TERMS OF SERVICE

Your use of Bimal Institute Services is subject to your acceptance of and compliance with these Terms. To validly accept these Terms, you must have the legal capacity to do so, either on your own behalf or, if applicable, on behalf of a business or other legal entity. Individuals must be at least 18 years of age. In the case of a legal entity, it must be duly incorporated, validly existing, and in good standing under applicable laws, and the individual accepting these Terms must be authorized to bind such entity. By registering or using the Platform, you represent and warrant that:

• (a) You have not been previously suspended or barred from accessing Bimal Institute Services;
• (b) You are not a competitor of Bimal Institute and are not using the Services in a manner that conflicts with or competes with our business;
• (c) All information provided during registration or otherwise is truthful, accurate, complete, and up to date;
• (d) Your use of the Platform and Services does not violate any applicable laws, regulations, or third-party rights; and
• (e) You are not accessing or using the Services from any jurisdiction where such use is prohibited under applicable law.

Bimal Institute reserves the right, at its sole discretion, to refuse or suspend access to the Platform or Services for any person or entity that does not meet these eligibility requirements or is otherwise found to be in breach of these Terms.

2.1. Bimal Institute reserves the right, at its sole discretion, to amend, modify, update, or supplement these Terms, in whole or in part, at any time. Any such modifications will be published on the Platform and, where reasonably practicable, notified to Users in advance. You are advised to review these Terms periodically to stay informed of any changes.

2.2. Amended Terms will become effective upon the earlier of:
(a) your acceptance of the amended Terms, or
(b) your continued access to or use of the Platform following publication of the amended Terms.

2.3. No course of dealing, course of performance, or trade usage shall modify these Terms. Any attempted modification that does not comply with this section shall be void and of no effect. Electronic modifications shall be deemed valid if made through Bimal Institute’s designated electronic amendment process with appropriate authentication.

3.1. Education Services
Bimal Institute provides structured educational programs designed to enhance Users’ understanding of financial markets, with a primary focus on cryptocurrency (Virtual Digital Assets) and forex market concepts, subject at all times to the applicable legal and regulatory framework in India. The Services are intended to facilitate conceptual learning, analytical skill development, and general market awareness. Such educational programs may include, inter alia:

• (a) technical and fundamental analysis (in a conceptual and academic context);
• (b) risk management principles;
• (c) trading psychology and behavioural aspects;
• (d) general market dynamics and analytical frameworks; and
• (e) simulation-based learning, including paper trading and historical case studies.

Educational content is delivered through various formats, including online courses, offline sessions, live webinars, recorded lectures, study materials, and interactive discussions. All Services are provided strictly for educational and informational purposes only. Nothing contained in the Services, Platform, or any communication shall be construed as investment advice; trading recommendations; research reports; financial guidance; or any form of inducement or solicitation to engage in trading or investment activities. The Institute does not guarantee any specific learning outcome, trading performance, or financial result, and any application of the knowledge gained through the Services is undertaken solely at the User’s discretion and risk.

For the avoidance of doubt, the Institute does not facilitate, assist, or enable the purchase, sale, transfer, storage, or exchange of any Virtual Digital Assets or foreign exchange. The Platform shall not be used for onboarding onto exchanges, executing transactions, or facilitating fund transfers of any nature.

3.2. Demonstrations and Market Discussions
The Platform may include live sessions, demonstrations, market walkthroughs, chart analysis, or discussions relating to financial markets for educational purposes. All such sessions are conducted strictly on a demonstrative, observational, and academic basis, with the sole objective of explaining general market concepts, analytical approaches, and hypothetical or historical scenarios. Under no circumstances shall such sessions be construed as providing, and the Institute expressly disclaims providing, any form of investment advice, trading recommendations, or financial guidance. In particular, the Institute and its trainers shall not provide:

• (a) real-time trading instructions or execution guidance;
• (b) buy or sell recommendations, trading calls, or directional views;
• (c) entry or exit levels, stop-loss or target levels, or price-specific indications; or
• (d) any form of actionable, personalized, client-specific, or transaction-oriented advice.

Users expressly acknowledge that any reference to market conditions, price movements, charts, strategies, or examples during such sessions is purely illustrative in nature and may be based on historical data, simulated scenarios, or generalized analysis. Such references are not intended to influence or determine any trading or investment decision and shall not be relied upon for executing trades or making financial decisions.

3.3. Alerts, Notifications, and Communications
Users may receive alerts, notifications, updates, or communications through the Platform for the purpose of enhancing learning and general market awareness. Such communications are informational and educational in nature and do not constitute advice, recommendations, or trading signals. Users acknowledge that such communications may be subject to delays, inaccuracies, interruptions, or technical limitations, including those arising from third-party service providers. The Institute does not warrant the accuracy, completeness, or timeliness of such communications and shall not be liable for any reliance placed upon them or for any consequences arising therefrom.

3.4. Mentorship, Support, and User Interaction
The Institute may provide mentorship sessions, doubt-resolution support, or general interaction with Users as part of its educational offerings. All such interactions are limited strictly to conceptual clarification, academic guidance, and learning support. Under no circumstances shall such interactions include personalized investment advice; portfolio or asset allocation recommendations; trade-specific suggestions; or real-time market decision support.

Users expressly acknowledge that no fiduciary, advisory, or client relationship is created between the User and the Institute, or any of its trainers, representatives, or personnel, by virtue of such interactions or participation in the Services. All trainers, mentors, and representatives of the Institute are contractually restricted from providing any form of investment advice, trading recommendations, or actionable market guidance. Any statements or conduct deviating from this restriction shall be deemed unauthorized, made in personal capacity, and outside the scope of the Institute’s Services.

3.5. Additional Services and Program Modifications
The Institute may, at its sole discretion, introduce, modify, suspend, or discontinue any services, programs, features, or content offered through the Platform. Access to such services may be subject to additional terms, conditions, disclosures, or eligibility requirements, which shall form an integral part of these Terms.

3.6. Regulatory Position and Compliance
The Institute operates strictly as an educational platform and does not undertake any activity requiring registration under the SEBI (Investment Advisers) Regulations, 2013. The Institute does not provide advisory services in relation to securities, forex, or cryptocurrency markets, nor does it facilitate trading, brokerage, execution of transactions, or act as an intermediary between Users and any financial or trading platform.

Users acknowledge and agree that cryptocurrency markets operate in a partially regulated and evolving legal environment in India, and that forex trading is subject to restrictions under the Foreign Exchange Management Act, 1999 (FEMA) and applicable regulatory directions, including limitations relating to non-INR currency pairs and offshore platforms. Users are solely responsible for ensuring that their activities comply with all applicable laws and regulations. The Institute shall not be responsible or liable for any use of the knowledge, content, or materials provided through the Services in violation of such laws, or for any consequences arising from Users’ independent trading or investment decisions.

4.1. Availability of Services
Bimal Institute shall use commercially reasonable efforts to make the Platform and its Services available in accordance with these Terms. This includes providing access to educational programs, demonstrations, alerts, and related features described on the Platform. However, the Platform and Services are provided on an “as is” and “as available” basis, and the Institute does not warrant that access will be uninterrupted, timely, secure, or error-free.

4.2. Protection of User Data
Bimal Institute shall implement reasonable administrative, technical, and physical safeguards designed to protect the security, confidentiality, and integrity of personal information or data submitted by Users (“User Data”), in accordance with applicable laws.

4.3. Data Incidents
In the event Bimal Institute becomes aware of any unauthorized or accidental access, acquisition, or disclosure of User Data (“Data Incident”), the Institute will, where feasible and legally permitted, notify affected Users promptly. Notification may include information regarding the nature of the incident, categories of data affected, potential consequences, and reasonable measures taken or proposed to mitigate the impact.

4.4. Retention of User Data
Bimal Institute shall retain User Data only as necessary to provide the Services or as required by applicable laws and SEBI regulations. Upon termination of a User’s account or subscription, Bimal Institute may securely delete or anonymize User Data.

4.5. Limitation of Responsibility
Users acknowledge that while Bimal Institute employs reasonable measures to maintain the availability and integrity of the Platform and to protect User Data, the Institute shall not be responsible or liable for any interruption, delay, defect, loss, or damage arising from circumstances beyond its reasonable control.

5.1. General Compliance
Users agree that their access to and use of the Bimal Institute Platform and Services shall be governed at all times by these Terms, the Privacy Policy, and all applicable laws and regulations in India. Permission to access and use the Platform is conditional, revocable, non-exclusive, non-transferable, and subject to the User’s continued compliance with these Terms.

Users further agree that they shall use the Services strictly for educational purposes and shall not seek, solicit, or rely upon the Institute for any form of investment advice, trading recommendation, or financial guidance.

5.2. Acceptable Use
Users shall not, directly or indirectly:
(a) use the Platform or Services for any purpose other than as expressly permitted under these Terms;
(b) engage in any unlawful, fraudulent, abusive, harassing, defamatory, obscene, or otherwise objectionable conduct;
(c) violate, or encourage the violation of, any applicable law, regulation, or third-party rights, including intellectual property and privacy rights; or
(d) use the Platform in a manner that is misleading, deceptive, or inconsistent with the educational nature of the Services.

5.3. Security and Integrity
Users shall not:
a) Circumvent, disable, interfere with, or attempt to bypass any security, access control, or technological safeguards of the Platform;
b) Upload, transmit, or introduce viruses, malware, Trojan horses, or other harmful code;
c) Attempt unauthorized access to the Platform, Services, User accounts, data, or systems of Bimal Institute or its partners;
d) Engage in activities that disrupt or interfere with the performance, availability, or integrity of the Platform or Services.

5.4. Content and Conduct
Users shall not:
a) Post, upload, or transmit any content that is false, misleading, offensive, defamatory, discriminatory, or otherwise unlawful;
b) Share or disseminate trading calls, signals, or advisory content through the Platform or any associated communication channels;
c) Distribute spam, unsolicited communications, promotional content, or other disruptive messages not authorized by the Institute;
d) Infringe or violate intellectual property or proprietary rights of Bimal Institute or any third party; or
e) Impersonate any individual or entity, or misrepresent their affiliation with any individual or entity.

5.5. Absolute Prohibition
Users shall not request, solicit, or attempt to obtain any form of trading advice, signals, recommendations, or actionable guidance from the Institute, its trainers, or through any communication channel. Any such conduct may result in immediate suspension.

5.6. Account Usage
Users shall:
(a) provide accurate, current, and complete information during registration and maintain such information;
(b) not create accounts using false identities, automated means, or for deceptive purposes;
(c) maintain the confidentiality of login credentials and not share, transfer, or sell access to their account;
(d) be solely responsible for all activities conducted through their account; and
(e) promptly notify the Institute of any unauthorized access or suspected security breach.

5.7. Technical Restrictions
Users shall not:
a) Copy, reproduce, modify, adapt, reverse engineer, decompile, or attempt to derive the source code of any part of the Platform;
b) Remove, alter, or obscure any copyright, trademark, or proprietary notices;
c) Use automated tools, bots, scrapers, or similar devices to access or extract data from the Platform;
d) Reformat, frame, mirror, or replicate any portion of the Platform.

5.8. Compliance with Financial Regulations
Users acknowledge that cryptocurrency and forex markets are subject to legal and regulatory restrictions in India. Users agree that they shall not:
(a) engage in or facilitate trading on unauthorized or offshore forex platforms;
(b) participate in activities involving non-INR currency pairs in violation of applicable laws;
(c) use the Platform to facilitate or promote crypto transactions, exchange onboarding, or fund transfers; or
(d) undertake any activity that may be construed as regulated financial activity through the Platform.

5.9. Liability for Breach
Users acknowledge and agree that they shall be solely responsible for any breach of these Terms, account usage defaults, and all losses, damages, or costs incurred by the Institute arising out of such breach.

5.10. Enforcement Rights
Bimal Institute reserves the right to suspend or terminate accounts, remove contents, investigate compliance concerns, cooperate with state authorities, and seek all legal remedies.

6.1. Establishing an Account
(a) Access to certain features or Services may require a registered user account (“Account”). To create an Account, you must complete the prescribed registration process, provide accurate and complete information, meet the eligibility requirements under Clause 1, and agree to these Terms.
(b) Each User may maintain only one Account. Where access is granted on behalf of an organization, such organization shall designate authorized Users, and shall remain responsible for all acts and omissions of such Users.
(c) Bimal Institute shall be entitled to treat all actions performed through an Account as authorized.

6.2. Account Security
You are solely responsible for safeguarding your Account credentials and for all activities carried out under your Account. You shall promptly notify Bimal Institute of any unauthorized access or security breach. The Institute shall not be liable for any loss or damage arising from your failure to maintain the security of your Account.

6.3. Information from Unregistered Users
(a) The Platform may permit limited access without full registration (“Unregistered Users”), in which case certain information may be collected.
(b) Users shall ensure that all information provided is accurate and complete.

6.4. Suspension and Termination
Bimal Institute may, at its sole discretion and without prior notice, suspend or terminate any Account or access to the Platform where these Terms are breached, where security risks exist, or where required by law.

7.1. Grant of License
Subject to your compliance with these Terms, payment of applicable fees, and continued adherence to Bimal Institute’s policies, the Institute grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Platform and Services strictly for your personal, non-commercial, and educational use.

7.2. Scope and Restrictions
Your use of the Platform and Services is subject to the following limitations:
(a) Access Restrictions: Access is permitted only through Bimal Institute’s authorized website and applications.
(b) No Redistribution or Sharing: You shall not copy, reproduce, distribute, transmit, or share any materials obtained from the Platform to any third party.
(c) No Commercial Use: You shall not sublicense, sell, rent, or lease the Platform or Services.
(d) No Unauthorized Storage: You shall not download, store, host, or replicate any portion of the Platform.
(e) No Derivative Use: You shall not modify, adapt, translate, reverse engineer, or create derivative works.
(f) No Misrepresentation: You shall not present or use any content in a manner that misrepresents it as advisory.

7.3. Reservation of Rights
All rights, title, and interest in and to the Platform and Services are and shall remain the exclusive property of Bimal Institute and/or its licensors.

7.4. Termination of License
Bimal Institute may suspend, restrict, or terminate your license at any time, with or without notice, in the event of a breach of these Terms, non-payment, or unauthorized sharing.

8.1. Intended Purpose
The Platform and Services are intended solely for personal, non-commercial, and educational use. Users shall access and use the Platform strictly in accordance with these Terms.

8.2. Restrictions on Use
Without limiting the generality of Clause 5, Users shall not exploit any content, distribute trading calls, disrupt servers, use data crawlers/scrapers, or interfere with security safeguards.

8.3. Enforcement Rights
Bimal Institute reserves the right to monitor the Platform and take appropriate remedial actions to maintain security and operational integrity.

9.1. Ownership of the Platform and Content
All rights, title, and interest in and to the Platform and its content, including but not limited to the website, applications, software, educational materials, test modules, design, layout, graphics, and video content (collectively, “Bimal Institute Materials”), are the exclusive property of Bimal Institute, its affiliates, or its licensors.

9.2. Trademarks and Branding
“Bimal Institute” and all related names, logos, product names, service names, and domain names are trademarks of Bimal Institute. You shall not use or display them without prior written authorization.

9.3. User-Generated Content
(a) You retain ownership of all content you submit or comment on through the Platform (“User Content”).
(b) By submitting User Content, you grant Bimal Institute a worldwide, perpetual, irrevocable, royalty-free, non-exclusive, and sublicensable license to use, host, store, adapt, publish, and distribute such User Content for educational and analytical improvement purposes.

9.4. Restrictions on Use
You shall not copy, modify, translate, reverse engineer, remove copyright notices, or bypass digital rights management/access control protocols on Bimal Institute Materials.

9.5. Third-Party Intellectual Property
The Platform may integrate libraries, APIs, or datasets owned by third parties. Use of such elements is subject to the respective third-party license terms.

10.1. Collection and Use of Data
Bimal Institute processes data in accordance with its Privacy Policy and applicable laws, including the Digital Personal Data Protection Act, 2023.

10.2. Consent and Acknowledgement
(a) Users acknowledge that Bimal Institute may process demographic details, transaction history, academic results, and locations to deliver services, track performance, and improve the platform.
(b) By using the Platform, Users consent to receiving mandatory administrative and promotional communications.

10.3. Data Sharing with Third Parties
We may share User data with faculty, partners, and payment processors strictly to provide and improve the Services. The Institute is not responsible for the privacy actions of third parties once data is lawfully shared.

10.4. User Responsibilities
Users shall provide accurate personal details and assume full liability for false or misleading data.

10.5. Security of Data
We employ reasonable technical and organizational safeguards. However, Users acknowledge that no internet storage is completely secure, and the Institute disclaims liability for events beyond its control.

10.6. Retention and Deletion
Data is retained only as long as necessary or legally required, after which it is deleted or anonymized.

10.7. Legal Disclosures
Bimal Institute may disclose User data without notice under court orders, regulatory queries, or to protect corporate rights.

10.8. Third-Party Disclaimer
Data shared with independent trainers, payment gateways, or vendors is governed by their respective processing policies.

11.1. Third-Party Content is provided for information purposes only. The Institute does not endorse or warrant the accuracy, completeness, or reliability of any third-party materials.

11.2. Links to external websites do not imply recommendation. Accessing third-party platforms is entirely at the User's own risk.

11.3. Any transactions, event participations, or interactions between a User and a third party are strictly bilateral and the Institute is not liable for associated claims.

11.4. Third-party services are subject to their own separate terms and conditions.

12.1. Service “As-Is”
The Platform and Services are provided on an “as-is” and “as-available” basis, without warranties of any kind, whether express or implied.

12.2. Educational Nature and No Reliance
The Platform and Services are strictly educational. The Institute does not provide trading suggestions, signals, or real-time trading calls, and does not guarantee the exactness of market references.

12.3. Third-Party Content and Services
The Institute does not guarantee the availability, continuity, or correctness of Third-Party Services.

12.4. No Warranty as to Outcomes
The Institute does not guarantee specific learning outcomes, trading profits, or financial milestones.

12.5. Exclusion of Damages
To the fullest extent permitted by law, Bimal Institute shall not be liable for indirect, incidental, special, punitive, consequential damages, loss of profits, system failures, or data corruption.

12.6. Cap on Liability
To the maximum extent permitted under applicable law, Bimal Institute’s total aggregate liability shall not exceed the total amount paid by the User to the Institute in the three (3) months immediately preceding the event giving rise to the claim.

12.7. Jurisdictional Limitations
Where applicable law does not permit certain exclusions, such limitations shall apply to the maximum extent permitted by local regulation.

13.1. User Indemnification
The User agrees to indemnify and hold harmless Bimal Institute, its affiliates, trainers, and directors from all claims, damages, liabilities, and legal fees arising out of the User's access to the Platform, breach of these Terms, content uploads, or independent trading decisions.

13.2. Notice & Defence
Bimal Institute shall provide notice of any claim. The User shall handle the defense with the Institute's counsel participation option, and shall not settle without written permission.

13.3. Survival
The indemnity obligations under this clause shall survive termination of these Terms.

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

15.1. No waiver shall be effective unless made in writing and signed by Bimal Institute. A waiver of any breach shall not constitute a continuing waiver of subsequent defaults.

15.2. Failure to exercise any right or delay in enforcement under these Terms does not constitute a waiver of such right.

16.1. The original language of these Terms is English. Any translation provided is for convenience only, and the English version shall prevail in all respects.

16.2. Users are advised to seek translation assistance prior to accepting these Terms if they do not understand English.

17.1. Bimal Institute prohibits intellectual property infringement. Accounts violating IP parameters will be terminated.

17.2. If you believe content on the Platform infringes your copyright, notifications should be sent to:
Name: Manish Bimal
Mailing Address: Plot No. 17 Near Hotel Silvotel PU4 Vijaynagar, Indore 452010
Phone Number: +91-8889422237 | +91-8889422299
Email address: BimalInstitute@gmail.com

17.3. Notifications should include physical/electronic signatures, description of the work, description of the location, contact info, and a statement under penalty of perjury.

17.4. The Institute reserves the right to remove alleged infringing material pending dispute resolution.

In the event of any conflict between these Terms and any other written agreement between the parties, the terms of the other agreement shall prevail only to the extent of such conflict.

19.1. Governing Law
These Terms, and any dispute arising out of or in connection with them, shall be governed by the laws of India, including the Companies Act, 2013.

19.2. Jurisdiction
Subject to Clause 19.3, the courts at Indore, Madhya Pradesh, shall have exclusive jurisdiction over all disputes arising out of these Terms.

19.3. Arbitration
(a) Disputes shall be referred to and resolved by arbitration under the Arbitration and Conciliation Act, 1996.
(b) The arbitration shall be conducted by a sole arbitrator mutually appointed. If the parties cannot agree within 30 days, the arbitrator shall be appointed in accordance with the Act.
(c) The seat and venue of arbitration shall be Indore, India. The language shall be English.
(d) The arbitral award shall be final, binding, and enforceable.

19.4. Interim Relief
Nothing in this Clause shall prevent Bimal Institute from seeking interim or injunctive relief from any court of competent jurisdiction.

19.5. Waiver of Objections
By using the Platform, you submit to the exclusive jurisdiction of the courts specified above and waive any objection on grounds of improper venue.

20.1. Force Majeure Events
Bimal Institute shall not be liable for any failure, delay, or disruption caused by events beyond its reasonable control, including natural disasters, pandemics, government orders, industrial actions, third-party failures, or internet disruptions.

20.2. Planned Downtime
Planned maintenance will be scheduled during off-peak hours and notified at least 24 hours in advance only to the extent commercially possible.

20.3. Internet, Network, and Third-Party Reliance
Users acknowledge that access may be subject to third-party delays, and Bimal Institute is not liable for such issues.

20.4. Mitigation Efforts
Bimal Institute will make reasonable efforts to mitigate impacts and restore services as quickly as practicable.

These Terms, together with the Privacy Policy and any other policies or guidelines referenced herein, constitute the entire agreement between the User and Bimal Institute with respect to the subject matter hereof.

22.1. The Institute has established a grievance redressal mechanism for addressing complaints, concerns, or disputes raised by Users in relation to the Platform, Services, or any matters arising under these Terms.

22.2. Any grievance or complaint may be submitted by the User in accordance with the Institute’s Grievance Redressal Policy, as may be updated from time to time and made available on the Platform.

22.3. The Institute shall endeavour to acknowledge and resolve such grievances within such timelines as may be prescribed under applicable law, including the Information Technology Act, 2000 and rules made thereunder.

22.4. In accordance with applicable law, the Institute has designated a Grievance Officer, whose details are set out below:
Name: Manish Bimal
Mailing Address: Plot No. 17 Near Hotel Silvotel PU4 Vijaynagar, Indore 452010
Phone Number: +91-8889422237 | +91-8889422299
Email address: BimalInstitute@gmail.com

22.5. Users are required to first utilise the grievance redressal mechanism provided by the Institute prior to initiating any external dispute resolution proceedings, to the extent permitted under applicable law.

These Terms constitute an electronic record in accordance with applicable law, including the Information Technology Act, 2000. By accessing or using the Platform, the User provides valid electronic consent and acceptance of these Terms, which shall be legally binding and enforceable.

For any queries, concerns, or communications relating to these Terms, Users may contact Bimal Institute at:
Email: BimalInstitute@gmail.com
Address: Plot No. 17 Near Hotel Silvotel PU4 Vijaynagar, Indore 452010

BY ACCESSING OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS.