Terms & Conditions

1. Agreement to these terms

By accessing our websites quitlosing.in and practice.quitlosing.in, or any of our content, assessments, WhatsApp messages, emails, or community channels (collectively, the "Services"), you agree to these Terms & Conditions. If you do not agree, please do not use the Services.

These Terms form a legally binding agreement between you ("you" or "User") and QuitLosing, operated by Manoj Maheshwari, based in Mumbai, India ("QuitLosing", "we", "us").

2. Not financial advice — the most important section

Specifically:

• Our assessments, quizzes, chart simulations, and reports are for educational and self-awareness purposes only
• Any profile labels, scores, or recommendations (e.g., "Promising Student", "Learn + Practice plan") are generic and educational, not trade signals or investment advice
• Simulation results reflect historical market behaviour and are not a prediction of future performance
• Past performance (yours, ours, or anyone's) is not indicative of future results
• Trading in Indian F&O markets carries substantial risk. 91% of retail F&O traders lose money (SEBI 2024 study)

3. Eligibility

To use our Services, you must be at least 18 years old and legally capable of entering into a binding contract under Indian law. By using the Services, you represent and warrant that you meet this requirement.

4. What the Services include

We offer:

• A free online self-assessment ("QuitLosing Practice") consisting of multiple-choice knowledge questions and chart-reading simulations
• A personalised educational report delivered via WhatsApp and/or email
• Follow-up educational content, subscription offerings, and community access — if you opt in

We may add, modify, suspend, or discontinue any part of the Services at our discretion. We will make reasonable effort to notify users of material changes.

5. Acceptable use

When using the Services, you agree NOT to:

• Impersonate any person or entity, or provide false contact details
• Harvest data, scrape content, or reverse-engineer our assessments
• Attempt to bypass our rigging mechanics, security measures, or access controls
• Upload malicious code or attempt to disrupt our infrastructure
• Use the Services for any unlawful purpose or in violation of Indian law
• Share your personalised report to impersonate assessment results for another person
• Use our content for commercial redistribution without written permission

Violation of these terms may result in suspension of access and, where applicable, legal action.

6. Intellectual property

All content on our Services — text, graphics, question banks, chart simulations, software code, branding, and personalised reports — is the property of QuitLosing or our licensors and is protected by Indian copyright and trademark law.

You may view and print content for your personal, non-commercial use. You may not reproduce, redistribute, or create derivative works without our written permission.

7. User-provided data

When you submit information to us (name, contact details, assessment responses, messages), you grant us a limited licence to use that information for the purposes described in our Privacy Policy. You retain ownership of your information. You may withdraw this licence (and request deletion) as described in the Privacy Policy.

8. Communications + consent

By submitting your WhatsApp number, email, or other contact details and ticking the applicable consent boxes, you consent to receive:

• Transactional messages — your assessment report, reference IDs, account notices (required to deliver the service)
• Follow-up educational content — tips, articles, invitations (optional; you may opt out any time via "STOP" on WhatsApp or the unsubscribe link in email)
• Commercial offers — paid subscription tiers, courses, events (optional; separate opt-in)

We will never spam. We respect your opt-out requests immediately.

9. Fees and refunds (when paid services launch)

QuitLosing Practice is currently offered free of charge. We plan to introduce paid subscription tiers in the future. When we do, the following principles will apply:

• Pricing will be clearly displayed before payment
• Payment will be processed by licensed Indian payment gateways (such as Razorpay)
• Our Refund Policy will govern cancellations and refunds
• Subscription renewals will be opt-in (no auto-renewal without your explicit consent)

10. Third-party services and links

Our Services may reference or link to third-party platforms (brokers, exchanges, educational resources). We do not control those platforms and are not responsible for their content, terms, or practices. Use of any third-party service is at your own risk and governed by that provider's terms.

11. Disclaimer of warranties

The Services are provided "as is" and "as available". To the maximum extent permitted by Indian law, we disclaim all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, accuracy, reliability, availability, and non-infringement.

Specifically:

• We do not guarantee the Services will be uninterrupted, timely, secure, or error-free
• We do not warrant that our assessments predict real-world trading outcomes
• We do not warrant that following our educational content will result in profits

12. Limitation of liability

To the maximum extent permitted by Indian law, QuitLosing, its founder, employees, and contractors are not liable for any financial losses you may incur from trading activities, whether or not those activities were informed in any way by our educational content.

Our aggregate liability to you for any claim arising from the Services is limited to the greater of: (a) the amount you paid us in the 12 months preceding the claim, or (b) ₹1,000.

We are not liable for indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or opportunity.

13. Indemnification

You agree to indemnify and hold harmless QuitLosing from any claim, demand, or liability arising from your violation of these Terms, your misuse of the Services, or your trading activities.

14. Termination

We may suspend or terminate your access to the Services at any time for violations of these Terms or other legitimate reasons. You may stop using the Services at any time.

Provisions that by their nature should survive termination (including IP, Limitation of Liability, Indemnification, Governing Law) will continue to apply.

15. Changes to these Terms

We may update these Terms from time to time. The updated Terms will be posted on this page with a new "Last updated" date. Your continued use of the Services after the update constitutes acceptance.

For material changes that affect your rights, we will notify you via email or a prominent notice on our site before the change takes effect.

16. Governing law and dispute resolution

These Terms are governed by the laws of India. Any dispute arising from or related to these Terms or the Services will be resolved as follows:

1. Informal resolution first: contact us at hello@quitlosing.in — we commit to working in good faith to resolve the issue within 30 days
2. Arbitration: if unresolved, disputes will be finally settled by arbitration under the Arbitration and Conciliation Act, 1996, conducted by a sole arbitrator mutually agreed (or appointed per the Act). Seat and venue of arbitration: Mumbai, Maharashtra. Language: English
3. Jurisdiction for interim relief: courts of Mumbai, Maharashtra have exclusive jurisdiction for any interim, injunctive, or enforcement actions

17. Contact

Questions about these Terms: hello@quitlosing.in
Data privacy and grievances: grievance@quitlosing.in
WhatsApp: +91 70219 62061