For Oorjita Financial Services LLP, operating www.oorjita.ai. Please read section 4 (financial disclaimers) and section 5 (privacy) carefully.
These Terms and Conditions ("Terms") constitute a legally binding agreement between you (whether personally or on behalf of an entity, "you", "User" or "your") and Oorjita Financial Services LLP ("Company", "we", "us" or "our"), a Limited Liability Partnership registered in India, concerning your access to and use of www.oorjita.ai and all related services, media channels, mobile applications or platforms connected to it (together, the "Site" or "Website").
Registered address: Oorjita Financial Services LLP, Room 202, 2nd Floor, No. 164, 11th Cross, Paduka Mandira Road, BHCS Layout 4th Stage, Uttarahalli Hobli, Bengaluru 560061, Karnataka, India.
By accessing, browsing or using this Website, you acknowledge that you have read, understood and agree to be bound by these Terms and our Privacy Policy. If you do not agree with all of these Terms, you are expressly prohibited from using the Site and must discontinue use immediately.
Oorjita Financial Services LLP provides:
Critical disclaimer: the Content and Services on this Website are for informational and educational purposes only and do not constitute financial advice, investment advice, investment recommendations or a solicitation to buy, sell or hold any securities, financial products or instruments. We are not a SEBI-registered Investment Adviser, and our content is not tailored to your specific investment objectives, financial situation or individual needs.
This is one of the most important sections. Please read it carefully.
5.1 Paramount commitment to privacy. We are absolutely committed to protecting your personal information and privacy. We will never share, sell, rent, lease or transfer your personal information, customer data or any identifying information to any third party for their marketing or commercial purposes without your explicit written authorisation. This includes:
5.2 Authorised use of data. We only use your Personal Information to:
5.3 Exceptions to non-disclosure. Your Personal Information may only be disclosed in these strictly limited circumstances:
5.4 Data security measures. We implement industry-standard security measures, including:
5.5 Your data rights. Under applicable Indian data protection law you have the right to access, correct and delete your Personal Information (subject to legal retention requirements), to withdraw consent, to data portability in a structured, commonly used format, and to grievance redressal. To exercise these rights, contact us using the details in section 21.
5.6 Data retention. We keep Personal Information only as long as necessary for the purposes in our Privacy Policy and these Terms, or as required by law. On account deletion or subscription termination we delete or anonymise your data within 90 days, except where retention is legally mandated.
5.7 Breach notification. In the event of a personal data breach, we will notify the Data Protection Board and each affected Data Principal in accordance with the Digital Personal Data Protection Act, 2023.
6.1 Eligibility. You must be at least 18 years old and legally able to enter into binding contracts under Indian law. By using the Website you represent and warrant that you meet these requirements.
6.2 Account registration. When registering you agree to:
6.3 Account termination. We may suspend or terminate your account at our sole discretion, without prior notice, if:
7.1 Ownership. Unless otherwise indicated, the Site is our proprietary property. All Content and Marks are owned or controlled by us or licensed to us, and are protected by copyright, trademark and other intellectual property and unfair competition laws of India, foreign jurisdictions and international conventions. The Content and Marks are provided “as is” for your information and personal use only. Except as expressly provided in these Terms, no part of the Site, Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed or otherwise exploited for any commercial purpose without our express prior written permission.
7.2 Limited licence. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website for personal, non-commercial purposes, and to view and download Content solely for your personal reference.
7.3 Prohibited uses of Content. You may not:
7.4 Trademarks. "Oorjita", "Oorjita FinAI", "Oorjita Financial Services" and associated logos are trademarks of Oorjita Financial Services LLP. Unauthorised use is strictly prohibited.
8.1 User representations. By using the Site you represent and warrant that you are of legal age to form a binding contract; that all registration information you submit is true, accurate, current and complete; that you will not use the Site for any illegal or unauthorised purpose; and that your use of the Site will not violate any law or regulation in your jurisdiction.
8.2 Prohibited activities. You agree not to:
9.1 Subscription services. Certain premium Services require a paid subscription. By subscribing you agree to pay all applicable fees as described at the time of purchase, to provide accurate payment information, and to authorise recurring charges for renewals where applicable.
9.2 Fees and billing.
9.3 Automatic renewal. Plans with automatic renewal continue until cancelled. You may cancel at any time from your account settings or by contacting us; cancellation takes effect at the end of the current billing period.
9.4 Refund policy. Refunds, if applicable, are processed in accordance with our separate refund policy and applicable consumer protection law.
The Website and all Services, Content and materials are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose and non-infringement; warranties regarding the accuracy, reliability or completeness of Content; warranties that the Website will be uninterrupted, secure or error-free; and warranties regarding results from using the Services.
Investment disclaimer: past performance is not indicative of future results. Stock market investments carry inherent risks, including loss of principal. The Company does not guarantee any investment returns or outcomes based on information provided through the Website.
To the maximum extent permitted by Indian law, Oorjita Financial Services LLP, its directors, officers, employees, agents, partners and affiliates shall not be liable for any indirect, incidental, special, consequential or punitive damages, including:
Your sole and exclusive remedy for any dispute with us is to discontinue your use of the Site. In no event shall our total aggregate liability exceed the amount you paid to the Company in the 12 months preceding the event giving rise to liability, or INR 10,000, whichever is lower. These limitations apply regardless of legal theory (contract, tort, negligence, strict liability or otherwise), even if we have been advised of the possibility of such damages.
You agree to defend, indemnify and hold harmless Oorjita Financial Services LLP, its subsidiaries, affiliates, officers, directors, agents, partners and employees from any loss, damage, liability, claim, demand, costs, expenses or fees (including reasonable legal fees) made by any third party arising out of:
The Website may contain links to third-party websites, services or resources not owned or controlled by Oorjita Financial Services LLP. We do not endorse or assume responsibility for third-party content, are not liable for any damages arising from your use of third-party websites, and do not control their privacy practices. You access third-party links at your own risk and should review their terms and privacy policies.
14.1 Information Technology Act, 2000. These Terms and our data practices comply with the Information Technology Act, 2000; the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021; and the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.
14.2 Digital Personal Data Protection Act, 2023. We comply with the Act, including obtaining valid consent before processing personal data, giving clear privacy notices, implementing security safeguards, responding to data principal requests within a reasonable time, notifying the Data Protection Board of breaches, and maintaining a grievance redressal mechanism.
14.3 SEBI regulations. While Oorjita Financial Services LLP provides market insights and analysis, we are not a SEBI-registered investment adviser. Our Services do not constitute investment advisory services requiring SEBI registration, portfolio management services, buy/sell recommendations for specific securities, or personalised financial planning. Users seeking regulated investment advice should consult SEBI-registered professionals.
14.4 User compliance. You are responsible for ensuring your use of the Website complies with all applicable laws in your jurisdiction.
In accordance with the Information Technology Act, 2000, the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and the Digital Personal Data Protection Act, 2023, we have established a grievance redressal mechanism.
The Grievance Officer will acknowledge complaints within 24 hours and resolve them within 15 days of receipt.
16.1 Term. These Terms remain in full force and effect while you use the Site.
16.2 Termination by you. You may terminate your account at any time by contacting us or using your account settings. Termination does not relieve you of obligations incurred before termination.
16.3 Termination by us. Without limiting any other provision of these Terms, we reserve the right, in our sole discretion and without notice or liability, to deny access to and use of the Site (including blocking certain IP addresses) to any person for any reason. We may suspend or terminate your access immediately if you breach these Terms, if we are required to by law, or if continued provision of the Services becomes commercially unreasonable.
16.4 Effect of termination. On termination your right to access the Website ends immediately; provisions on intellectual property, disclaimers, limitation of liability and indemnification survive; and no refunds are provided for prepaid fees except as required by law.
17.1 Governing law. These Terms are governed by the laws of India, without regard to conflict-of-law principles.
17.2 Jurisdiction. Any dispute arising from these Terms or your use of the Website is subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka, India.
17.3 Dispute resolution. Before initiating legal proceedings, the parties agree to attempt good-faith resolution:
18.1 Right to modify. We may modify these Terms at any time. Changes take effect immediately when the revised Terms are posted on the Website with an updated effective date.
18.2 Notification. For material changes we will give reasonable notice by email to registered users, a prominent notice on the Website homepage, and in-app notifications where applicable.
18.3 Continued use. Your continued use of the Website after changes constitutes acceptance of the modified Terms. If you do not agree, you must stop using the Website.
19.1 Severability. If any provision of these Terms is found invalid, illegal or unenforceable by a court of competent jurisdiction, it will be modified to the minimum extent necessary to make it enforceable; if that is not possible it will be severed, and the remaining provisions remain in full force and effect.
19.2 Waiver. Our failure to exercise or enforce any right or provision does not waive it. Any waiver must be in writing and signed by an authorised representative of the Company.
These Terms, together with our Privacy Policy and any additional terms applicable to specific Services, are the entire agreement between you and Oorjita Financial Services LLP regarding the Website and supersede all prior agreements, understandings and communications.
For questions, concerns or notices regarding these Terms, contact Oorjita Financial Services LLP, Room 202, 2nd Floor, No. 164, 11th Cross, Paduka Mandira Road, BHCS Layout 4th Stage, Uttarahalli Hobli, Bengaluru 560061, Karnataka, India.
By using this Website, you acknowledge that:
We are not liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, network infrastructure failures, strikes, or shortages of transportation, facilities, fuel, energy, labour or materials.
You agree to comply with all applicable export and import control laws and regulations in your use of the Website and Services.
You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms without restriction.
These Terms are drafted in English. If they are translated, the English version prevails in case of any conflict or ambiguity.
Nothing in these Terms affects your statutory rights under the Consumer Protection Act, 2019 or other applicable consumer protection legislation.
