For Oorjita Financial Services LLP
Website: www.oorjita.ai
Effective Date: October 23, 2025
1. AGREEMENT TO TERMSThese Terms and Conditions ("Terms") constitute a legally binding agreement between you (whether personally or on behalf of an entity, referred to as "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 the website www.oorjita.ai and all related services, media channels, mobile applications, or platforms connected thereto (collectively, 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, Bangalore 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 AND CONDITIONS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.
2. DEFINITIONS :
For purposes of these Terms:
"Services" refers to market insights, financial analysis, educational content, research reports, newsletters, technology solutions, data analysis tools, and economic commentary provided through the Website.
"Content" means all text, graphics, images, data, information, software, audio, video, databases, functionality, website designs, AI-generated outputs, and other materials available on or through the Website.
"Marks" refers to trademarks, service marks, logos, and brand identifiers owned or licensed by the Company.
"Subscriber" refers to users who have registered for paid or free services offered by the Company.
"Personal Information" means any information that identifies or can be used to identify, contact, or locate a person, as defined under the Information Technology Act, 2000, and the Digital Personal Data Protection Act, 2023.
3. SERVICES PROVIDED :
Oorjita Financial Services LLP provides:
Market insights and analysis related to the Indian stock market
Financial research reports and newsletters.
Educational content on investment strategies and data analysis.
Technology-driven financial analysis tools and AI-generated outputs.
Economic and sector-specific commentary.
Tech and economics insights.
CRITICAL DISCLAIMER: The Content and Services provided on this Website are for informational and educational purposes only and do not constitute financial advice, investment advice, investment recommendations, or solicitation to buy, sell, or hold any securities, financial products, or instruments. We are not a SEBI-registered Investment Advisor, and our content is not tailored to your specific investment objectives, financial situation, or individual needs.
4. FINANCIAL DISCLAIMERS
THIS IS ONE OF THE MOST IMPORTANT SECTIONS. PLEASE READ CAREFULLY.
No Financial Advice: The Content does not constitute personalized financial or investment advice. Users must consult SEBI-registered professionals for regulated investment advisory services.
No Guarantee of Accuracy: While we strive to provide accurate and timely information, we make no representation or warranty, express or implied, regarding the accuracy, completeness, reliability, or timeliness of any Content. Financial markets are dynamic, and data may become outdated.
User's Sole Responsibility: You are solely responsible for evaluating the merits and risks associated with any information on the Site before making decisions. You agree not to hold Oorjita Financial Services LLP or any third-party providers liable for any claim arising from decisions based on Site information.
Past Performance: Any references to past performance or historical returns are not indicative of future results. Stock market investments carry inherent risks including loss of principal.
Investment Risks: All investments involve risks. Users should conduct independent due diligence and risk assessment before making any financial decisions.
5. DATA PROTECTION AND PRIVACY – SPECIAL PROVISIONS
5.1 Paramount Commitment to Privacy
OORJITA FINANCIAL SERVICES LLP IS ABSOLUTELY COMMITTED TO PROTECTING YOUR PERSONAL INFORMATION AND PRIVACY.
We explicitly declare and guarantee that:
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 AUTHORIZATION.
This commitment includes, but is not limited to:
Your name, email address, phone number, and contact details.
Your financial information and investment preferences.
Your browsing history and usage patterns on our Website.
Your subscription details and payment information.
Any communications between you and the Company.
Any data collected through cookies, analytics, or tracking technologies.
5.2 Authorized Use of Data :
We will only use your Personal Information for:
Delivering our Services to you (newsletters, subscriptions, market insights)
Managing your account and subscription
Improving the Website's functionality and user experience
Responding to your inquiries and providing customer support
Complying with legal obligations
5.3 Exceptions to Non-Disclosure :
Your Personal Information may only be disclosed in the following strictly limited circumstances:
a) With Your Explicit Consent: Where you have provided clear, informed, and documented authorization for specific disclosure.
b) Legal Obligations: Where disclosure is required by law, valid court order, subpoena, or other legal process from competent law enforcement or government authorities.
c) Service Providers: To trusted third-party service providers (such as payment processors, email service providers, or hosting services) who are contractually bound to maintain confidentiality and use your information solely for providing services on our behalf. We share only the minimum information necessary.
d) Protection of Rights: To protect the rights, property, or safety of the Company, our users, or the public, where legally permitted.
e) Business Transfers: In the event of a merger, acquisition, or sale of assets, subject to the acquirer agreeing to protect your data under terms at least as protective as these Terms.
5.4 Data Security Measures :
We implement industry-standard security measures including:
Secure Socket Layer (SSL) encryption for data transmission.
Restricted access to Personal Information on a need-to-know basis.
Regular security audits and vulnerability assessments.
Secure storage practices and backup procedures.
Multi-factor authentication (MFA) for sensitive access.
Data encryption and tokenization for sensitive data.
Compliance with Information Technology Act, 2000, and Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.
Compliance framework aligned with Digital Personal Data Protection Act, 2023
5.5 Your Data Rights
Under applicable Indian data protection laws, you have the following rights:
Right to Access: Request copies of your Personal Information.
Right to Correction: Request correction of inaccurate or incomplete data.
Right to Deletion: Request deletion of your Personal Information (subject to legal retention requirements).
Right to Withdraw Consent: Withdraw any consent previously provided.
Right to Data Portability: Receive your data in a structured, commonly used format.
Right to Grievance Redressal: Lodge complaints regarding data processing.
To exercise these rights, contact us at the details provided in Section 20.
5.6 Data Retention :
We retain your Personal Information only for as long as necessary to fulfill the purposes outlined in our Privacy Policy and these Terms, or as required by applicable law. Upon account deletion or subscription termination, we will delete or anonymize 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. USER ELIGIBILITY AND ACCOUNTS
6.1 EligibilityYou must be at least 18 years of age and possess the legal capacity to enter into binding contracts under Indian law to use this Website. By using the Website, you represent and warrant that you meet these eligibility requirements.
6.2 Account Registration :
Certain Services may require account creation. When registering, you agree to:
Provide accurate, current, and complete information
Maintain and promptly update your account information
Maintain the security and confidentiality of your login credentials
Notify us immediately of any unauthorized access to your account
Accept responsibility for all activities that occur under your account
6.3 Account Termination :
We reserve the right to suspend or terminate your account at our sole discretion, without prior notice, if:
You violate these Terms
You engage in fraudulent or illegal activities
You provide false or misleading information
Your account remains inactive for an extended period
Continued provision of Services becomes commercially unreasonable
7. INTELLECTUAL PROPERTY RIGHTS
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. They are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of India, foreign jurisdictions, and international conventions.
The Content and Marks are provided on the Site "AS IS" for your information and personal use only. Except as expressly provided in these Terms, no part of the Site and no 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 whatsoever, without our express prior written permission.
7.2 Limited License
We grant you a limited, non-exclusive, non-transferable, revocable license to:
Access and use the Website for personal, non-commercial purposes
View and download Content solely for your personal reference
7.3 Prohibited Uses of Content
You may NOT:
Reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any Content without our prior written consent.
Use automated systems (bots, scrapers, crawlers) to access, extract, or copy Content.
Remove or modify any copyright, trademark, or proprietary notices.
Frame or mirror any portion of the Website.
Systematically retrieve data to create compilations, databases, or directories without written permission
7.4 Trademarks
"Oorjita," "Oorjita FinAI," "Oorjita Financial Services," and associated logos are trademarks of Oorjita Financial Services LLP. Unauthorized use is strictly prohibited.
8. USER REPRESENTATIONS AND CONDUCT
8.1 User Representations
By using the Site, you represent and warrant that :
You are of legal age to form a binding contract
All registration information you submit will be true, accurate, current, and complete.
You will not use the Site for any illegal or unauthorized purpose.
Your use of the Site will not violate any applicable law or regulation in your jurisdiction.
8.2 Prohibited Activities :
You may not access or use the Site for any purpose other than that for which we make it available. You agree NOT to :
Violate any applicable laws, regulations, or these Terms.
Infringe upon intellectual property rights of the Company or third parties.
Transmit viruses, malware, or harmful codeAttempt to gain unauthorized access to our systems or networks.
Interfere with or disrupt the Website's functionality.
Impersonate any person or entity or misrepresent your affiliation.
Harass, abuse, or harm other users.
Use the Site for illegal activities, fraud, or money laundering
Redistribute, resell, or commercialize our Services or Content.
Reverse engineer or attempt to extract source code from the Website.
Systematically retrieve data or other content from the Site to create compilations without written permission.
Trick, defraud, or mislead us and other users.
Circumvent, disable, or otherwise interfere with security-related features.
Use the Site to advertise or offer to sell goods and servicesUse any information obtained from the Site to harass, abuse, or harm another person.
Use our Services as part of any effort to compete with us.
9. SUBSCRIPTION AND PAYMENT TERMS
9.1 Subscription Services
Certain premium Services require paid subscriptions. By subscribing, you agree to :
Pay all applicable fees as described at the time of purchase.
Provide accurate payment information.
Authorize recurring charges for subscription renewals (where applicable).
9.2 Fees and Billing :
All fees are stated in Indian Rupees (INR) unless otherwise specified.
Fees are non-refundable except as required by law or as expressly stated in our refund policy.
We reserve the right to modify fees with 30 days' prior notice to Subscribers.
Failure to pay fees may result in suspension or termination of Services.
9.3 Automatic Renewal :
Subscription plans with automatic renewal will continue until cancelled. You may cancel at any time through your account settings or by contacting us. Cancellation will take effect at the end of the current billing period.
9.4 Refund Policy :
Refunds, if applicable, will be processed in accordance with our separate refund policy and applicable consumer protection laws.
10. DISCLAIMER OF WARRANTIES
THE WEBSITE AND ALL SERVICES, CONTENT, AND MATERIALS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:
Warranties of merchantability, fitness for a particular purpose, and non-infringement.
Warranties regarding accuracy, reliability, or completeness of Content.
Warranties that the Website will be uninterrupted, secure, or error-free.
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.
11. LIMITATION OF LIABILITY
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 but not limited to :
Loss of profits, revenue, or business opportunities.
Loss of data or information.
Investment losses or financial damages.
Business interruption.
Personal injury or property damage.
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 paid by you to the Company in the 12 months preceding the event giving rise to liability, or INR 10,000 (Ten Thousand Indian Rupees), whichever is lower.
These limitations apply regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.
12. INDEMNIFICATION :
You agree to defend, indemnify, and hold harmless Oorjita Financial Services LLP, its subsidiaries, affiliates, officers, directors, agents, partners, and employees from and against any loss, damage, liability, claim, demand, costs, expenses, or fees (including reasonable attorneys' fees) made by any third party due to or arising out of :
Your use of the Site or Services.
Your breach of these Terms and Conditions.
Any breach of your representations and warranties set forth in these Terms.
Your violation of any law or third-party rights.
Any Content you submit or transmit through the Website.
Your investment decisions based on information from the Website.
13. THIRD-PARTY LINKS AND CONTENT :
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.
Do not control the privacy practices of third parties.
You access third-party links at your own risk and should review their terms and privacy policies.
14. COMPLIANCE WITH INDIAN LAW
14.1 Information Technology Act, 2000
These Terms and our data practices comply with :
Information Technology Act, 2000.
Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.
Information Technology (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 Digital Personal Data Protection Act, 2023, including requirements for :
Obtaining valid consent before processing personal data
Providing clear privacy notices
Implementing security safeguards
Responding to data principal requests within reasonable time
Notifying the Data Protection Board of breaches
Establishing grievance redressal mechanisms
14.3 SEBI Regulations
While Oorjita Financial Services LLP provides market insights and analysis, we are NOT a SEBI-registered investment advisor. Our Services do not constitute :
Investment advisory services requiring SEBI registration
Portfolio management services
Buy/sell recommendations for specific securities
Personalized 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.
15. GRIEVANCE REDRESSAL :
In accordance with the Information Technology Act, 2000, Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Digital Personal Data Protection Act, 2023, we have established a grievance redressal mechanism :
Grievance Officer / Data Protection Officer:
Murali Kalyanaraman
Oorjita Financial Services LLP
Email: services@oorjita.ai
Phone: 9353173147
Address: Room 202, 2nd Floor, No.164, 11th Cross, Paduka Mandira Road, BHCS Layout 4th Stage, Uttarahalli Hobli, Bangalore 560061.
The Grievance Officer shall acknowledge complaints within 24 hours and resolve them within 15 days of receipt.
16. TERM AND TERMINATION
16.1 Term
These Terms shall 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 account settings. Termination does not relieve you of obligations incurred prior to termination.
16.3 Termination by Us
WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES) TO ANY PERSON FOR ANY REASON OR FOR NO REASON.
We may suspend or terminate your access immediately if:
You breach these Terms.
We are required to do so by law.
Continued provision of Services becomes commercially unreasonable.
16.4 Effect of Termination :
Upon termination :
Your right to access the Website ceases immediately.
Provisions regarding intellectual property, disclaimers, liability limitations, and indemnification survive termination.
No refunds will be provided for prepaid fees (except as required by law).
17. GOVERNING LAW AND DISPUTE RESOLUTION
17.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.
17.2 Jurisdiction
Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka, India.
17.3 Dispute Resolution
Before initiating legal proceedings, parties agree to attempt good-faith resolution through :
Informal Negotiation: Contact our Grievance Officer to resolve disputes amicably.
Mediation: If negotiation fails, parties may pursue mediation under the Mediation and Conciliation Project Committee, Bangalore.
Arbitration: Unresolved disputes may be referred to arbitration under the Arbitration and Conciliation Act, 1996, with a sole arbitrator appointed by mutual consent, seated in Bangalore
18. MODIFICATIONS TO TERMS
18.1 Right to Modify
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting the revised Terms on the Website with an updated "Effective Date".
18.2 Notification
For material changes, we will provide reasonable notice through :
Email notification to registered users.
Prominent notice on the Website homepage.
In-app notifications (where applicable).
18.3 Continued UseYour continued use of the Website after changes constitutes acceptance of the modified Terms. If you do not agree to the changes, you must discontinue use immediately.
19. SEVERABILITY AND WAIVER
19.1 Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed, and the remaining provisions shall remain in full force and effect.
19.2 Waiver
Our failure to exercise or enforce any right or provision of these Terms does not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of the Company.
20. ENTIRE AGREEMENT
These Terms, together with our Privacy Policy and any additional terms applicable to specific Services, constitute the entire agreement between you and Oorjita Financial Services LLP regarding the Website and supersede all prior agreements, understandings, and communications.
21. CONTACT INFORMATION
For questions, concerns, or notices regarding these Terms, please contact us :
Oorjita Financial Services LLP
Room 202, 2nd Floor, No.164, 11th Cross
Paduka Mandira Road, BHCS Layout 4th Stage
Uttarahalli Hobli, Bangalore 560061, Karnataka, India.
Email: services@oorjita.ai
Phone: 9353173147
Website: www.oorjita.ai
22. ACKNOWLEDGMENT
BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT :
You have read and understood these Terms and Conditions in their entirety.
You agree to be bound by these Terms.
You understand the investment risks and disclaimers outlined herein.
You acknowledge our absolute commitment to protecting your personal information and data privacy.
You understand we will never share or sell your customer details without your explicit authorization.
You agree to the governing law and jurisdiction provisions
ADDITIONAL PROVISIONS FOR ENHANCED PROTECTION
23. Cookie Policy
The Website may use cookies and similar tracking technologies. By using the Site, you consent to our use of cookies in accordance with our Cookie Policy, which forms part of our Privacy Policy. You can manage cookie preferences through your browser settings.
24. Force Majeure :
We shall not be liable for any failure or delay in performance of our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to 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, labor, or materials.
25. Export Controls :
You agree to comply with all applicable export and import control laws and regulations in your use of the Website and Services.
26. Assignment :
You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.
27. Language :
These Terms are drafted in English. In case of any translation, the English version shall prevail in case of any conflict or ambiguity.
28. Consumer Protection RightsNothing in these Terms shall affect your statutory rights under the Consumer Protection Act, 2019, or other applicable consumer protection legislation.
IMPORTANT NOTICE: This Terms and Conditions document provides comprehensive legal protection for Oorjita Financial Services LLP and has been drafted with special emphasis on your stated requirement that customer details will never be shared or sold without explicit authorization. However, it is strongly recommended that you have this document reviewed by a qualified attorney licensed to practice in India to ensure full compliance with current laws and regulations specific to your business operations. Legal requirements may change, particularly with the ongoing implementation of the Digital Personal Data Protection Act, 2023, and professional legal review ensures your Terms remain current and enforceable.
