Terms & Conditions

Last Updated: December 2025

1. Introduction Welcome to Derivera ("Company", "we", "our", "us"). By accessing our website, purchasing our courses (including the "Foundation Batch"), or using our services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you must not use our website or services.

2. Educational Services Only (No Financial Advice) 2.1. Not a SEBI Registered Advisor: Derivera and its instructors (including Bipin Jha) are educators, not SEBI Registered Investment Advisors (RIA) or Research Analysts. 2.2. Educational Purpose: All content, live sessions, videos, and materials provided are strictly for educational and informational purposes only. They do not constitute financial, investment, or trading advice. 2.3. Risk Warning: Trading in financial markets, especially Futures & Options (F&O), involves a high degree of risk and potential loss of capital. You are solely responsible for your own trading decisions and financial outcomes. Derivera is not responsible for any trading losses you may incur.

3. Intellectual Property Rights 3.1. Ownership: All course materials, including but not limited to videos, PDF guides, spreadsheets, quizzes, and website content, are the exclusive intellectual property of Derivera. 3.2. Limited License: Upon purchase, you are granted a limited, non-exclusive, non-transferable license to access and view the course content for your personal, non-commercial use. 3.3. Prohibitions: You may not:

• Download, record, or capture any video content.
• Share your login credentials with others.
• Reproduce, redistribute, resell, or publicly display any course materials.
• Violation of this policy will result in immediate account termination without refund and may lead to legal action for copyright infringement.

4. Account Usage and Security 4.1. Single User Policy: Your account is for your personal use only. Sharing your login details with friends, family, or colleagues is strictly prohibited. 4.2. Monitoring: Our system utilizes advanced tracking to detect concurrent logins and suspicious activity. If such activity is detected, your account will be automatically blocked.

5. Payments and Refunds 5.1. Pricing: All prices listed on the website are in Indian Rupees (INR) unless stated otherwise. We reserve the right to change prices at any time. 5.2. Refund Policy: We offer a limited 48-Hour Money-Back Guarantee subject to specific conditions (e.g., watching less than 20% of the content). Please refer to our separate [Refund Policy] page for the full terms and eligibility requirements. 5.3. Cancellations: If you do not meet the criteria set out in the Refund Policy, or if the 48-hour window has passed, all sales are considered final and non-refundable.

6. Limitation of Liability 6.1. To the fullest extent permitted by law, Derivera shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the services;
• Any conduct or content of any third party on the services;
• Your reliance on any information provided during the course.

7. Third-Party Links Our service may contain links to third-party websites or services (e.g., broker platforms, charting tools) that are not owned or controlled by Derivera. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

8. Governing Law and Jurisdiction These Terms shall be governed by and construed in accordance with the laws of India. Any disputes relating to these Terms or your use of the website shall be subject to the exclusive jurisdiction of the courts located in Delhi, India.

9. Changes to Terms We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

10. Contact Us If you have any questions about these Terms, please contact us at:

• Email: [email protected]