Terms of Service & Disclaimer

1. Acceptance of Terms

By accessing or using miSense FinSense, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the platform.

2. Nature of Service

2.1 What We Provide

• Informational analysis of your financial data
• Hypothetical simulations and stress tests
• Data visualization and reporting tools
• Educational content about financial concepts

2.2 What We Do NOT Provide

3. User Responsibilities

By using miSense FinSense, you acknowledge and agree that:

• You are solely responsible for all financial decisions you make
• You will consult qualified professionals (financial advisors, tax experts, lawyers) before making significant financial decisions
• You understand that simulations are hypothetical and not guarantees
• You will provide accurate information for analysis
• You will not use the platform for illegal purposes
• You are at least 18 years of age

4. Limitations and Disclaimers

4.1 No Guarantees

All simulations, projections, and analyses are based on assumptions and historical data. Actual outcomes may differ significantly from simulated results. Past performance does not indicate future results.

4.2 Data Accuracy

Insights are only as accurate as the data you provide. We are not responsible for errors resulting from incomplete or inaccurate input data.

4.3 Market Volatility

Financial markets are inherently volatile and unpredictable. No simulation can account for all possible scenarios or "black swan" events.

4.4 Platform Availability

We strive for high availability but do not guarantee uninterrupted service. We are not liable for losses due to platform downtime or technical issues.

5. Limitation of Liability

6. Regulatory Compliance

6.1 SEBI Registration

miSense is NOT registered with the Securities and Exchange Board of India (SEBI) as an investment advisor. We do not require SEBI registration because we do not provide investment advice or recommendations.

6.2 Not a Financial Advisor

Nothing on this platform constitutes personalized investment advice. For professional financial advice, consult a SEBI-registered investment advisor (RIA).

6.3 Educational Purpose

All content is for informational and educational purposes only. It should not be construed as a recommendation to buy, sell, or hold any security.

7. Intellectual Property

• All platform content, design, and code are owned by miSense
• You retain ownership of your financial data
• You may not reproduce, redistribute, or reverse engineer the platform
• Generated reports are for your personal use only

8. Payment Terms

• Paid features are clearly marked with pricing
• All payments are processed securely through third-party payment gateways
• Refunds are provided only as specified in our refund policy
• Prices may change with notice to existing users

9. Account Termination

We may suspend or terminate your account if:

• You violate these Terms of Service
• You provide false information
• You engage in fraudulent activity
• Required by law or regulation

You may delete your account at any time from account settings.

10. Indemnification

You agree to indemnify and hold harmless miSense, its owners, employees, and affiliates from any claims, losses, or damages arising from your use of the platform or violation of these terms.

11. Governing Law

These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in [Your City], India.

12. Changes to Terms

We may modify these terms at any time. Material changes will be communicated via email. Continued use after changes constitutes acceptance of the updated terms.

13. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

14. Contact Information

For questions about these terms:

Email: legal@misense.in
Support: support@misense.in