Terms of Service

1. Acceptance of Terms & Relationship

These Terms and Conditions (“Terms”, “Terms and Conditions”) govern your relationship with https://www.myfinancesheet.com/ website (the “Service”) operated by MyFinanceSheet (“us”, “we”, or “our”).

By registering an account and accessing the MyFinanceSheet application dashboard, you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, you are prohibited from using the platform.

2. Disclosures & Risk Warning

Risk Disclosure: Trading financial assets, cash equities, commodities, and derivatives carries a high level of capital risk. Options and futures trading involve substantial leverage and can fluctuate rapidly. Under certain market regimes, exiting positions to limit losses can become difficult due to liquidity slippage.

Testimonial Disclosure: User reviews, trading diary case studies, and testimonials represent individual experiences. They are not indicators or guarantees of future results or success.

Hypothetical Performance Disclosure: Historical probability stats, backtester simulation scorecards, and AI Coach regime forecasts are hypothetical representations based on mathematical formulas and do not represent actual live-money results.

3. Trials, Fees & Refunds

Free Trial: New registered profiles receive a **2-Day Free Trial** (48 hours) to evaluate the journal dashboard, AI Coaching, and backtester analytics. Once the trial expires, the account is downgraded to the Free tier limits (0 coach queries, 0 backtest runs) unless a paid subscription is activated.

Fee Changes: We reserve the right to modify subscription fees for any paid tiers (Lite or Pro) at our discretion. Any pricing changes will be posted with advance notice to active subscribers.

Refunds: Paid Subscription fees are non-refundable. View our Billing, Cancellation, and Refund Policy to learn more.

4. Content & Account Security

Content: You retain full ownership and intellectual rights of any trading logs, notes, setup descriptions, and screenshots uploaded to your private journal. You warrant that you have the right to upload this data and that it does not violate third-party rights.

Accounts: You are fully responsible for maintaining the confidentiality of your credentials and the **4-digit App PIN Lock** used to secure your local browser cache storage. Account sharing across multiple concurrent active devices is prohibited and constitutes a terms violation.

5. Copyright Policy & Intellectual Property

Copyright Policy: We respect intellectual property rights. If you believe any content on our platform infringes your copyrights, you may submit a DMCA or copyright notice to support@myfinancesheet.com.

Intellectual Property: All software code, UI designs, graphics, branding logs, and proprietary features of MyFinanceSheet are the exclusive property of MyFinanceSheet and protected by copyright and trademark laws.

6. Links To Other Web Sites & Termination

Links To Other Web Sites: The Service contains links to third-party web sites or services (e.g. Zerodha Kite, Dhan, Groww, Yahoo Finance) that are not owned or controlled by us. We assume no liability for the content, privacy, or practices of any third-party websites.

Termination: We reserve the right to suspend or terminate your profile and account access immediately, without prior notice, if you violate any clauses of these Terms.

7. Liability & Indemnification

Indemnification: You agree to defend, indemnify, and hold harmless MyFinanceSheet and its developers from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of the platform.

Limitation of Liability: Under no circumstances shall MyFinanceSheet be liable for any direct, indirect, special, or consequential damages (including trade losses, capital erosion, database sync lag, or system downtime) arising from your trading activities.

8. Disclaimer And Non-Waiver of Rights & Governing Law

Disclaimer and Non-Waiver of Rights: The Service is provided on an "AS IS" and "AS AVAILABLE" basis. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Governing Law: These Terms shall be governed and construed in accordance with the laws of India, without regard to its conflict of law provisions.

9. Changes & Contact Us

Changes: We reserve the right, at our sole discretion, to modify or replace these Terms at any time by posting the revised version on this page. By continuing to access the Service after those revisions become active, you agree to be bound by the updated terms.

Contact Us: If you have questions about these Terms, please contact us at support@myfinancesheet.com or through our Contact page.