Terms & Conditions

Last updated: 4 June 2026

These Terms & Conditions (“Terms”) govern your access to and use of the Niyam Markets platform, including our website, web and mobile applications, and related services (collectively, the “Platform” or “Services”). The Platform is owned and operated by KRAFIT TECHNOLOGIES PRIVATE LIMITED (“Niyam”, “Company”, “we”, “us” or “our”), a company incorporated under the Companies Act, 2013 (CIN: U72200TG2020PTC146829), with its registered office in Hyderabad, Telangana, India. By creating an account, subscribing to a plan, or otherwise accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Platform.

1. Definitions
   • “User”, “you” means any individual or entity that registers for or uses the Platform.
   • “Broker” means a SEBI-registered stockbroker whose trading account and APIs you connect to the Platform (e.g. Dhan, Zerodha, Upstox, Angel One, Shoonya, BN Rathi).
   • “Algo” means an algorithmic strategy, signal, or automation configured, subscribed to, or executed through the Platform.
   • “Wallet Credits” means prepaid balance used to pay for usage-based charges within the Platform.
2. Eligibility
   • You must be at least 18 years of age and legally competent to enter into a binding contract under Indian law.
   • You must hold a valid trading and demat account with a SEBI-registered broker supported by the Platform.
   • You agree to comply with all applicable laws and the rules, byelaws and regulations of SEBI, the stock exchanges (NSE, BSE, MCX) and your broker.
   • You represent that the information you provide is accurate, current and complete, and you will keep it updated.
3. Account Registration & Security
   • You are responsible for maintaining the confidentiality of your login credentials, OTPs and API keys, and for all activity under your account.
   • You must notify us immediately of any unauthorised use or suspected breach of security at support@niyammarkets.com.
   • One account is intended for use by a single user. Sharing, reselling or sublicensing access without our written consent is prohibited.
4. Description of Services
   • Niyam provides F&O and market analytics, a multi-leg strategy builder, sector-rotation and FII/DII intelligence, algorithmic trading tools, a signal bridge, paper trading, backtesting and multi-broker order execution.
   • The Platform is a technology tool. We do not provide investment, financial, legal or tax advice, portfolio management, or fund-handling services, and we do not guarantee any profit or outcome.
   • Features, analytics outputs and data are provided on an “as-is” and “as-available” basis and may be changed, suspended or discontinued at our discretion.
5. Broker Integration & Bring-Your-Own-Broker
   • You connect your own broker account to the Platform. Niyam never takes custody of your funds or securities; all orders are placed into and settled within your own broker account.
   • By connecting a broker, you authorise the Platform to access market data and to place, modify or cancel orders on your behalf strictly as per the actions, algos and signals you configure.
   • Your use of any broker remains subject to that broker’s own terms. We are not responsible for broker downtime, API failures, rejections, slippage, margin shortfalls or settlement issues.
6. Algorithmic Trading, Signals & Automation
   • Algos and signals execute automatically based on the parameters you select or the strategies you subscribe to. You are solely responsible for reviewing, configuring and monitoring them.
   • Automated execution carries additional operational risk, including latency, connectivity loss, erroneous signals and rapid order generation. You should use available risk controls (e.g. limits and kill switch) and supervise your account.
   • Past or hypothetical performance of any algo, signal or backtest is not indicative of future results.
7. Paper Trading & Backtesting
   • Paper trading and backtesting are simulated environments using historical or virtual data. Results are hypothetical and do not reflect actual execution, liquidity, charges or market impact.
   • Simulated performance must not be relied upon as a representation that similar results will be achieved in live trading.
8. Subscriptions, Wallet Credits & Charges
   • Access to paid features requires an active subscription plan and/or prepaid Wallet Credits, as described on the Platform.
   • Certain actions (such as order execution, backtests and virtual environment usage) incur usage-based charges that are deducted from your Wallet Credits at the rates published on the Platform.
   • Wallet Credits are prepaid, non-transferable and may be used only within the Platform. Subscription fees and Wallet Credits are governed by our Refund Policy.
9. Payments & Taxes
   • Payments are processed through authorised third-party payment gateways (e.g. Razorpay). We do not store your full card or banking details.
   • All fees are exclusive of applicable taxes unless stated otherwise. Goods and Services Tax (GST) and any other statutory levies will be charged as applicable.
   • You authorise us and our payment partners to charge the amounts due for your selected plan or top-up.
10. Acceptable Use
    • You agree not to misuse the Platform, including by attempting to gain unauthorised access, reverse-engineering, scraping, overloading our systems, or interfering with other users.
    • You agree not to use the Platform for any unlawful purpose, including market manipulation, fraud, money laundering, or any activity prohibited by SEBI or the exchanges.
    • You will not transmit malware, infringe intellectual property, or upload content you are not authorised to share.
11. Intellectual Property
    • All software, content, designs, trademarks, analytics methodologies and other materials on the Platform are owned by or licensed to the Company and are protected by applicable laws.
    • We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Platform for your personal trading purposes. No other rights are granted.
12. Data & Privacy
    • Your use of the Platform is also governed by our Privacy Policy, which explains how we collect, use, store and protect your information, including encrypted handling of broker credentials.
13. Risk Disclosure
    • Trading and investment in securities, derivatives (F&O), commodities and other financial instruments involve a high degree of risk and may result in partial or total loss of capital.
    • Derivatives and leveraged positions can move rapidly against you. You should trade only with capital you can afford to lose and after understanding the risks involved.
    • You acknowledge that all trading decisions are made by you, at your own discretion and risk.
14. Disclaimers
    • The Platform is provided “as is” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or uninterrupted or error-free operation.
    • We do not warrant that analytics, data feeds, or signals are accurate, complete, timely or free from errors, or that the Platform will be continuously available.
15. Limitation of Liability
    • To the maximum extent permitted by law, the Company and its directors, employees and partners shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for any trading losses, lost profits, or loss of data.
    • Our total aggregate liability for any claim arising out of or relating to the Services shall not exceed the total fees paid by you to the Company in the three (3) months preceding the event giving rise to the claim.
16. Indemnification
    • You agree to indemnify and hold harmless the Company against any claims, losses, liabilities and expenses arising from your use of the Platform, your trading activity, or your breach of these Terms or applicable law.
17. Suspension & Termination
    • We may suspend or terminate your access, with or without notice, if you breach these Terms, if required by law or a regulator, or to protect the Platform or other users.
    • You may stop using the Platform at any time. Provisions that by their nature should survive termination (including liability, indemnity and governing law) will continue to apply.
18. Changes to the Services or Terms
    • We may update these Terms from time to time. Material changes will be notified on the Platform or by email. Your continued use after changes take effect constitutes acceptance of the revised Terms.
19. Governing Law & Dispute Resolution
    • These Terms are governed by and construed in accordance with the laws of India.
    • Subject to applicable law, the courts at Hyderabad, Telangana shall have exclusive jurisdiction over any disputes arising out of or in connection with these Terms.
20. Grievance Redressal & Contact
    • For any questions, complaints or grievances regarding these Terms or the Services, please contact us using the details below. We endeavour to acknowledge grievances within a reasonable time.

Disclaimer

Niyam Markets provides algorithmic trading tools, signals, analytics and automation features. We are not registered as an investment adviser, research analyst, portfolio manager or broker with SEBI or any other regulatory authority. All strategies, insights and signals are for educational and informational purposes only. Users are solely responsible for their own trading decisions, profits and losses. Trading in securities, derivatives, commodities and other financial instruments carries inherent risks, including loss of capital. Past performance of algorithms or signals does not guarantee future results. By using our Platform, you acknowledge and accept full responsibility for your trading activities.