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TERMS OF USE, PRIVACY, PAYMENT & REFUND POLICY

TRADE TM FINANCIAL SERVICES | TradeTM
Effective Date: 24 September 2026
This Terms of Use, Privacy, Payment & Refund Policy (“Policy”) governs access to and use of the website www.tradetm.org (“Website”), TradeTM digital platforms and applications, and the educational programs and related services offered by TRADE TM FINANCIAL SERVICES, a partnership firm operating under the brand name TradeTM (“TradeTM”, “we”, “us” or “our”).By accessing the Website, submitting an application, enrolling in a program, making a payment, or using any TradeTM service, you acknowledge that you have read and understood this Policy and agree to be bound by it, subject to applicable law.

1. ABOUT TRADETM

TradeTM is the brand name under which TRADE TM FINANCIAL SERVICES provides its educational and training programs.

Legal Name: TRADE TM FINANCIAL SERVICES
Brand: TradeTM
Registered Address: 4th Floor, Hiranandani Business Park, WeWork Zenia, Ghodbunder Road, Hiranandani Estate, Thane, Maharashtra – 400607
Email: contact@tradetm.org
Phone: +91 9321346833
Website: www.tradetm.org

TradeTM provides structured educational and training programs focused on financial markets, financial literacy, market analysis, trading concepts, risk management and related areas of financial education.

2. NATURE OF OUR SERVICES

TradeTM provides educational and training services through structured, cohort-based programs.

Depending on the program, services may include:
• live online instructional sessions;
• structured curriculum and learning modules;
• practical learning exercises and assignments;
• access to educational recordings and resources;
• market-analysis discussions and case studies;
• educational reviews and feedback;
• capstone or practical learning exercises;
• specialised educational sessions; and
• access to relevant learning and community resources.

The standard program is generally structured over approximately three months, although the duration, schedule, curriculum, session timings and specific inclusions may vary between cohorts.

The applicable program details and fees will be communicated to participants before enrolment.

3. EDUCATIONAL PURPOSE

TradeTM's programs are provided for education, learning and skill-development purposes.

The curriculum may cover financial markets, market behaviour, technical analysis, fundamental analysis, trading processes, risk management, position sizing, execution concepts and related subjects.

Educational material may include market data, historical examples, case studies, hypothetical illustrations and observations concerning financial markets.

Such material is provided for educational purposes only and should not be interpreted as a guarantee, assurance or promise of any particular financial result.

TradeTM does not guarantee profits, returns, trading success, income or any particular financial outcome from participation in its programs.

Participants remain responsible for their own financial decisions and should obtain independent professional advice where they consider it appropriate.

4. NATURE OF PARTICIPANT ACTIVITY

TradeTM provides educational services and does not provide a facility through which participant funds or securities are managed or held by TradeTM.

TradeTM does not:
• execute trades on behalf of participants;
• take custody of participant funds or securities;
• operate brokerage accounts for participants;
• guarantee investment or trading returns; or
• represent that participation in a program will result in any particular financial outcome.

Nothing in the educational content is intended to constitute a guarantee of future performance.

5. APPLICATION AND ENROLMENT

Certain programs may involve an application or selection process.

Submission of an application does not automatically constitute admission.

Enrolment is confirmed only after TradeTM communicates acceptance and the applicable program fee has been successfully received.

TradeTM may decline an application where reasonably necessary for the operation, suitability or integrity of a particular cohort.


6. PROGRAM FEES AND PAYMENTS

Program fees are communicated to participants before enrolment.

Payments may be made through payment methods made available by TradeTM, including payment gateways, cards, UPI, internet banking and eligible EMI or financing facilities offered by participating banks or payment providers.

Where a participant chooses an EMI or financing facility:
• approval is subject to the relevant bank, card issuer or financing provider;
• interest, processing charges, taxes or other applicable charges may be payable by the participant in accordance with the terms of the relevant provider; and
• TradeTM does not control or guarantee the approval, interest rate, processing fee, repayment schedule or other terms of such facility.

TradeTM may issue appropriate invoices or receipts for payments received in accordance with applicable law.


7. CANCELLATION, REFUND AND DEFERRAL

Because TradeTM operates limited-capacity cohorts and undertakes program preparation, faculty allocation, scheduling and administrative activities upon enrolment, program fees are generally non-refundable once enrolment has been confirmed, subject to applicable law.

Participants are encouraged to review the applicable program information before completing payment.
Deferral Where a participant is unable to continue due to a genuine emergency or significant circumstance, TradeTM may, at its discretion, permit a one-time deferral to the immediately subsequent eligible cohort, subject to availability and the applicable program terms.

A deferral is not a refund and does not create a right to cash reimbursement.

Refunds required by law
Nothing in this Policy is intended to exclude or restrict any right, remedy or refund that cannot lawfully be excluded or restricted under applicable Indian law.

Where a refund is approved or required, it will ordinarily be processed through the original payment method or another legally permissible method.


8. PARTICIPANT ACCESS AND RESPONSIBILITIES

Program access is personal to the enrolled participant and may not be transferred, assigned, resold or shared without prior written permission from TradeTM.

Participants agree to:
• provide accurate registration information;
• use their account and program access responsibly;
• maintain confidentiality of other participants' information;
• comply with reasonable program and platform requirements;
• refrain from sharing paid course material with third parties; and
• use TradeTM resources solely for their intended educational purpose.

TradeTM may suspend or terminate access in cases of material misuse, unauthorized distribution of content, fraudulent activity, abusive conduct or material breach of this Policy.


9. INTELLECTUAL PROPERTY

TradeTM's curriculum, videos, recordings, documents, presentations, frameworks, written materials, graphics, software interfaces, logos, trademarks and other proprietary materials are owned by or licensed to TradeTM unless otherwise stated.

Enrolment grants the participant a limited, personal, non-exclusive and non-transferable right to access and use the educational material for personal learning purposes.

Without prior written permission, participants may not:
• reproduce or commercially distribute TradeTM materials;
• resell or sublicense course content;
• publicly upload recordings or course materials;
• share paid educational resources with non-enrolled persons;
• use TradeTM content to create competing commercial programs; or
• remove proprietary notices.


10. CONFIDENTIALITY

Participants may receive information relating to TradeTM, its faculty, other participants, educational materials, internal processes or community discussions.

Participants agree to treat confidential and personal information received through the program responsibly and not disclose information belonging to another participant or TradeTM except where permitted or required by law.


11. WEBSITE AND DIGITAL SERVICES

TradeTM may use third-party technology providers for hosting, communication, payment processing, analytics, customer support and delivery of educational services.

TradeTM will take reasonable steps to maintain the availability and security of its digital services. However, uninterrupted or error-free availability cannot be guaranteed.

Temporary interruptions may occur because of maintenance, upgrades, technical issues, internet connectivity, third-party service failures or circumstances beyond TradeTM's reasonable control.


12. PRIVACY POLICY

TradeTM respects the privacy of its users and processes personal data in accordance with applicable Indian law, including the Digital Personal Data Protection Act, 2023 and applicable rules thereunder, to the extent applicable to the relevant processing activity.

Information we may collect
Depending on your interaction with TradeTM, we may collect:
• name;
• email address;
• mobile number;
• correspondence or billing information;
• information provided during applications or enrolment;
• payment and transaction-related information;
• program participation information;
• communications and support requests; and
• technical information necessary for operation of the Website and digital services.

Where payments are processed through a third-party payment gateway, TradeTM does not intentionally collect or store full payment-card credentials.

How we use information
Information may be used to:
• process applications and enrolments;
• provide program access;
• process and reconcile payments;
• issue invoices and receipts;
• communicate with participants;
• provide customer support;
• administer educational programs;
• improve our Website and services;
• maintain business, accounting and transaction records;
• comply with legal and regulatory requirements; and
• prevent fraud, misuse or unauthorized access.

Third-party service providers
TradeTM may engage third-party providers for payment processing, hosting, communications, analytics, customer support, software infrastructure and service delivery.

Such providers may process personal information to the extent reasonably necessary to provide their services or as otherwise permitted by applicable law.

Payment information
Where payment is processed through an authorized third-party payment provider, payment-card credentials are handled by the relevant payment provider in accordance with its applicable security and privacy practices.

TradeTM does not intentionally store complete card credentials.

Data retention
Personal information may be retained for as long as reasonably necessary to provide services, maintain business and transaction records, comply with legal, tax and accounting obligations, resolve disputes, enforce agreements and protect legitimate business interests, subject to applicable law.

Data requests
Subject to applicable law and its applicable implementation requirements, individuals may have rights concerning their personal data, including rights relating to access, correction, erasure and grievance redressal.

Requests may be sent to contact@tradetm.org. TradeTM may undertake reasonable verification before processing a request.


13. COOKIES AND WEBSITE TECHNOLOGIES

The Website may use cookies and similar technologies to provide essential functionality, understand Website usage, improve user experience and support analytics or communications where applicable.

Users may manage certain cookie preferences through their browser or device settings. Disabling certain cookies may affect Website functionality.


14. THIRD-PARTY WEBSITES AND SERVICES

The Website or educational material may contain links to third-party websites, applications or services.

TradeTM does not control such third-party platforms and is not responsible for their content, availability, security, privacy practices or terms.

Users should review the applicable third-party terms before using those services.


15. TESTIMONIALS AND EDUCATIONAL EXAMPLES

Testimonials and participant experiences displayed by TradeTM represent the experiences or views of the respective individuals and are not guarantees that another participant will achieve similar results.

Historical market information, examples, charts, case studies and hypothetical illustrations are provided for educational purposes.

Past performance is not indicative of future results.


16. ACCURACY OF INFORMATION

TradeTM makes reasonable efforts to maintain accurate and current information on its Website and digital platforms.

However, financial-market information can change rapidly, and TradeTM does not warrant that all information will always be complete, current or error-free.

TradeTM may update or modify website content, educational content, program schedules or platform features from time to time.


17. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, TradeTM shall not be responsible for losses arising solely from:
• independent financial decisions made by a participant;
• trading or investment activity undertaken independently by a participant;
• market movements;
• reliance on historical examples or educational material;
• interruption of third-party services;
• internet, telecommunications or technology failures beyond TradeTM's reasonable control; or
• unauthorized access resulting from a participant's failure to protect their account credentials.

Nothing in this Policy excludes or limits any liability that cannot lawfully be excluded or limited under applicable law.


18. EVENTS BEYOND REASONABLE CONTROL

TradeTM shall not be responsible for delay or failure in performance caused by circumstances beyond its reasonable control, including natural disasters, governmental actions, regulatory changes, major technology failures, telecommunications failures, civil disturbances, epidemics or other force majeure events.

Where reasonably practicable, TradeTM will communicate material changes affecting an enrolled program and may provide an alternative delivery mechanism, revised schedule or other reasonable solution.


19. GRIEVANCE REDRESSAL

Questions, complaints or service-related concerns may be submitted to:TRADE TM FINANCIAL SERVICES
Email: contact@tradetm.org
Phone: +91 9321346833

TradeTM will make reasonable efforts to acknowledge and address genuine complaints within a reasonable period, depending on the nature and complexity of the issue.

Where a complaint relates to a payment transaction, refund or EMI facility processed through a third-party provider, TradeTM may coordinate with the relevant payment provider or bank where appropriate.


20. CHANGES TO THIS POLICY

TradeTM may update this Policy from time to time to reflect changes in its services, technology, business practices or applicable law.

The updated Policy will be published on the Website with a revised effective date.


21. GOVERNING LAW AND JURISDICTION

This Policy shall be governed by and interpreted in accordance with the laws of India.

Subject to applicable statutory rights and remedies, including rights available to consumers under applicable consumer-protection law, courts having jurisdiction in Thane, Maharashtra shall have jurisdiction over disputes arising from or relating to this Policy or the services.

Nothing in this clause is intended to restrict any statutory jurisdiction or remedy that cannot lawfully be excluded.


22. SEVERABILITY

If any provision of this Policy is determined to be invalid, unlawful or unenforceable, that provision shall be modified or severed to the minimum extent necessary, and the remaining provisions shall continue in effect.


23. CONTACT INFORMATION

TRADE TM FINANCIAL SERVICES
Brand: TradeTM
4th Floor, Hiranandani Business Park, WeWork Zenia, Ghodbunder Road,
Hiranandani Estate, Thane, Maharashtra – 400607

Email: contact@tradetm.org
Phone: +91 9321346833
Website: www.tradetm.org

Last Updated: 24 September 2026

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