relevant Platform function.

17.5 Access Within a Tenant

The User is responsible for determining which Authorised Users may view, enter, modify, download or delete Client Data. The User shall assign access only to persons who require it for legitimate professional purposes and shall regularly review such access.

The Company shall not be responsible for an Authorised User obtaining access that was granted, retained or incorrectly configured by the Tenant administrator.

17.6 Client Requests

Where a Client requests access to, correction of or deletion of information held by the User, the User shall remain responsible for assessing and responding to that request.

The Company may provide available Platform functionality or reasonable technical assistance to enable the User to manage Client Data, but the Company does not assume the User’s responsibility for determining whether and how a Client request should be fulfilled.

18. UPLOADED DOCUMENTS

18.1 Supported Documents

The Platform may permit the User to upload Consolidated Account Statements, portfolio statements, PDF documents and such other files or document types as the Company may support in the future.

The Company may introduce, modify or withdraw support for any file type, format, document-processing method or extraction feature.

18.2 Right to Upload

The User shall upload a document only where the User is lawfully entitled to possess and process it. The User represents that the upload, storage and processing of each document does not violate any confidentiality obligation, intellectual-property right, privacy right, contractual restriction or applicable law.

18.3 Document Processing

The Platform may extract, map, classify, organise or display information contained in an uploaded document. Such processing is performed through software and may not correctly identify every entry, holding, transaction, date, value, name, folio, category or other field.

The User must compare information extracted from a document with the original document before using it in a Report.

18.4 Consolidated Account Statements

Where the Platform processes a Consolidated Account Statement or similar portfolio document, the Company does not independently verify the completeness or authenticity of the statement or the accuracy of the information contained in it.

The Platform’s successful acceptance or processing of a statement does not mean that every holding, folio, transaction or value has been correctly extracted or classified.

18.5 File Security

The User shall take reasonable steps to ensure that each uploaded file is genuine, lawfully obtained and free from malware, malicious code, corrupted content or other harmful material.

The Company may scan, quarantine, reject or delete a file where it reasonably suspects that the file creates a security, operational or legal risk. Such action shall not create an obligation on the Company to detect every harmful or unauthorised file.

18.6 Future Document Types

Where the Platform supports additional document types in the future, the provisions of this Section shall apply to those documents unless separate terms expressly provide otherwise.

19. OWNERSHIP AND LICENCE TO PROCESS DATA

19.1 Ownership of User Content

The User retains all rights it lawfully holds in Client Data and User Content. Except for the limited rights required to provide the Services, the Company does not claim ownership of such material.

19.2 Limited Licence to the Company

The User grants the Company a limited, non-exclusive and revocable right to host, store, copy, transmit, organise, process, display and otherwise use Client Data and User Content solely to operate, maintain, secure and provide the Platform to the User.

This right continues only for so long as the relevant information is retained in accordance with these Terms and the applicable Privacy Policy.

19.3 No Commercial Use of Client Data

The Company shall not sell Client Data or use it to market financial products or unrelated services to the User’s Clients.

The Company shall not access or use Client Data for a purpose unrelated to providing, maintaining, protecting or supporting the Platform, complying with law or acting upon the User’s authorised request.

19.4 Technical and Support Access

Authorised Company personnel may access Client Data where such access is reasonably necessary to investigate a technical problem, provide support requested by the User, restore functionality, protect the security of the Platform, comply with a legal obligation or perform maintenance that cannot reasonably be completed without such access.

Such access shall be limited to what is reasonably necessary for the relevant purpose and shall not permit Company personnel to use Client Data for their personal benefit or for an unrelated commercial purpose.

19.5 Aggregated Technical Information

The Company may use information that does not identify a User or Client to understand Platform performance, diagnose technical problems, measure feature usage, improve system reliability and plan product development.

The Company shall not represent aggregated technical information as investment research and shall not use Client portfolios or personally identifiable Client Data to prepare research reports, recommendations or Rm output.

19.6 Feedback

Where a User voluntarily provides suggestions, error reports, feature requests or other feedback relating to the Platform, the Company may use that feedback to improve the Services without payment or other obligation to the User.

The Company shall not include identifiable Client Data in product-development material merely because such data appeared in a support request or feedback submission.

20. PRIVACY ROLES AND RESPONSIBILITIES

20.1 User’s Responsibility for Client Privacy

The User is responsible for the privacy notices, consents, permissions and lawful processing arrangements applicable to Client Data collected by the User.

The User shall clearly inform Clients, where required, that Client information may be stored and processed through a third-party software platform used by the User.

20.2 Company’s Processing of Client Data

The Company processes Client Data on behalf of and for the benefit of the User to provide the Services. The Company does not independently determine the financial or professional purpose for which a User collects Client Data.

The Company may determine technical and operational matters concerning the manner in which the Platform stores, protects, transmits and displays information, provided that such technical decisions remain consistent with the purposes described in these Terms and the Privacy Policy.

20.3 User Account and Platform Information

The Company may independently collect and use information relating to Users, Authorised Users, subscriptions, payments, communications, login activity, devices, browsers, security events and use of the Platform for account administration, billing, fraud prevention, security, technical support, analytics and improvement of the Services.

The treatment of such information shall be described in the Privacy Policy.

20.4 No Representation of Complete Privacy Compliance

The Platform is being developed progressively, and the Company does not represent that use of the Platform will, by itself, make the User compliant with the Digital Personal Data Protection Act, 2023, the rules issued under it or any other privacy or data-protection requirement.

The User must independently assess the privacy obligations applicable to its business and must not treat any Platform feature, consent field, workflow, notice or data-management facility as legal or compliance advice.

20.5 Changes Required for Legal Alignment

The Company may modify data fields, permissions, notices, consent mechanisms, retention controls, security processes and other functionality to address changes in applicable law, regulatory guidance or the Company’s privacy programme.

Such modification may affect the way in which a User collects, views, stores, exports or deletes Client Data.

20.6 Separate Privacy Policy

The Company’s collection and processing practices are further described in the Privacy Policy. Where there is an inconsistency between these Terms and the Privacy Policy concerning the Company’s actual handling of personal information, the provision that more specifically addresses the relevant processing activity shall apply, subject to applicable law.

21. THIRD-PARTY INFRASTRUCTURE AND SERVICE PROVIDERS

21.1 Use of Service Providers

The Company may engage third-party service providers to host, store, transmit, protect, analyse or process information required for operation of the Platform.

The User authorises the Company to use such service providers, subject to the limitations and disclosures contained in these Terms and the Privacy Policy.

21.2 Hosting Infrastructure

The Company may use infrastructure and hosting services supplied by Amazon Web Services and DigitalOcean. Primary Platform hosting and storage are intended to be maintained in India, subject to the configurations, availability, backup arrangements and technical operations of the relevant service provider.

The Company may modify its infrastructure arrangement where reasonably required for reliability, security, availability, cost, legal compliance or product development.

21.3 Artificial Intelligence Provider

The Company may use OpenAI or another artificial intelligence service provider for limited AI Features.

The Platform is intended to prevent personally identifiable Client information from being deliberately supplied to an external AI provider. The User must nevertheless comply with the restrictions on entering personal or confidential information into AI-enabled prompts and free-text fields.

21.4 Analytics Provider

The Company may introduce Google Analytics or another analytics service to understand visits, navigation, browser information, device information and use of the website and Platform.

Before or when such analytics functionality is activated, the Company may provide additional information through the Privacy Policy, Cookie Policy or an appropriate notice or consent mechanism.

21.5 Third-Party Terms and Availability

Third-party services may be subject to the service provider’s own terms, privacy practices, technical limitations and availability. The Company does not control every aspect of a third-party service and shall not be responsible for an interruption or change caused solely by that provider, except to the extent responsibility cannot lawfully be excluded.

21.6 Replacement of Providers

The Company may replace or add infrastructure, analytics, communications, payment, security, artificial intelligence or other service providers. The Company shall update its disclosures where a change materially affects the processing of personal information or the operation of the Services.

22. CONFIDENTIALITY

22.1 Confidential Information

“Confidential Information” means non-public information disclosed by one party to the other in connection with the Platform that a reasonable person would understand to be confidential.

The User’s Confidential Information includes Client Data, User Content, non-public business information and Tenant configurations. The Company’s Confidential Information includes non-public software, source code, security information, technical documentation, pricing arrangements, product plans, methods and business information.

22.2 Confidentiality Obligations

Each party shall use the other party’s Confidential Information only for the purposes of performing or receiving the Services. Each party shall take reasonable steps to protect Confidential Information from unauthorised access, use or disclosure and shall disclose it only to persons who require it for the relevant purpose and are subject to appropriate confidentiality obligations.

22.3 Exclusions

Information shall not be treated as Confidential Information to the extent that the receiving party can establish that it was lawfully known without restriction before disclosure, was independently developed without use of the disclosing party’s Confidential Information, became publicly available without breach of an obligation, or was lawfully received from another person without a duty of confidentiality.

22.4 Required Disclosure

A party may disclose Confidential Information where required by law, court order or a competent governmental or regulatory authority.

Where legally permitted and reasonably practicable, the receiving party shall notify the disclosing party before making the disclosure and shall limit the disclosure to the information legally required.

22.5 Survival

The confidentiality obligations in this Section shall continue after suspension, termination or deletion of an account for so long as the relevant information remains confidential.

23. SECURITY

23.1 Security Measures

The Company shall maintain reasonable technical and organisational safeguards appropriate to the nature of the Platform and the information processed through it.

The Company’s current safeguards include protected password storage, encrypted transmission through HTTPS, encrypted backups and access controls. The Company may modify or strengthen its security measures as the Platform develops.

23.2 No Absolute Security Warranty

No internet-based software, storage system or transmission method is completely secure. The Company does not warrant that unauthorised access, data loss, malware, service interruption, vulnerability exploitation or another security incident can never occur.

The User accepts the risks inherent in using an online software service and shall maintain its own reasonable security and continuity procedures.

23.3 User Security Obligations

The User shall maintain secure devices, browsers, internet connections and credentials. The User shall use appropriately complex passwords, protect authentication information, restrict account access, remove access for former personnel and keep its systems reasonably protected against malware and unauthorised access.

The User shall not attempt to bypass, disable, probe or interfere with any Platform security control.

23.4 Security Notifications by the User

The User shall promptly notify the Company upon becoming aware of suspected unauthorised access, compromised credentials, accidental disclosure, malicious activity or another incident that may affect the Platform or Client Data.

The User shall provide reasonable information and cooperation required to investigate and contain the incident.

23.5 Security Incident Response

Where the Company becomes aware of a security incident materially affecting Client Data, it shall investigate the incident and take reasonable measures to contain and address it.

The Company shall provide notices required by applicable law. The timing, content and recipients of any notice shall depend upon the nature of the incident, the information reasonably available and the legal requirements then applicable.

23.6 User’s Business Continuity

The User shall maintain copies of information and documents that the User reasonably requires for regulatory, professional, operational or business-continuity purposes.

The Platform shall not be treated as the User’s sole record-keeping repository or sole backup of Client documents.

24. DATA RETENTION, EXPORT AND ACCOUNT DELETION

24.1 Retention During an Active Account

The Company may retain User Data, Client Data and User Content for so long as the User’s account remains active and as reasonably necessary to provide the Services.

The User may delete particular Client records or documents through available Platform functionality, subject to technical restrictions and backup processes.

24.2 Retention After Expiry or Inactivity

Where a Subscription expires, is cancelled or becomes inactive without the User deleting the account, the Company may retain account data for up to one year.

This retention period is intended to permit account restoration, address support or billing matters, maintain operational continuity and complete scheduled data-management processes. The Company may delete the data earlier and does not guarantee that an expired account can be restored throughout the entire period.

24.3 Account Deletion by the User

The User may request or initiate deletion of its account through the functionality or contact method made available by the Company.

Upon account deletion, access to the Tenant shall cease and the Company shall initiate deletion of the associated Client Data and User Content from active production systems, except to the extent retention is required by law, necessary to resolve an existing dispute, or otherwise permitted under these Terms.

24.4 Backup Copies

Residual copies may remain in encrypted or access-restricted backups until those backups are overwritten or expire through the Company’s normal backup-retention cycle. Such residual copies shall not be restored to active use except where reasonably necessary for disaster recovery, security investigation or compliance with law.

The maximum one-year retention period may apply to residual backup copies unless a longer period is legally required.

24.5 Data Export

The User is responsible for exporting any Client Data, Reports or documents it wishes to retain before deleting an account or before the end of the applicable post-expiry retention period.

The Company may provide export functionality in formats supported by the Platform but does not warrant that every field, configuration, relationship, AI output or historical event can be exported in a format compatible with another service.

24.6 Deletion Is Irreversible

Deletion of an account or data may be irreversible. The Company shall not be responsible for restoring information after deletion where no recoverable copy remains.

24.7 Legal Retention

The Company may retain limited information for longer than the general retention periods where reasonably necessary to comply with law, establish or defend legal claims, investigate fraud or misuse, maintain billing and taxation records, or enforce these Terms.

Any information retained for such a purpose shall remain subject to appropriate access restrictions and shall not be used for an unrelated purpose.

24.8 User’s Regulatory Records

Deletion from the Platform does not relieve the User of any obligation to retain records under laws, regulations, professional standards or contractual arrangements applicable to the User.

The User must obtain and preserve its own copies of all records it is required to maintain before requesting deletion.

25. FREEMIUM ACCESS AND SUBSCRIPTIONS

25.1 Freemium Model

The Platform may be made available through a combination of free and paid access. The Company may permit a User to access limited functionality without payment and may reserve specified features, usage limits, reports, storage, integrations, AI functionality, support levels or other Services for paid Subscriptions.

Free access is provided at the Company’s discretion and does not create any entitlement to continued access to a particular feature, usage limit or level of service. The Company may modify, restrict or withdraw any free feature or free plan at any time.

25.2 Subscription Plans

Paid Subscriptions may be offered on a monthly or annual basis or for such other period as the Company may specify. The features, usage limits, number of Authorised Users, storage, support arrangements and other entitlements included in each Subscription shall be described on the Platform, in an order form, invoice, commercial proposal or other applicable communication.

The Company may introduce new Subscription plans, modify existing plans or discontinue a plan. A material change affecting an existing paid Subscription shall ordinarily apply from the next renewal date unless the change is required for legal, regulatory, security or technical reasons.

25.3 Subscription Commencement

A paid Subscription shall commence on the date stated during checkout, in the applicable order form or in the invoice issued by the Company. Where no separate date is stated, the Subscription shall commence when payment is successfully received or when paid access is activated, whichever occurs earlier.

25.4 Subscription Scope

A Subscription grants the User a limited, non-exclusive, non-transferable and revocable right to access and use the applicable Services during the Subscription period, subject to these Terms.

A Subscription does not transfer ownership of the Platform, software, source code, databases, content, documentation, designs, trademarks or any other intellectual property to the User.

25.5 Usage Limits

The Company may apply limits relating to the number of Clients, Authorised Users, Reports, uploaded documents, storage, AI requests, downloads, data fields, integrations or other usage measures.

Where the User exceeds an applicable limit, the Company may restrict further use, require the User to upgrade the Subscription, charge an additional fee where previously disclosed or suspend the affected functionality until the excess usage is resolved.

25.6 Trial Access

The Company may offer trial access to paid features for a limited period. Trial access may be modified or withdrawn at any time and may be subject to additional usage restrictions.

Unless the User cancels before the end of a trial and unless otherwise stated during enrolment, a trial may convert into a paid Subscription using the payment method supplied by the User.

26. FEES, BILLING AND TAXES

26.1 Subscription Fees

The User shall pay all fees applicable to the selected Subscription. Fees may vary according to plan, billing period, number of Authorised Users, storage, AI usage, feature access or other usage criteria stated by the Company.

The Company may require payment in advance for the applicable Subscription period.

26.2 Monthly and Annual Billing

A monthly Subscription shall ordinarily be billed for each monthly Subscription period. An annual Subscription shall ordinarily be billed in advance for the entire annual Subscription period.

The User is responsible for reviewing the pricing, billing frequency and included features before completing the purchase.

26.3 Taxes

Subscription fees are exclusive of goods and services tax and any other applicable tax unless expressly stated otherwise. The User shall pay all taxes, duties and statutory charges applicable to the purchase or use of the Services.

The Company may issue invoices and collect tax in accordance with the information supplied by the User. The User is responsible for providing accurate billing details, tax-registration information and other information required for invoicing.

26.4 Payment Method

The User authorises the Company and its payment service provider to charge the applicable fees, taxes and authorised usage charges to the payment method selected by the User.

The Company does not necessarily receive or store complete card or banking credentials where payments are processed by a third-party payment service provider.

26.5 Payment Failure

Where a payment fails, is declined, reversed, disputed or remains unpaid, the Company may retry the payment, restrict paid functionality, suspend the Subscription, reduce the account to a free plan or terminate access.

The User remains liable for all amounts properly due for the period during which paid access was provided.

26.6 Billing Disputes

A User who believes that an invoice or charge is incorrect shall notify the Company within thirty days after the date of the relevant invoice or charge. The User shall provide sufficient information to enable the Company to investigate the matter.

Failure to raise a dispute within that period shall not waive any right that cannot lawfully be waived, but may limit the Company’s ability to investigate historical billing records.

27. AUTOMATIC RENEWAL AND CANCELLATION

27.1 Automatic Renewal

Unless cancelled before the applicable renewal date, a paid Subscription shall automatically renew for a period equal to the preceding Subscription period.

A monthly Subscription shall ordinarily renew for a further month, and an annual Subscription shall ordinarily renew for a further year.

27.2 Renewal Charges

By purchasing a recurring Subscription, the User authorises the Company or its payment service provider to charge the applicable renewal fee and taxes to the User’s selected payment method on or around each renewal date.

The User shall maintain a valid payment method and accurate billing information.

27.3 Changes to Renewal Pricing

The Company may change Subscription fees by providing reasonable notice before the new fee applies. Unless otherwise stated, a revised fee shall apply from the next renewal date.

If the User does not accept the revised fee, the User must cancel the Subscription before the renewal date.

27.4 Cancellation

The User may cancel automatic renewal through the account settings or by using another cancellation method made available by the Company.

Cancellation stops future renewal and does not ordinarily terminate access before the end of the Subscription period already paid for.

27.5 Effect of Cancellation

Following cancellation, the User may continue to use paid features until the end of the then-current Subscription period, subject to these Terms. At the end of that period, the account may be converted to a free plan, restricted or made inactive.

The User shall export information it wishes to retain before any applicable feature, storage or access limitation takes effect.

27.6 Refunds

Subscription fees are non-refundable except where a refund is required by applicable law, expressly provided in a written refund policy or approved by the Company in its discretion.

The User shall not be entitled to a refund merely because the User did not use the Services, failed to cancel before renewal, no longer requires the Platform, or disagrees with a feature change that does not materially prevent use of the subscribed Services.

27.7 No Refund for Beta Limitations

The User acknowledges the Beta status of the Platform. Except where required by law, the existence of bugs, temporary interruptions, feature changes or other disclosed Beta limitations shall not by itself create a right to a refund.

28. ACCEPTABLE USE

28.1 Lawful and Professional Use

The User shall use the Platform only for lawful professional purposes and in a manner consistent with the User’s registrations, authorisations, contractual obligations and responsibilities to Clients.

The User shall exercise appropriate professional judgement and shall not use the Platform to evade, conceal or misrepresent any legal, regulatory or contractual obligation.

28.2 Accurate Representation of the Platform

The User shall not represent that the Company or Goalstox has issued research, made an investment recommendation, provided investment advice, approved a product, assessed a Client’s suitability or accepted responsibility for a Report.

The User shall not remove, obscure or alter a mandatory disclaimer, data-source notice or attribution included by the Platform where such notice is required for proper interpretation of a Report.

28.3 Client Communications

The User shall not use the Platform to create or distribute false, deceptive, incomplete or misleading communications. The User shall ensure that every Report is reviewed and that all material qualifications, risks and limitations required for the relevant communication are included.

The User shall not present an illustrative projection, historical return or public-source data point as a guaranteed or assured outcome.

28.4 Account Misuse

The User shall not permit an unauthorised person to access the Platform, impersonate another person, create an account using false information or use another Tenant’s credentials.

The User shall not resell access to the Platform, operate the Platform as an unauthorised service bureau or allow unrelated third parties to use the User’s Subscription unless expressly permitted by the Company.

28.5 Harmful Activity

The User shall not upload malware, malicious code, corrupted files or content intended to disrupt, damage, monitor or obtain unauthorised access to the Platform or another system.

The User shall not probe, scan, test or attempt to defeat any security measure without the Company’s prior written authorisation.

28.6 Interference with Services

The User shall not use automated means or excessive requests in a manner that imposes an unreasonable load on the Platform, degrades performance, circumvents usage limits or interferes with another User’s access.

The Company may apply reasonable technical controls to prevent abuse, protect availability and maintain system stability.

28.7 Unlawful or Infringing Content

The User shall not upload, store or process content that is unlawful, fraudulent, defamatory, infringing, discriminatory, threatening or otherwise prohibited by applicable law.

The Company may remove or restrict access to content where it reasonably believes that continued processing creates a legal, security or operational risk.

29. PROHIBITED EXTRACTION, SCRAPING AND COMMERCIAL EXPLOITATION

29.1 No Scraping or Systematic Extraction

The User shall not use bots, crawlers, scripts, browser automation, data-mining tools or other automated methods to scrape, extract, copy or compile data, content, product information, report structures or other material from the Platform.

Ordinary use of authorised export and download features for the User’s own professional work shall not constitute prohibited extraction.

29.2 No Competing Database

The User shall not use information obtained through the Platform to create, populate or maintain a competing database, comparison portal, data service, research service, analytics product or other commercial information product.

The User shall not systematically reproduce public-source data displayed through the Platform for resale or redistribution.

29.3 No Resale of Reports as Platform Content

The User may share Reports with its own Clients in connection with the User’s lawful professional services. The User shall not sell, license, publish or redistribute Reports as a general commercial report library, research publication, data feed or white-labelled software service unless separately authorised in writing.

29.4 No Removal of Source or Ownership Notices

The User shall not remove copyright notices, source references, disclaimers, proprietary notices or “powered by” attribution from Platform-generated material where removal is restricted by the applicable report template or Subscription.

29.5 No Circumvention

The User shall not circumvent technical restrictions, account limits, pricing controls, access permissions or security mechanisms to obtain functionality or information beyond the User’s authorised Subscription.

30. INTELLECTUAL PROPERTY RIGHTS

30.1 Ownership of the Platform

The Company and its licensors retain all rights, title and interest in and to the Platform and its software, source code, object code, architecture, workflows, user interfaces, designs, report formats, templates, databases, documentation, technical processes, trademarks and other intellectual property.

Except for the limited right to use the Services under these Terms, no right or licence is granted to the User by implication, estoppel or otherwise.

30.2 Platform Content

Text, layouts, templates, explanations, graphical elements, workflows and other content created by the Company for inclusion in the Platform remain the property of the Company or the relevant licensor.

The User may use such content only as part of the Services and only for the User’s authorised professional purposes.

30.3 Goalstox Materials and Data Sources

Information or material supplied through Goalstox may be owned by Goalstox, the original public source, a product manufacturer or another rights holder.

Nothing in these Terms transfers ownership of such information or grants the User rights beyond those necessary to use the Platform in accordance with these Terms.

30.4 User Branding

The User retains ownership of its name, logo and other branding supplied to the Platform. The User grants the Company a limited right to store, reproduce and display such branding solely for operating the Tenant and generating Reports requested by the User.

The User represents that it has the right to use all branding and other material it uploads.

30.5 User-Generated Material

Subject to the Company’s rights in the Platform, the User retains its rights in original text, comments, configurations and other material created by the User.

Where User-generated material incorporates Platform templates, public-source data, Goalstox-provided information or Company-owned content, the User’s rights shall not extend to the underlying material owned by the Company or another person.

30.6 No Reverse Engineering

The User shall not reverse engineer, decompile, disassemble, decode, translate, adapt or attempt to discover the source code, underlying structure, algorithms, database design or non-public technical operation of the Platform.

The User shall not create a derivative software product based upon the Platform, except to the extent that a restriction is prohibited by applicable law.

30.7 No Copying of User Interface or Workflows

The User shall not copy or reproduce the Platform’s user interface, report templates, workflows, data structure, navigation, visual design or other distinctive elements for use in another software service or commercial product.

30.8 Reservation of Rights

All rights not expressly granted under these Terms are reserved by the Company and the relevant rights holders.

31. REPORT BRANDING AND ATTRIBUTION

31.1 Tenant Branding

The Platform may permit the User to include its own business name, logo, contact details and other approved branding in Reports.

The inclusion of Tenant branding indicates that the Report is issued or communicated by the User. It does not imply that the Company or Goalstox has approved the User’s professional judgement or Client communication.

31.2 Powered-by Attribution

The Platform and Reports may state that the technology is powered by MyQuestionBox Education OPC Private Limited and Goalstox Technology Private Limited.

Such attribution identifies the providers of the software infrastructure and certain data inputs. It shall not be interpreted as stating that either company has issued research, made a recommendation, advised the Client, approved the Report or accepted responsibility for the User’s communication.

31.3 Mandatory Disclaimers

The Company may require specified disclaimers, source notices, Beta notices, AI notices or verification statements to appear in a Report or on the Platform.

The User shall not remove or materially alter a mandatory notice unless the Platform expressly permits the change or the Company provides written approval.

31.4 User’s Regulatory Disclosures

The User is solely responsible for adding every registration detail, disclosure, conflict statement, risk warning and other notice required for the User’s professional activity.

The Platform’s report template shall not be treated as confirmation that all disclosures applicable to the User have been included.

31.5 No Endorsement of User Branding

The Company’s technical acceptance of a logo, trade name or report template does not constitute endorsement of the User or verification of the User’s authority to use such branding.

The Company may remove or restrict branding that it reasonably believes is unlawful, misleading, infringing or inconsistent with the nature of the Platform.

32. THIRD-PARTY LINKS, SERVICES AND CONTENT

32.1 Third-Party Material

The Platform may contain links to, references to or integrations with websites, services, documents or content operated by third parties.

Such material is provided for convenience or functionality and does not mean that the Company endorses or controls the third party.

32.2 Separate Terms

The User’s use of a third-party website, service, payment processor, analytics service, hosting provider, AI service or other integration may be subject to separate terms and privacy practices.

The User is responsible for reviewing and complying with the terms applicable to its direct use of such third-party service.

32.3 No Responsibility for Third-Party Content

The Company does not warrant the accuracy, availability, security or continued operation of third-party websites, public sources, integrations or services.

A change, interruption or withdrawal by a third party may affect Platform functionality without creating liability on the part of the Company, except where liability cannot lawfully be excluded.

32.4 No Endorsement of Linked Products

A link to a product manufacturer, industry body, self-regulatory organisation or other information source does not constitute an endorsement or recommendation of the source, product or information.

The User shall independently assess the relevance and reliability of third-party material before using it.

33. SERVICE AVAILABILITY, MAINTENANCE AND SUPPORT

33.1 Availability of the Platform

The Company shall use reasonable efforts to make the Platform available to Users. The User acknowledges, however, that the Platform is provided through internet-based systems and depends upon software, servers, networks, hosting providers, data providers, artificial intelligence providers, payment providers and other third-party infrastructure that may not remain continuously available.

The Company does not guarantee uninterrupted, continuous, instantaneous or error-free access to the Platform. Access may be delayed, restricted or unavailable because of maintenance, upgrades, software defects, security incidents, internet or network failure, third-party service interruption, excessive demand, legal restrictions or circumstances beyond the Company’s reasonable control.

33.2 Scheduled Maintenance

The Company may temporarily suspend or restrict access to the Platform for scheduled maintenance, upgrades, data migrations, infrastructure changes, security improvements or deployment of new functionality.

Where reasonably practicable, the Company may provide advance notice of maintenance expected to cause a material interruption. Failure to provide advance notice shall not constitute a breach of these Terms where prior notice was impracticable or the maintenance was required urgently.

33.3 Emergency Maintenance

The Company may undertake emergency maintenance or immediately suspend any Service where it reasonably considers such action necessary to protect the Platform, Client Data, Users, service providers, security, system integrity or legal compliance.

Emergency action may be taken without advance notice. The Company shall use reasonable efforts to restore affected functionality after the relevant risk has been addressed.

33.4 Support

The Company may provide technical support through the channels and during the hours stated on the Platform or in the applicable Subscription plan.

Unless separately agreed in writing, the Company does not guarantee a particular response time, resolution time or outcome for a support request. Support does not include legal advice, regulatory advice, investment advice, research, product due diligence, verification of financial-product data or approval of a Report.

33.5 User Cooperation

The User shall provide complete and accurate information reasonably required to investigate a support issue. The User shall not disclose unnecessary Client Personal Information, passwords, authentication credentials or confidential documents in a support request.

The Company may be unable to investigate or resolve an issue where the User does not provide sufficient information, refuses reasonable diagnostic steps, uses an unsupported environment or has modified, misused or circumvented the Platform.

33.6 Supported Systems

The Platform may be designed for specified browsers, devices, operating systems, file formats and technical environments. The Company does not warrant that the Platform will function correctly on every browser, device, network, operating system or configuration.

The User is responsible for maintaining compatible systems, a reliable internet connection, current browser software and reasonable device security.

33.7 No Service-Level Agreement

No service-level agreement, uptime commitment, service credit, guaranteed recovery time or guaranteed response time applies unless it is expressly set out in a separate written agreement signed by the Company.

The availability of indicative status information, estimated response times or support targets shall not create a binding service-level commitment.

34. PLATFORM CHANGES, UPDATES AND DEPENDENCIES

34.1 Continuing Development

The Platform is continuously developed and may be changed from time to time. The Company may modify its design, workflows, report formats, features, technical architecture, data fields, storage limits, security controls, integrations, AI functionality and other aspects of the Services.

A change intended to improve security, correct an error, comply with law, address a third-party requirement or protect the Platform may be implemented without prior notice.

34.2 Feature Modification or Withdrawal

The Company may add, replace, limit, suspend or discontinue a feature, module, integration, report template, data field or other part of the Platform.

The continued availability of a feature during a Beta period, free trial, promotional period or previous Subscription term does not guarantee that the feature will remain available indefinitely.

34.3 Third-Party Dependencies

Certain Services depend upon Goalstox, public-source information, hosting providers, artificial intelligence providers, payment processors and other third parties.

Where a third party changes, restricts, withdraws or suspends its service, data, interface, licence or technical support, the Company may modify or discontinue the affected Platform functionality. Such action shall not constitute a breach of these Terms where the Company has acted reasonably in response to the third-party change.

34.4 Updates to Data and Reports

Changes to Platform functionality, Platform Defaults, public-source information, product lists, assumptions or report templates do not necessarily update a Report that was previously generated.

The User remains responsible for determining whether an earlier Report should be revised, withdrawn or replaced.

34.5 User-Requested Customisation

Any custom feature, integration, configuration or modification requested by a User shall be governed by a separate written agreement where the Company accepts the request.

A discussion, demonstration, support conversation or feature request does not obligate the Company to develop, deliver or maintain the requested functionality.

35. DISCLAIMERS AND EXCLUSION OF WARRANTIES

35.1 Platform Provided on an As-Is Basis

To the fullest extent permitted by applicable law, the Platform, Services, Reports, AI Features, Platform Defaults, public-source information, document-processing functionality and all related content are provided on an “as is”, “as available” and “with all faults” basis.

The User accepts the Platform in its current state, including its Beta status, disclosed limitations and dependence upon information and services supplied by third parties.

35.2 Exclusion of Implied Warranties

To the fullest extent permitted by law, the Company excludes all representations, warranties, conditions and terms that are not expressly stated in these Terms, whether express, implied, statutory or otherwise.

Without limiting the foregoing, the Company does not warrant merchantability, satisfactory quality, fitness for a particular purpose, accuracy, completeness, non-infringement, compatibility, uninterrupted availability, error-free operation or suitability for the User’s professional, regulatory, commercial or technical requirements.

35.3 No Warranty Concerning Reports

The Company does not warrant that a Report will be complete, accurate, current, legally sufficient, regulatorily compliant, suitable for a particular Client or free from errors arising from Client Data, Tenant configurations, Tenant disclaimers, Platform Defaults, public-source information, document extraction, mathematical processing, AI-generated language or software operation.

The generation, formatting, downloading or successful export of a Report does not constitute approval or verification of that Report by MyQuestionBox or Goalstox.

35.4 No Warranty Concerning Financial-Product Information

Neither MyQuestionBox nor Goalstox warrants that financial-product information received from manufacturers, managers, industry bodies, self-regulatory organisations or other public sources is accurate, complete, consistent, current or suitable for a particular purpose.

Neither company independently calculates or verifies the returns, ratios, risk measures, benchmarks or other financial-product information reproduced from such sources.

35.5 No Warranty Concerning Platform Defaults

Platform Defaults are initial software configurations only. Neither MyQuestionBox nor Goalstox warrants that a default product list, product priority, asset allocation, investment amount, systematic investment plan amount, assumption, Primary Disclaimer, Secondary Disclaimer or other initial setting is suitable for the User, a Client, a Report or a particular regulatory category.

35.6 No Warranty Concerning Artificial Intelligence

Neither MyQuestionBox nor Goalstox warrants that AI Output will be accurate, complete, current, original, unbiased, non-infringing or appropriate for a Client.

AI Output may contain hallucinated, fabricated, incomplete, outdated, unsupported or misleading information. The User must meaningfully review and independently verify every AI Output before use.

35.7 No Warranty of Professional or Regulatory Compliance

The Company does not warrant that use of the Platform will satisfy the User’s obligations under any law, regulation, circular, code, licence, registration, principal agreement, professional standard or contractual requirement.

The Platform is not a complete compliance system, and the Company does not provide legal, regulatory, tax, accounting or compliance advice.

35.8 No Investment Outcome Warranty

Neither MyQuestionBox nor Goalstox warrants or guarantees any investment return, investment performance, capital protection, achievement of a financial goal, reduction of risk or other financial outcome.

Historical information and illustrative calculations must not be treated as assurances or predictions of future results.

35.9 Non-Excludable Rights

Nothing in these Terms excludes a warranty, right, remedy or liability that cannot lawfully be excluded or limited.

Where applicable law permits a warranty or remedy to be limited but not excluded, the Company’s responsibility shall be limited to the maximum extent permitted by that law.

36. LIMITATION OF LIABILITY

36.1 Application of this Section

The limitations in this Section apply to all claims arising out of or relating to the Platform, Services, Reports, Subscriptions, Client Data, AI Features, Platform Defaults, public-source information, these Terms or the relationship between the User and the Company.

They apply regardless of whether a claim arises in contract, tort, negligence, misrepresentation, restitution, breach of statutory duty, indemnity or otherwise and regardless of whether the Company was informed that a loss was possible.

36.2 Excluded Categories of Loss

To the fullest extent permitted by applicable law, neither the Company nor Goalstox shall be liable for any indirect, incidental, special, exemplary, punitive, remote or consequential loss or damage.

Neither the Company nor Goalstox shall be liable for loss of profit, revenue, business, opportunity, goodwill, reputation, anticipated savings, data use, investment value, investment return or Client relationship, whether such loss is direct or indirect.

36.3 Investment and Professional Losses

Neither the Company nor Goalstox shall be liable for an investment loss, missed investment opportunity, failure to achieve a financial goal, Client complaint, Client claim, regulatory enquiry, regulatory action, professional disciplinary action, disclosure failure or other consequence arising from a Report, professional communication, investment decision, product selection, suitability determination or recommendation made or issued by a User.

36.4 Reports and Tenant Disclaimers

Neither the Company nor Goalstox shall be liable for any loss arising from an inaccurate, incomplete, outdated, unsuitable or legally insufficient Primary Disclaimer or Secondary Disclaimer entered, retained, approved or used by a Tenant.

Neither company shall be liable because the Platform reproduced disclaimer wording substantially as entered by the Tenant.

36.5 Public-Source Information and Goalstox Data

Neither the Company nor Goalstox shall be liable for an error, omission, delay, correction, methodological difference or inaccuracy in information originally published by a manufacturer, manager, industry body, self-regulatory organisation or other public source.

Neither company shall be liable merely because the Platform did not immediately reflect a correction, restatement, product change, benchmark change, corporate action, regulatory development or other update.

36.6 Document Processing and AI

Neither the Company nor Goalstox shall be liable for an extraction error, mapping error, classification error, duplicated information, omitted information, AI hallucination, fabricated statement, incorrect explanation or other error arising from automated document processing or artificial intelligence.

This limitation applies particularly where the User failed to conduct the mandatory human review required by these Terms.

36.7 User Inputs and Configurations

The Company shall not be liable for a loss arising from inaccurate, incomplete or outdated Client Data, User Content, Tenant configurations, product priorities, assumptions, permissions, instructions or other information supplied, selected, retained or approved by the User.

36.8 Third-Party Services

The Company shall not be liable for an interruption, outage, security event, delay, data issue, policy change or other failure caused by a hosting provider, internet service provider, payment processor, AI provider, public-data source or another third party outside the Company’s reasonable control.

36.9 Data Loss

The Company shall not be liable for loss of Client Data, Reports, documents, configurations or other information where the loss could reasonably have been avoided by the User maintaining independent copies or exports as required by these Terms.

The User shall not treat the Platform as its sole regulatory archive, document repository or business-continuity backup.

36.10 Aggregate Liability Cap

Subject to Section 36.12, the total aggregate liability of the Company arising out of or relating to the Platform, Services and these Terms shall not exceed the total Subscription fees actually paid by the User to the Company during the twelve months immediately preceding the event giving rise to the first claim.

Where the claim arises from use of a free, trial or freemium account and no Subscription fee was paid during that period, the Company’s total aggregate liability shall not exceed five thousand Indian rupees.

The liability cap applies collectively to all claims arising from the same or related events and shall not be increased by the number of Users, Authorised Users, Clients, Reports, transactions, legal theories or claims involved.

36.11 Goalstox Liability

To the fullest extent permitted by law, Goalstox shall have no liability to a User or Client merely because it supplies Platform Defaults or publicly available financial-product information to MyQuestionBox.

Where Goalstox is found liable notwithstanding this provision, its aggregate liability shall be subject to the same limitations and cap that apply to the Company under this Section.

36.12 Liability That Cannot Be Limited

Nothing in these Terms excludes or limits liability to the extent that exclusion or limitation is prohibited by applicable law.

The limitations in this Section shall be interpreted and reduced only to the minimum extent necessary to make them enforceable.

36.13 Commercial Allocation of Risk

The User acknowledges that the fees charged for the Platform reflect the allocation of risk contained in these Terms and that the Company would not provide the Services on the same commercial basis without these exclusions and limitations.

37. INDEMNITY

37.1 Indemnified Parties

For the purposes of this Section, the “Indemnified Parties” are MyQuestionBox, Goalstox, their respective directors, officers, employees, representatives, service providers, licensors, successors and permitted assigns.

37.2 User Indemnity

The User shall indemnify, defend and hold harmless the Indemnified Parties from and against all third-party claims, proceedings, investigations, demands, losses, damages, penalties, costs and reasonable legal expenses arising out of or relating to the User’s access to or use of the Platform.

This indemnity includes claims arising from a Report issued or shared by the User, a professional opinion or recommendation made by the User, a Client communication, an investment or product decision, a breach of the User’s regulatory or professional obligations, or the User’s failure to conduct mandatory human review.

37.3 Client Data and Privacy Indemnity

The User shall indemnify the Indemnified Parties against claims arising from the User’s collection, upload, use, disclosure, retention or deletion of Client Data, including any failure to provide a required notice, obtain required consent, maintain lawful authority or respond appropriately to a Client request.

The indemnity shall also apply where an Authorised User enters Personal Information or confidential information into an AI Feature contrary to these Terms or the AI Usage and Limitations Policy.

37.4 Disclaimer and Report Indemnity

The User shall indemnify the Indemnified Parties against claims arising from the Primary Disclaimer, Secondary Disclaimer, registration details, disclosure wording, branding or other content entered, retained, approved or issued by the Tenant.

This applies whether the Tenant created the wording independently or retained editable default wording initially provided by the Platform.

37.5 Intellectual-Property Indemnity

The User shall indemnify the Indemnified Parties against claims that User Content, uploaded documents, Tenant branding, instructions, Report content or other material supplied by the User infringes another person’s intellectual-property, confidentiality, privacy or proprietary rights.

37.6 Account and Authorised-User Indemnity

The User shall indemnify the Indemnified Parties against claims arising from the acts or omissions of Authorised Users, persons using the User’s credentials, or persons to whom the User granted or failed to withdraw access.

37.7 Breach of Terms and Misuse

The indemnity applies to claims arising from the User’s breach of these Terms, unlawful use of the Platform, scraping, resale, reverse engineering, security interference, misleading representation of the Platform, or false attribution of research, advice or recommendations to MyQuestionBox or Goalstox.

37.8 Indemnity Procedure

The Company shall provide the User with reasonable notice of a claim for which indemnity is sought, provided that delayed notice shall not relieve the User of its obligations except to the extent the delay materially prejudices the defence.

The Company may permit the User to control the defence of the claim with legal counsel reasonably acceptable to the Company. The User shall not settle a claim in a manner that admits fault by, imposes an obligation upon or restricts the activities of an Indemnified Party without that party’s prior written consent.

The relevant Indemnified Party may participate in the defence using its own counsel at its own cost, except where separate representation is reasonably required because of a conflict of interest or the User’s failure to conduct an adequate defence.

38. SUSPENSION AND RESTRICTION OF ACCESS

38.1 Grounds for Suspension

The Company may suspend, restrict or disable access to all or part of the Platform where it reasonably believes that the User has breached these Terms, failed to pay an amount due, created a security or operational risk, used the Platform unlawfully, misrepresented the role of MyQuestionBox or Goalstox, or used the Platform outside the User’s lawful professional capacity.

The Company may also suspend access where it receives a lawful direction from a court, regulator or governmental authority or where suspension is necessary to investigate suspected fraud, misuse, unauthorised access or infringement.

38.2 Immediate Suspension

The Company may suspend access immediately and without prior notice where delay could expose the Company, Goalstox, a User, Client, service provider or other person to material legal, security, financial or reputational risk.

Immediate suspension may also occur where malicious activity, compromised credentials, unlawful content, misleading disclaimers or prohibited automated use is detected or reasonably suspected.

38.3 Limited Suspension

Where reasonably practicable, the Company may limit suspension to the affected User, Authorised User, feature, integration, Report type, data field or Tenant rather than suspending the entire Platform account.

The Company is not required to use a narrower measure where it reasonably considers broader suspension necessary to address the relevant risk.

38.4 Investigation and Cooperation

The User shall cooperate with reasonable requests made by the Company during an investigation. The Company may require the User to provide information, reset credentials, remove unlawful content, correct a misleading representation, update an insecure configuration or take another reasonable remedial step before access is restored.

38.5 No Liability for Permitted Suspension

The Company shall not be liable for loss arising from a suspension or restriction properly imposed under these Terms.

Suspension does not relieve the User from paying fees that became due before or during the suspension, except where the Company expressly agrees otherwise.

39. TERMINATION

39.1 Termination by the User

The User may terminate these Terms by cancelling its Subscription, discontinuing use of the Platform and deleting or requesting deletion of its account.

Cancellation of automatic renewal shall ordinarily take effect at the end of the current paid Subscription period unless the User separately requests immediate account deletion.

39.2 Termination by the Company for Breach

The Company may terminate these Terms or the User’s access to the Platform where the User materially breaches these Terms and, where the breach is capable of remedy, fails to remedy it within a reasonable period after receiving notice.

The Company may terminate immediately where the breach is incapable of remedy or where continued access creates a material legal, security, regulatory, operational or reputational risk.

39.3 Termination for Non-Payment

The Company may terminate or reduce the User’s Subscription where an amount remains unpaid after reasonable attempts to collect it.

Termination for non-payment does not waive the Company’s right to recover amounts properly due.

39.4 Termination for Unlawful or Misleading Use

The Company may terminate access immediately where the User uses the Platform for unlawful activity, falsely represents that MyQuestionBox or Goalstox provides research, investment advice or recommendations, distributes Reports without required professional review, or uses Tenant disclaimers to misstate the role of either company.

39.5 Termination of Beta or Free Services

The Company may discontinue a Beta, trial, promotional, free or freemium Service at any time.

Where reasonably practicable, the Company may provide notice and an opportunity to export available data before discontinuation. No minimum notice period shall apply unless expressly agreed in writing or required by law.

39.6 Termination of the Platform

The Company may discontinue the Platform or a material part of it for commercial, technical, legal or operational reasons.

Where reasonably practicable, the Company shall provide advance notice to active paid Users and allow a reasonable opportunity to export information supported by the Platform.

40. CONSEQUENCES OF EXPIRY OR TERMINATION

40.1 Cessation of Access

Upon expiry, deletion or termination of an account, the User’s right to access and use the affected Services shall cease.

The Company may deactivate login credentials, disable Authorised Users and prevent access to Client Data, Reports, documents, configurations and other information stored in the Tenant.

40.2 Outstanding Amounts

Termination does not affect the User’s obligation to pay fees, taxes or other amounts that became due before the effective termination date.

Except where required by law or expressly agreed otherwise, termination does not entitle the User to a refund of prepaid fees.

40.3 Data Export

The User is responsible for exporting information it wishes or is required to retain before deleting an account or before access expires.

The Company is not required to maintain indefinite access solely to enable a User to complete an export after termination.

40.4 Data Retention and Deletion

Following expiry or termination, data shall be retained or deleted in accordance with the data-retention provisions of these Terms and the Privacy Policy.

Deletion from active systems may not immediately remove residual copies from encrypted or restricted backups.

40.5 Previously Generated Reports

Termination does not cause previously generated Reports to update, become invalid or be withdrawn automatically.

The User remains responsible for Reports previously issued and for taking any corrective action required in relation to an inaccurate, outdated or misleading Report.

40.6 Return or Destruction of Confidential Information

Each party shall cease using the other party’s Confidential Information after termination except to the extent retention or continued use is authorised by these Terms, required by law or reasonably necessary to establish or defend a legal claim.

40.7 No Transfer of Software or Configuration

Termination does not entitle the User to receive the Platform’s source code, database design, proprietary workflows, system prompts, technical configuration, internal methods or other Company intellectual property.

41. FORCE MAJEURE

41.1 Events Beyond Reasonable Control

The Company shall not be liable for delay, interruption or failure to perform an obligation caused by an event beyond its reasonable control.

Such events may include natural disasters, flood, fire, epidemic, pandemic, war, terrorism, civil disorder, labour disruption, governmental action, legal restriction, internet failure, telecommunications failure, power failure, cyberattack, denial-of-service attack, infrastructure failure, cloud-provider outage, third-party service interruption or failure of a public-data source.

41.2 Effect of Force Majeure

The affected obligation shall be suspended for the duration and to the extent of the force-majeure event.

The Company shall use commercially reasonable efforts to reduce the effect of the event and resume the affected Services when reasonably practicable.

41.3 Extended Force Majeure

Where a force-majeure event materially prevents provision of the Services for an extended period, the Company may terminate or discontinue the affected Service upon notice.

Unless required by applicable law, the Company shall not be responsible for consequential loss, business interruption or investment-related loss arising from such termination or interruption.

42. DISPUTE RESOLUTION

42.1 Good-Faith Resolution

Before commencing formal proceedings, a party shall give the other party written notice describing the dispute and the relief sought.

The parties shall attempt in good faith to resolve the dispute through discussions between representatives authorised to settle it. If the dispute is not resolved within thirty days after receipt of the notice, either party may refer the dispute to arbitration in accordance with this Section.

42.2 Arbitration

Any dispute, controversy or claim arising out of or relating to these Terms, the Platform, the Services, a Subscription or their validity, interpretation, performance, breach or termination shall be finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, 1996, as amended from time to time.

42.3 Sole Arbitrator

The arbitration shall be conducted by a sole arbitrator mutually appointed by the parties.

If the parties do not agree upon the arbitrator within thirty days after a valid request for arbitration, the arbitrator shall be appointed in accordance with the procedure available under applicable law.

42.4 Seat and Venue

The juridical seat of arbitration shall be Mumbai, Maharashtra, India.

Hearings may be conducted physically in Mumbai, electronically or through a combination of physical and electronic means, as directed by the arbitrator after considering the circumstances of the parties.

42.5 Language and Confidentiality

The language of the arbitration shall be English.

The existence of the arbitration, submissions, evidence, hearings and award shall be kept confidential except to the extent disclosure is required by law, necessary to enforce or challenge an award, or reasonably required for professional advice.

42.6 Interim Relief

Nothing in this Section prevents a party from seeking urgent interim, protective or injunctive relief from a court of competent jurisdiction.

Courts in Mumbai, Maharashtra shall have jurisdiction over applications relating to interim measures, appointment proceedings, enforcement and other court proceedings connected with the arbitration, subject to applicable law.

42.7 Costs

The arbitrator may allocate the fees, costs and reasonable legal expenses of the arbitration in the award.

Until such allocation, each party shall bear its own legal costs and an equal share of the arbitrator’s fees and institutional or administrative expenses, if any.

42.8 Individual Proceedings

To the extent permitted by law, disputes shall be resolved between the parties on an individual basis.

Neither party shall combine a claim with that of another person or pursue representative proceedings through the arbitration without the written agreement of the other party, except where applicable law requires otherwise.

43. GOVERNING LAW AND JURISDICTION

43.1 Governing Law

These Terms, the Platform, the Services and the relationship between the User and the Company shall be governed by and interpreted in accordance with the laws of India.

43.2 Court Jurisdiction

Subject to the arbitration provisions of these Terms and any statutory forum that cannot lawfully be excluded, courts in Mumbai, Maharashtra shall have exclusive jurisdiction.

43.3 Mandatory Statutory Rights

Nothing in these Terms prevents a person from approaching a regulator, governmental authority, statutory adjudicatory body or court where applicable law grants a right that cannot validly be restricted by contract.

44. NOTICES

44.1 Notices to the User

The Company may give a notice to the User by email to the address associated with the account, through a notice within the Platform, through the User’s account dashboard or by another electronic method reasonably calculated to bring the notice to the User’s attention.

A notice sent by email shall be treated as received when transmitted, unless the Company receives an automated notification that delivery failed. A notice displayed within the Platform shall be treated as received when the User next accesses the Platform or three days after it is posted, whichever occurs first.

44.2 Notices to the Company

A formal legal notice to the Company must be sent to the legal or support email address designated on the Platform and, where the notice concerns termination, litigation, arbitration or a material breach, by recognised courier or registered post to the Company’s registered office.

The notice must identify the User, relevant account, subject matter and relief sought and must contain sufficient information to permit the Company to understand and respond to it.

44.3 Operational Communications

Routine support requests, feature requests, billing questions and error reports may be submitted through the ordinary support channels made available by the Company.

Such communication shall not be treated as a formal legal notice unless it clearly states that it is intended to constitute one and satisfies the requirements of this Section.

44.4 Updated Contact Information

The User shall keep its email, address and administrator information current.

The Company shall not be responsible where a notice is not received because the User failed to update its contact details, restricted delivery from the Company or ceased monitoring the relevant account.

45. ASSIGNMENT AND TRANSFER

45.1 Restriction on User Assignment

The User shall not assign, transfer, novate, sublicense or otherwise dispose of its rights or obligations under these Terms without the Company’s prior written consent.

A transfer of control of the User, merger, business sale or transfer of substantially all of the User’s relevant assets shall be treated as an assignment for the purposes of this Section.

45.2 Assignment by the Company

The Company may assign, transfer or novate these Terms to an affiliate, successor, purchaser of the Platform or entity acquiring all or a substantial part of the Company’s relevant business or assets.

The Company may also assign payment receivables or engage service providers to perform operational obligations without obtaining the User’s consent.

45.3 Effect of Permitted Assignment

These Terms bind and benefit the parties and their permitted successors and assigns.

An unauthorised assignment by the User shall be void to the extent permitted by law.

46. RELATIONSHIP OF THE PARTIES

46.1 Independent Parties

The User and the Company are independent contracting parties.

Nothing in these Terms creates a partnership, joint venture, employment relationship, franchise, fiduciary relationship, agency or authority for either party to bind the other.

46.2 No Agency Involving Goalstox

The provision of Platform Defaults or publicly available information through Goalstox does not create an agency, partnership, Rm, fiduciary or employment relationship among the User, MyQuestionBox and Goalstox.

Neither MyQuestionBox nor Goalstox may be represented as having authorised the User to act on its behalf merely because the User accesses the Platform.

46.3 No Exclusivity

Unless separately agreed in writing, these Terms do not create an exclusive relationship.

The Company may provide the Platform or similar services to other users, including businesses that compete with the User.

47. WAIVER

A failure or delay by a party in exercising a right or remedy shall not constitute a waiver of that right or remedy.

A waiver shall be effective only if made in writing by a person authorised to give it and shall apply only to the particular circumstance for which it is given.

The exercise of a right or remedy on one occasion shall not prevent its later exercise or the exercise of another right or remedy.

48. SEVERABILITY

If a provision of these Terms is held to be invalid, illegal or unenforceable, the provision shall be interpreted or modified to the minimum extent necessary to make it valid and enforceable while preserving its commercial purpose as far as possible.

If such modification is not possible, the affected provision shall be severed, and the remaining provisions shall continue in full force.

The invalidity of a provision in one jurisdiction shall not automatically affect its validity in another jurisdiction.

49. ORDER OF PRECEDENCE

Where the User has entered into a separate written agreement, order form or commercial proposal expressly accepted by the Company, the documents shall apply together.

In the event of an inconsistency, a separately signed agreement shall prevail over an order form, an order form shall prevail over these Terms solely in relation to the commercial or operational matter expressly addressed in it, and these Terms shall prevail over general marketing material, website descriptions, demonstrations, support communications and informal discussions.

The Privacy Policy shall govern the Company’s handling of Personal Information. The Software and Report Disclaimer and AI Usage and Limitations Policy shall govern the specific risks and restrictions addressed in those documents.

50. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy, Software and Report Disclaimer, Cookie and Similar Technologies Policy, AI Usage and Limitations Policy, applicable order form and any additional terms expressly incorporated by reference, constitute the entire agreement between the User and the Company concerning the Platform and Services.

They supersede all prior or contemporaneous proposals, representations, communications, discussions and understandings concerning the same subject matter, whether written or oral.

The User confirms that it has not relied upon a representation, promise or assurance that is not expressly included in the applicable agreement.

Nothing in this Section excludes liability for fraudulent misrepresentation to the extent that such liability cannot lawfully be excluded.

51. AMENDMENTS TO THE TERMS

51.1 Right to Amend

The Company may amend these Terms to reflect changes in the Platform, Subscription model, service providers, legal requirements, security practices, product development or business operations.

51.2 Notice of Material Changes

Where an amendment materially affects an active User’s rights or obligations, the Company may provide notice through email, the Platform, the account dashboard or another reasonable method.

The notice may specify the date on which the revised Terms will take effect.

51.3 Acceptance of Revised Terms

The Company may require the User to affirmatively accept revised Terms before continuing to access some or all of the Platform.

Where affirmative acceptance is not required, continued use after the stated effective date shall constitute acceptance of the revised Terms, except where applicable law requires another form of consent.

51.4 Rejection of Revised Terms

If the User does not agree to revised Terms, the User must discontinue use, cancel automatic renewal and delete or request deletion of its account before the revised Terms take effect.

Amounts already paid shall remain subject to the applicable cancellation and refund provisions.

52. SURVIVAL

Any provision that by its nature is intended to continue after expiry or termination shall survive.

Without limiting the foregoing, provisions concerning intellectual property, confidentiality, payment obligations, disclaimers, exclusion of warranties, limitation of liability, indemnity, dispute resolution, governing law, previously generated Reports, data retention, Tenant responsibility and general contractual interpretation shall survive expiry or termination.

53. NO THIRD-PARTY BENEFICIARIES

Except for Goalstox and the other Indemnified Parties to the extent that a provision expressly grants them a protection, indemnity, exclusion or limitation, these Terms do not confer contractual rights upon any person who is not a party to them.

A Client or recipient of a Report does not acquire a right against the Company merely because the Client’s information is processed through the Platform or the recipient receives a Report generated by a User.

54. FURTHER ASSURANCE

Each party shall take reasonable steps and execute reasonable documents required to give effect to a valid assignment, termination, data export, dispute resolution process or other provision of these Terms.

Nothing in this Section requires the Company to disclose source code, confidential security information, proprietary system architecture or material that it is not legally entitled to disclose.

55. CONTACT DETAILS

Formal notices, legal correspondence and questions concerning these Terms may be addressed to:

MyQuestionBox Education OPC Private Limited
B902, Vicinia
Chandivali, Powai
Mumbai – 400072
Maharashtra, India

Website: review.startuperr.com
Email: [Insert Legal or Support Email Address]

Information concerning Goalstox may be obtained from:

Goalstox Technology Private Limited
B902, Vicinia
Chandivali, Powai
Mumbai – 400072
Maharashtra, India

Website: goalstox.com