Disclaimer

1. Educational Purpose Only

PaisaTrade is an online learning platform that teaches Indian stock market concepts, fundamentals, technical analysis, derivatives, and risk principles. All our content — courses, articles, AI-generated explanations, screeners, paper-trading simulations, and live market visualisations — is provided strictly for educational and informational purposes.

Nothing on this Platform constitutes:

• Investment advice, financial advice, or wealth management guidance.
• Recommendations to buy, sell, or hold any specific stock, ETF, mutual fund, derivative, or other security.
• An offer or solicitation to buy or sell any financial instrument.
• Tax, legal, or accounting advice.
• A guarantee of any specific outcome, return, or strategy success.

2. We Are Not SEBI-Registered

PaisaTrade is not registered with the Securities and Exchange Board of India (SEBI) in any of the following capacities:

• Investment Advisor (under SEBI (Investment Advisers) Regulations, 2013)
• Research Analyst (under SEBI (Research Analysts) Regulations, 2014)
• Portfolio Manager (under SEBI (Portfolio Managers) Regulations, 2020)
• Stock Broker, Sub-Broker, or Depository Participant
• Mutual Fund Distributor or Wealth Manager

We do not perform any regulated activity. If you require investment advice, please consult a SEBI-registered investment advisor. You can verify their registration on the official SEBI website at www.sebi.gov.in.

3. Market Risk Warning

Stock market investments are subject to market risks. This is not just a regulatory phrase — it is a real warning. Anyone who invests in equities, derivatives, or other market instruments can lose part or all of their capital. Risks include but are not limited to:

• Market volatility and price fluctuations
• Economic, political, or geopolitical events
• Company-specific risks like fraud, mismanagement, or bankruptcy
• Liquidity risk — inability to exit positions at desired prices
• Regulatory changes affecting specific sectors
• Leverage risk in F&O trading — losses can exceed your initial capital

Before investing real money: Read all scheme-related and offer documents carefully, understand your risk appetite, and consult a qualified, SEBI-registered financial advisor.

4. Past Performance is Not Indicative

Any historical data, charts, case studies, or backtests shown on PaisaTrade are for illustration only. Past performance — whether of an individual stock, an index, a strategy, or a paper-trading portfolio — is not a reliable indicator of future results. Markets change; what worked yesterday may not work tomorrow.

5. Paper Trading Is a Simulation

Our paper-trading tool uses virtual currency on real or near-real market data. While useful for learning, paper-trading has important limitations:

• No emotional pressure: Real money triggers fear and greed that simulators cannot replicate.
• No slippage: Real orders may not execute at displayed prices, especially in volatile markets.
• No brokerage or taxes: Real trades incur charges (brokerage, STT, GST, stamp duty) that erode returns.
• Unlimited liquidity assumption: Simulators assume you can always buy/sell — real markets don't always cooperate.

A profitable paper-trading streak is not a reason to rush into real trading with the same strategy. Continue learning, study real-market behaviour, and consult professionals before deploying capital.

6. AI Content (Sensa) Disclaimer

Sensa is our AI-powered learning assistant. AI models can make mistakes — they may produce outdated, incomplete, or factually incorrect information. AI responses on Sensa:

• Should be cross-verified with primary sources (official annual reports, SEBI filings, NSE/BSE data).
• Are explanations of concepts, not stock recommendations.
• Should never be the sole basis for any investment decision.

7. Live Market Data Disclaimer

Market data displayed on PaisaTrade is sourced from public feeds and third-party providers. While we make best efforts to provide accurate and timely data:

• Data may be delayed, especially during high-volatility periods.
• We cannot guarantee accuracy or availability at all times.
• Quotes shown are for educational reference, not for real-trading execution.

8. Community Content Disclaimer

Community forums, user reviews, and shared portfolios reflect the personal experiences and opinions of individual users — not the views of PaisaTrade. We do not endorse, verify, or take responsibility for user-generated content. Users posting investment tips or buy/sell recommendations are violating our Terms, and such posts will be removed.

9. Third-Party Links & Brand Mentions

Our content may reference brokers, exchanges, mutual funds, listed companies, or other financial entities for educational purposes. Such mentions are not endorsements. We have no commercial relationship with most entities discussed, and any case studies are based on publicly available information.

10. No Guarantee of Profits

Despite the best education, no one — not us, not your favourite finance YouTuber, not a SEBI-registered advisor — can guarantee profits in the markets. Anyone who promises "guaranteed returns" is either misleading you or breaking the law. If a deal sounds too good to be true, it almost always is.

11. Reporting Misleading Content

If you encounter any content on PaisaTrade — whether in courses, AI responses, or community forums — that appears to give investment advice, recommend specific securities, or guarantee returns, please report it immediately to report@paisatrade.in. We will review and act swiftly.

12. Your Responsibility

By using PaisaTrade, you acknowledge that you understand:

1. PaisaTrade is purely educational and is not your investment advisor.
2. Any decision to invest real money is solely yours.
3. You are responsible for verifying information, conducting your own research, and seeking professional advice.
4. PaisaTrade is not liable for any losses, direct or indirect, that may result from real-market activity influenced by content learned on our Platform.

13. Contact

For questions about this Disclaimer, email us at legal@paisatrade.in.