(SEBI Registration Number : INH000015455 ; BSE Enlistment No : 6088)

Effective Date : 1 Jan 2026

General Introduction and Scope

I/We/Stoxsense offers two distinct service categories: (a) SEBI-regulated research services, including non-personalised trading calls; and (b) Investor-education courses. The scope of both the services are slightly different and are mentioned in each of the respective sections.

The terms applicable to one service category shall not automatically apply to the other service category. Purchasing an education course does not provide access to research calls, and purchasing research services does not automatically include an education course unless expressly stated.

Any material changes to all these ‘Terms of Use’ will be published with a revised effective date. Changes to voluntary clauses applicable to RA research services will be preceded by at least 7 days’ notice, as required. By registering on our website, or availing any of our services, all visitors and subscribers to our site shall be deem to have accepted the same.

In case of any inconsistency, applicable law and mandatory SEBI/RAASB requirements shall prevail, followed by the specific terms applicable to the service purchased, the Cancellations & Refund Policy and thereafter the general provisions of these Terms.

Governing Law & Jurisdiction: The use of this website and any disputes arising from it shall be governed by the laws of India and subject to the exclusive jurisdiction of the courts in Bhilai, Chhattisgarh only.

Disclaimers and Liability

• Registration granted by SEBI, Enlistment with BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
• Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
• Past performance of our trading system and trading process is absolutely NO guarantee of its future performances , and is subjected to existing market conditions / future performances.

• The subscriber or any user voluntarily agrees to take above into consideration while making any personal investments decisions. Securities and derivatives involve market risk. Clients and learners remain responsible for their independent trading decisions. We / any stoxsense’s member shall not be responsible or liable for any loss or profit arising from such investments from the user, subscriber or the visitor.
• Research recommendations are non-personalised and clients remain responsible for their investment decisions. Education courses do not contain current security-specific recommendations.
• This website contains information about both investor-education courses and SEBI-regulated research services. Access to paid research recommendations is provided separately only after completion of the applicable RA onboarding process. This service does not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.
• Learning content is provided for investor education. Security-specific trading calls, including entry, target or stop-loss levels, are provided only as regulated research services and are not described as education, and these ideas are susceptible to the constant changes in the market conditions.
• A product name, description or disclaimer does not determine the regulatory character of a service. Any security-specific buy, sell or hold recommendation, trading call, price target or stop-loss target will be treated as a research service.
• Research and education content is subject to the applicable terms, risk disclosures and law. Nothing in these Terms excludes any responsibility that cannot legally be excluded.
• Any general limitation of liability stated on this website is subject to applicable law and mandatory SEBI/RAASB requirements and shall not restrict any regulatory or statutory right of a research-service client or education customer.
• We do not provide any guarantees in the stock market / share market. Every individual will be responsible for his or own fund/buying/selling and discretion for taking trades. We will have no legal responsibility or liability towards any loss or health, wealth, damages and is complete responsibility of the user/subscriber and user/subscriber only.
• Payments are service fees and/with applicable statutory charges. Refunds will be governed by the policy applicable to the service purchased and applicable law.
• For RA trading call related services, no fee will be charged and no research service will commence until the client’s consent to the applicable RA Terms and MITC has been obtained through a legally acceptable mode. However for education services, enrolment requires separate acceptance of the Education Terms and no such sign-off is required upfront to initiate the services.

Personal / Company Disclosure

• The information / opinions or any educational trading ideas about buy/sell have been prepared by us and are subject to change without any notice.
• Research reports and paid course material are confidential and licensed for personal use. Any report and information contained herein is strictly confidential and meant solely for the selected recipient and may not be altered in any way, transmitted to, copied or distributed, in part or in whole, to any other person or to the media or reproduced in any form, without our prior written consent.
• The information provided in any kind of Report (if any) is from publicly available data, which we believe and are reliable. While reasonable endeavors have been made to present reliable data in the Report (if any) so far as it relates to current and historical information. However, third-party information may contain errors, delays or omissions, and no representation is made that all information will remain complete or current. Accordingly, us or my relatives shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information contained, views and opinions expressed in any publication.
• Past performance should not be taken as an indication or guarantee of future performance, and no representation or warranty, express or implied, is made regarding future performances. Historical security examples appearing in education material are provided only to explain trading strategy, concepts and are not current trading ideas or recommendations, which may change in future too,
• Any user, subscriber or Investors should not solely rely on the any trading ideas shared by us and must make investment decisions based on their own investment objectives, judgment, risk profile and financial position. Learners must not treat educational material as the basis for a present securities transaction.
• The learners should obtain independent professional advice where required and should not treat any course content as any kind of personalised investment or trading advice.
• It is confirmed that for our trading calls services, we have not received any compensation from any of the companies mentioned. Applicable compensation, financial-interest and conflict-of-interest disclosures will be provided in the relevant research report or recommendation.
• I and my relatives collectively do not own 1% or more of the actual / beneficial ownership of equity securities of the subject company/ies mentioned in the report as of the last day of the month preceding the publication of the research report. Applicable ownership and financial-interest disclosures concerning the Research Analyst and relevant relatives/associates will be provided with each research report or recommendation, as required.
• I submit that regulatory and disciplinary history, if any, is disclosed on the Regulatory Disclosures page and updated when required.
• The applicable ownership, compensation and conflict-of-interest position will be determined separately for each security-specific research recommendation. General website disclosures do not replace recommendation-specific disclosures.
• The extent of use of artificial-intelligence tools in providing research services will be disclosed to research clients. Where an AI tool is used, the Research Analyst remains responsible for the research service and its regulatory compliance.

Most Important Terms and Condition (SEBI Circular)

This section applies only to clients receiving RA research services. It does not apply merely because a person visits the website or purchases an education-only course.

1. These terms and conditions, and consent thereon are for the research services provided by the Research Analyst (RA) and RA cannot execute/carry out any trade (purchase/sell transaction) on behalf of, the client. Thus, the clients are advised not to permit RA to execute any trade on their behalf.

2. The fee charged by RA to the client will be subject to the maximum of amount prescribed by SEBI/ Research Analyst Administration and Supervisory Body (RAASB) from time to time (applicable only for Individual and HUF Clients). Note:

2.1. The current fee limit is Rs 1,51,000/- per annum per family of client for all research services of the RA.
2.2. The fee limit does not include statutory charges.
2.3. The fee limits do not apply to a non-individual client / accredited investor.

3. RA may charge fees in advance if agreed by the client. Such advance shall not exceed the period stipulated by SEBI; presently it is one quarter. In case of pre-mature termination of the RA services by either the client or the RA, the client shall be entitled to seek refund of proportionate fees only for unexpired period.

4. Fees to RA may be paid by the client through any of the specified modes like cheque, online bank transfer, UPI, etc. Cash payment is not allowed. Optionally the client can make payments through Centralized Fee Collection Mechanism (CeFCoM) managed by BSE Limited (i.e. currently recognized RAASB).

5. The RA is required to abide by the applicable regulations/ circulars/ directions specified by SEBI and RAASB from time to time in relation to disclosure and mitigation of any actual or potential conflict of interest. The RA will endeavor to promptly inform the client of any conflict of interest that may affect the services being rendered to the client.

6. Any assured/guaranteed/fixed returns schemes or any other schemes of similar nature are prohibited by law. No scheme of this nature shall be offered to the client by the RA.

7. The RA cannot guarantee returns, profits, accuracy, or risk-free investments from the use of the RA’s research services. All opinions, projections, estimates of the RA are based on the analysis of available data under certain assumptions as of the date of preparation/publication of research report.

8. Any investment made based on recommendations in research reports are subject to market risks, and recommendations do not provide any assurance of returns. There is no recourse to claim any losses incurred on the investments made based on the recommendations in the research report. Any reliance placed on the research report provided by the RA shall be as per the client’s own judgement and assessment of the conclusions contained in the research report.

9. The SEBI registration, Enlistment with RAASB, and NISM certification do not guarantee the performance of the RA or assure any returns to the client.

10. For any grievances:

• Step 1: the client should first contact the RA using the details on its website or following contact details. Go to “Complaints Page” for details
• Step 2: If the resolution is unsatisfactory, the client can also lodge grievances through SEBI’s SCORES platform at www.scores.sebi.gov.in
• Step 3: The client may also consider the Online Dispute Resolution (ODR) through the Smart ODR portal at https://smartodr.in

11. Clients are required to keep contact details, including email id and mobile number/s updated with the RA at all times.

12. The RA shall never ask for the client’s login credentials and OTPs for the client’s Trading Account Demat Account and Bank Account. Never share such information with anyone including RA.

Education Services Specific Terms and Disclaimers

1. Nature of education services: Education courses are provided solely for investor education and skill development. They may explain trading concepts, technical-analysis methods, strategy rules, risk-management principles, trading psychology, backtesting methods and historical case studies.

2. Separate service: Enrolment in an education course does not, by itself, constitute subscription to StoxSense research services. A learner wishing to receive regulated research calls must subscribe separately and complete the applicable RA onboarding process.

3. No current recommendation: Education services do not include a current buy/sell/hold recommendation, entry level, price target, stop-loss target, current options strike or expiry recommendation, model portfolio or current watchlist.

4. Historical illustrations: Historical security examples are used only to explain course concepts. The securities quoted are for illustration only and are not recommendatory.

5. Price-data restriction: Security-specific market data used for educational purposes will observe the minimum delay prescribed by SEBI, presently 30 days. Live or near-live market price data will not be used under the education service to indicate a future price, current trading opportunity, advice or recommendation concerning a security.

6. No personalised advice or suitability assessment: The education service does not consider a learner’s income, financial goals, portfolio, capital, tax position, loss-bearing capacity or personal circumstances and does not determine whether a security, derivative, strategy or position size is suitable for a learner.

7. Mentorship and doubt-clearing boundary: Mentorship and doubt-clearing are limited to explaining the curriculum, methodology, historical examples and general risk controls. Questions requesting a current security recommendation, review of a live position, portfolio advice or personalised trading instruction will not be answered under the education service.

8. No trading calls or execution: Education services do not include live trading calls, operation of an account, trade execution or access to a learner’s trading account, demat account, bank account, password, PIN or OTP.

9. No assurance of results: No course, strategy, indicator or risk-management process can guarantee profits, prevent losses or produce a fixed level of return or accuracy. Past performance is not indicative of future results.

10. Backtesting and hypothetical results: Backtests and hypothetical illustrations are affected by assumptions, data selection, transaction costs, taxes, slippage, liquidity and execution differences. They do not represent actual or expected future performance. A disclaimer does not permit an otherwise prohibited public return, performance or accuracy claim.

11. Securities and derivatives risks: Trading in securities and derivatives involves substantial risk. A learner may lose part or all of the capital deployed, and certain leveraged or uncovered positions may produce losses exceeding the amount initially committed.

12. Independent responsibility: Learners remain responsible for independently evaluating course concepts, deciding whether to trade and determining their position size. Course material must not be relied upon as the sole basis for a present investment or trading decision.

13. SEBI-status clarification: SEBI registration, BSE enlistment and NISM certification relate to the provider’s regulated Research Analyst activities. They do not constitute SEBI, BSE or NISM approval, accreditation, certification or endorsement of an education course or strategy.

14. Course-completion acknowledgement: Any course-completion acknowledgement only confirms participation in or completion of the course. It is not a SEBI, NISM, exchange or government certification and does not authorise the learner to provide research recommendations or investment advice.

15. Third-party information and technology: Course material may contain information, charts, software or third-party services considered reliable at the time of preparation. Availability, accuracy and completeness are not guaranteed. Third-party names and trademarks remain the property of their respective owners.

16. Acceptance: Before enrolment, the learner must accept all the TERMS of USE on this page.

I am enrolling solely for investor education. I understand that the course does not include current trading calls, personalised investment advice, assured returns or trade execution.

Cancellations & Refund Policy

• For premature termination of RA research services, including equity and options research call, the client shall receive the proportionate fee attributable to the unexpired service period, in accordance with applicable SEBI requirements. No administrative, legal or payment-processing deduction will be made from a mandatory proportionate RA refund, except a statutory charge that legally cannot be reversed.
• None of our services come with any free trial period (as per SEBI guidelines) and in-case anyone else has offered you the same – please escalate it immediately (as they can be someone else posting as us and trying to FRAUD you.
• Education-course related fees is completely non-refundable after course access has commenced, except where the course is not delivered as described, access cannot be provided, a refund is required by applicable law, or StoxSense approves a refund under the published policy. This is not covered as grievance mechanism with SEBI, as the concerned user is urged to contact us for speedy resolution.
• The refund request has to be made by dropping the email to help@stoxsense.in with your email ID and Phone number used during registration in the website.
• Any refund request will be deemed valid only if it is made through an email to help@stoxsense.in
• An acknowledged refund request will be assessed under the policy applicable to the service purchased. Approved refunds will ordinarily be returned to the original payment method. Where this is not possible, the customer may be asked to provide verified bank details within 10-days of raising the request.
• Any user can register themselves only once, using relevant details requested.
• A verified duplicate payment caused by a technical or payment-processing error will be refunded to the original payment method. A restriction based on viewing course content will not eliminate a refund that must be provided under applicable law.

Code Of Conduct and Intellectual Property

• All information, trading/value stock pick ideas, opinion on market are provided to clients ( including ID, password ) is a closed group information in a private and confidential manner. No one is allowed to circulate it outside the group in any manner whatsoever, either publicly or privately. Doing so will be a direct and immediate violation of our policies and will attract legal consequences (incl immediate termination of all services and blacklisting for future services) without any refund and legal action against the respective use/client/customer.
• Any paid research and course material is licensed for the subscriber’s personal use only. Unauthorised copying, redistribution, resale, publication or sharing of account access is prohibited, except where permitted by law.
• Any material unauthorised copying, resale, redistribution or credential sharing will result in immediate suspension or termination and appropriate legal action. Our content includes any trading calls/ideas OR learning courses OR any-image used in our website OR quote from our website, in public or private social forums (incl Facebook, Twitter, Youtube, Telegram, WhatsApp, etc). Any refund consequence will remain subject to the applicable service terms and law.
• Any user found to be sharing login/password (or both) for their subscription with any other person(s) will lead to termination of all of their services with immediate effect (we may track ip address, as part of cookies policy, to track fraudulent logins and for advertisement purpose), and the person shall be blacklisted for future services.
• We have ZERO tolerance of any kind of abusive behavior towards our customer care or any other employees. Threatening, abusive, discriminatory or unlawful behaviour toward staff is prohibited and may result in suspension or termination. Any refund will be determined under the applicable service policy and law including deductions for legal expenses. However, nothing in these terms prevents a person from making a genuine complaint, reporting a regulatory concern, approaching SEBI, RAASB, SCORES or ODR, exercising a statutory right or publishing an honest review.
• Any user, visitor or subscriber found to be willfully sharing any wrong information about the services offered by company OR about the company itself in any public or private forum will be liable for termination of all the services with NO refund due to policy violation including blacklisting from future services. The company will however always try their best to resolve all differences to the extent possible to avoid such situation from occurring.
• Research reports and paid course material are confidential and licensed for personal use. Any report and information contained herein is strictly confidential and meant solely for the selected recipient and may not be altered in any way, transmitted to, copied or distributed, in part or in whole, to any other person or to the media or reproduced in any form, without our prior written consent.
• All original course videos, documents, research material, indicators, templates, graphics, branding and website content remain the intellectual property of StoxSense or the relevant licensor.
• Purchase of a service grants only a limited, personal, non-exclusive and non-transferable right of access for the stated access period. No ownership or intellectual-property right is transferred to the subscriber or learner.
• Third-party names, software, charts, trademarks and content remain the property of their respective owners. Nothing in this Intellectual Property Policy restricts a use, disclosure or right that is expressly permitted by applicable law.

General Lega Provisions

• Indemnification: You agree to indemnify, defend, and hold harmless StoxSense, its owner, employees, affiliates, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to legal fees) arising from: (i) your use of and access to the website and services; (ii) your violation of any term of these Terms of Use; or (iii) your violation of any third-party right, including without limitation any copyright, intellectual property, or privacy right.
• Severability: If any provision of these Terms of Use is found to be unenforceable or invalid under any applicable law by a competent court, such unenforceability or invalidity shall not render these Terms of Use unenforceable or invalid as a whole. The invalid provision will be severed, and all other provisions will remain in full force and effect.

Privacy Policy

The service provider responsible for personal-data processing is Sudhir Verma, trading under the name StoxSense. Current contact details are published on the website.

Who we are

Our website address are: https://stoxsense.in/ (https://stoxsense.com – just redirects to .in domain and is not a working website for now)

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

If you request a password reset, your IP address will be included in the reset email.

Depending on the service used, personal information may be shared with KYC Registration Agencies, RAASB/BSE, SEBI, payment processors, website and course-hosting providers, communication providers, professional advisers, auditors and authorities where required for service delivery, regulatory compliance or applicable law.

Information collected may include name, email address, mobile number, postal address, PAN and KYC information, payment and transaction information, product purchased, course progress, support and research-service communications, call recordings where applicable, IP address, device information and information required for regulatory compliance.

Personal information may be processed for account creation, course delivery, RA onboarding, KYC, regulatory compliance, payment processing, customer support, fraud prevention, grievance handling, security and record maintenance.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

RA research-service records, research records, KYC records and client/prospective-client interaction records will be retained for the period prescribed by SEBI and other applicable law. Other information will be retained for as long as reasonably necessary for the stated purpose, dispute resolution, security, accounting or legal compliance.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Requests concerning access, correction, updating, withdrawal of consent or deletion may be submitted through the website contact details. Withdrawal or deletion will not apply where retention or processing is required for SEBI, tax, accounting, dispute-resolution or other legal obligations and may prevent continued delivery of a service where the information is necessary.

Reasonable administrative, technical and organisational safeguards will be used to protect personal information. No internet-based system can be represented as completely secure.

Paid services are intended for persons capable of entering into a legally valid contract. StoxSense does not knowingly provide paid services to a minor without legally valid guardian involvement.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

Privacy questions or grievances may be submitted using the support and escalation contacts published on the website.

Cookie Policy

Cookies Policy

This Cookies Policy (“Cookies Policy”) describes cookies and other technologies that stoxsense, Inc.l (“stoxsense”, “we”, “us” or “our”) uses on its website (“Site”) and the choices that users have. This Cookies Policy is a part of stoxsense Privacy Policy.

For this Cookie Policy, the website operator is Sudhir Verma, trading under the name StoxSense. Any inconsistent legacy reference to “stoxsense, Inc.l” or “4percenttrader” shall be understood as referring to the StoxSense website operator identified in the Privacy Policy.

When you first visit the Site, you will be asked to consent to the use of cookies in accordance with this Cookies Policy. Note that if you accept, we will store them on your computer.

What is a cookie?

A ‘cookie’ is a piece of information that is sent to your browser by a website you visit. The Site uses first party cookies (those set by a website that is being visited by the user at the time. For example, cookies via www.tradingview.com) as well as third-party cookies (set by a different domain), as described below.

Cookies can be stored on your computer for various periods of time. They can be in a form of either “session cookies” or “persistent cookies.” A session cookie only lasts as long as the browser session and is automatically deleted when you close your browser. A persistent cookie lasts long after your browser is closed and will remain until it expires (as determined by the third party in charge of placing it) or until you delete the cookie. Persistent cookies are used to help sites recognize and identify your computer when you open your browser and surf the Internet again.

The data collected through cookies may include information about the IP (Internet Protocol) address of your device, browser type, language, operating system, the state or country from which you have accessed the Site, the date and the time of your visit(s), the number of links you click on this Site, the functions you use, the searches you request, and the data you have saved while on this Site. 4percenttrader may use the information collected for a variety of necessary, legitimate purposes, including user authentication, user interface customization, security, research and analysis to improve the functionality of our Site, and advertising (for more information on how we use your data, please read our Privacy Policy).

You can find out more about cookies (including how to see or manage them) at All About Cookies or AboutCookies.org websites.

How do we use cookies?

The following sets out how we use different categories of cookies, as well as information on your options for managing your settings for the data collected by these technologies:

• Necessary cookies: These cookies are used to provide users with services available through a Site and to use some of its features, such as the ability to log-in and access secure areas, provide pop-up notices, and accept language from sign-up forms. These cookies are essential for using and navigating a Site. Without them, basic functions of our Site would not work. Because these cookies are strictly necessary to deliver our Site’s essential services, you cannot refuse them.
• Performance/Google Analytics cookies: These cookies are used to recognize and count the number of Site visitors, gather statistics regarding how visitors move around the Site (including number of page views and the amount time spent on each page) and for conversion tracking and click hotspots. These cookies collect information pseudonymously. Examples of cookies used for this purpose are __ga, __utma, and __git.
• Advertising cookies (ad cookies): These cookies are used to show advertising that is relevant to you.
• Cookies used to integrate third party services: These cookies are used to integrate third-party functions on the Site, such as videos, maps, or social network plug-ins.
• Other third party cookies: On some parts of the Site, including, but not limited, to news widgets, we use content provided by other websites(third parties). These third party sites are able to set their own cookies in some cases. Note that we have no control over these third-party cookies. You can turn them off by disabling them on your browser. You can find more information on the most popular web-browser help pages:

The information about your use of the Site (including your IP address) will be transmitted to and stored by Google, Inc. in the United States (pursuant to Google’s Privacy Shield certification). This is all generated by Google Analytics. For more information on Google Analytics and their privacy practices, check here. You can find more information about Google Analytics and their cookie usage and expiration here.

• Google Chrome
• Mozilla Firefox
• Microsoft Edge
• Safari (macOS)
• Safari (iOS)

For other browsers, please consult the documentation that your browser manufacturer provides.

Necessary cookies may operate where required for website security, login and essential functionality. Analytics, advertising and other non-essential cookies will be used according to the consent choices made available through the website’s cookie mechanism. Users may withdraw or change optional cookie consent through available cookie settings or browser controls.

Third-party services are governed by their current privacy and cookie terms. Any legacy reference to an expired privacy framework does not override current applicable law or a third-party provider’s current terms.

Changes in cookies policy

We may change the type of third party service providers that place cookies on our Site and amend this Cookies Policy at any time by posting them in the website and updating our cookies policy, without any intimation to any user, or customer, or visitor.