Terms of Service

NOTICE: READ THIS TERMS OF SERVICE AGREEMENT CAREFULLY BEFORE USING THIS WEBSITE IN ANY MANNER WHATSOEVER. Using this website in any manner, which includes without limitation surfing / browsing it, creating a membership account on it, placing an order for any product or service offered through it, downloading and using any materials from it, or participating in any of the promotional schemes published on it, means that you accept this agreement. Doing so creates a legally enforceable contract and constitutes your acceptance of all terms and conditions of this agreement without modification. If you are not authorised to enter into this agreement, or if you do not agree to all of its terms and conditions, do not use this website in any manner.

This Terms of Service, effective as of the date you accept the terms hereof, is entered into between you and T7 Wealth Creators Pvt Ltd, a company registered under the Companies Act, 2013, having its registered office at C5, 2nd floor, Dotspace, The Cliff3, TC No 24/1625, Market Road, Kuravankonam, Thiruvananthapuram, Keralam - 695003, India, which is also our office for correspondence and the address at which we serve you. The parties agree as follows:

Definitions

In this agreement, unless the context otherwise requires,

“TOS” means this Terms of Service agreement.

“We”, “Us” or “Our” means T7 Wealth Creators Pvt Ltd, identified with its registered office and correspondence address in the paragraph above, and includes its directors and anyone acting on its behalf.

“T7Website” means www.t7wealth.com which is wholly owned by us.

“LTC” means individual License Agreement and Terms & Condition document associated with a particular product or service offered by us through T7Website.

“you”, “your”, “yourself” or “user” means an individual who is at least 18 years of age; acting on your own behalf, or acting on behalf of an organisation you are authorised to represent and have the authority to bind, in which case you are bound by these terms too and the account is yours alone; possessing the legal right and ability to read, understand, accept and comply with TOS; who chooses to access / use or have accessed / used T7Website in any form; and having the full authority to enter in to financial transactions including making payments through Credit Card / Internet Banking / Cash Card or in general any of the available modes published on T7Website.

“Customer” means a user who has bought / subscribed to any of our product / service at least once.

“Information” means information as defined in the Information Technology Act, 2000 (21 of 2000).

“Personal Information” means information as defined in the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and includes “Personal Data” as defined below. Those Rules are separate subordinate legislation, notified by the Government of India and still in force today, and they remain in force for us until the Act’s own provisions replace them. Where they impose a stricter duty than anything else in this agreement, that stricter duty applies.

“Personal Data” means data about an individual who is identifiable by or in relation to such data, in the sense the Digital Personal Data Protection Act, 2023 (the “DPDP Act”) gives that word.

“Data Principal” means the individual to whom the Personal Data relates, and “Data Fiduciary” means the person who alone or in conjunction with other persons determines the purpose and means of processing of Personal Data, in each case as defined in the DPDP Act.

“Processing” means a wholly or partly automated operation or set of operations performed on Personal Data, and includes collection, storage, use, sharing, disclosure and erasure.

“Consent” means the free, specific, informed, unconditional and unambiguous indication of the Data Principal’s wish to process their Personal Data, given by a clear affirmative action, as required by the DPDP Act.

“DPDP Rules” means the Digital Personal Data Protection Rules, 2025 notified by the Ministry of Electronics and Information Technology on 13 November 2025. They come into force in stages, and most of the obligations they place on us begin on 13 May 2027.

“Service Providers” means independent third party entities who provide technical resources or support to us which inturn enable us to provide some or all services requested by you.

“Distributor / Reseller” means an individual or entity appointed by us to promote and sell our products / services in return for commissions or other perks or allowances as decided by us at the time of such appointment.

“B2 B” means business relationships that involve to and fro commerce transactions such as between us and our distributors / re-sellers.

“Membership Account” or “User Account” means a personal account created on T7Website for every user who volunteers to undergo a registration process by giving their personal information.

“Member” means a user who has a membership account on T7Website.

“Referral System” means an incentive program for members of T7Website, who may be given the privilege of buying and using our products and services at a subsidized rate. Quantum of subsidy, each such member gets shall among other things depend on the number of members referred by that member who in turn go on to buy and use our products / services.

“Renewal Alert” means an alert sent via Email and / or SMS regarding your subscription period (for any of our services purchased by you) expiry.

“Marketing Alert” means an alert sent via Email and / or SMS regarding marketing / promotional offers or such informational materials like Newsletters related to our products / services. A Marketing Alert is sent only if you have opted in to marketing, and every Marketing Alert tells you how to opt out.

“Critical Alert” means an alert sent via Email and / or SMS regarding very important occurrences like modifications / alterations to any legal agreements like TOS or LTC, Changes to the mode or manner in which our services are provided to you, Scheduled T7Website maintenance work etc.

“Transactional Alert” means an alert sent via Email and / or SMS regarding an action executed by you on T7Website like creating a membership account, signing in to your membership account, purchasing a product or service subscription package etc.

“Advance Change Notification Period” means a 30 day period, starting the day, a TOS modification / alteration notice was served to you by us, through Email and / or SMS.

“Advance Termination Notification Period” means a 30 day period, starting the day, a TOS termination notice was served to you by us through Email and / or SMS, or by you to us at support@t7wealth.com.

User Representations

Any information provided by you to us, whether at the stage of registration or during anytime subsequently, shall be complete and truthful. Where a product or service is a trading tool, strategy or indicator, or where you use one in connection with live trading on a stock exchange, you are aware that you may incur temporary or permanent financial loss, because that activity is risky. Not every product we sell is a trading product: our accounting software is not, and ordinary accounting use of it carries no trading risk. A coding service may be a trading strategy or an indicator, and where the coding work is for trading, the trading risk above applies to it.

You shall do your own research and enrich yourselves with all relevant knowledge and skill to download, install and / or use, any of our product / service that you wish to use.

You shall be solely responsible for all content posted, transmitted, uploaded or otherwise made available on T7Website by you. All content posted by you shall be legally owned by or licensed to you. You keep ownership of your content. By publishing it on T7Website you grant us a royalty-free, world-wide, non-exclusive licence to host, copy, reproduce, display, transmit and adapt it, and to publish it as part of the service, for as long as it is on the site. We do not take ownership of it and we do not treat it as ours. That licence is for the service: it is not a licence to market with your content. We do not publish your content in our marketing materials without asking you first, and where we would like to publish something you wrote as a testimonial or a case study we will show you how it will appear and get your permission. A support request, a complaint, a financial record, private code you have sent us, and anything else you give us in confidence stays confidential and does not become marketing material.

You keep the rights you have in the material you supply to us, and so do we and our suppliers in the material each of us brought. Incorporating your material into something we build does not by itself make the whole of it yours or ours. Ownership and the licences for a commissioned deliverable are whatever the product or project terms agreed with you before you purchased say they are, and those are the terms you were shown. You shall also allow us to use all communication or feedback provided by you. What you give us in confidence stays confidential: we will not publish a support request, a complaint, anything containing your personal data, or any code you have sent us, without your permission. Where we would like to publish something you wrote as a testimonial or a case study, we will ask you first and show you how it will appear.

Where we have sold you a product or service and you cannot use it, that is not your problem alone. If your account is pending validation, suspended, or you cannot reach what you paid for, tell us and we will either restore your access or refund you. We may suspend or restrict an account where we reasonably believe it is being used fraudulently or is causing harm to us or to another member, and we will tell you which reason applies.

You shall allow us to send you Transactional Alerts and Critical Alerts by Email and / or SMS, because they concern your account, your security and the service you have bought. We send no Marketing Alerts at all. There are no alert preferences in your account, and there is no screen on this site where you choose which alerts you receive. Renewal Alerts reach you by e-mail before a subscription expires. If you want fewer alerts, or want to stop a category entirely, or want to reject or withdraw from this agreement, e-mail support@t7wealth.com and we will act on it. Asking us to stop marketing, or to stop all optional alerts, does not stop the Transactional and Critical Alerts that keep the service working, and it does not stop us telling you about a change to TOS or to the Privacy Policy.

Service communications and marketing are different, and you control them separately. A service communication is about something we are doing for you or that you need in order to use what you have bought: sign-in links, receipts, invoices, a change to your subscription, a security notice, or a response to a message you sent us. We send those by Email or SMS to the contact details on your account, because the service does not work without them, and you cannot switch them off. A marketing or promotional communication is an offer, a newsletter or a message promoting something for sale. We send none of those, because we have nowhere to record a marketing preference and so have nowhere to record an opt-out either. We will not begin sending marketing until we have somewhere to record your opt-in and have asked you for it, and when we do we will say so in our Privacy Policy and tell you how to opt out in every message. An opt-out will never be treated as affecting the service communications above. Anything you want us to change about how we reach you, including a request that we stop a category of alert or a request to reject or withdraw from this agreement, goes to support@t7wealth.com.

Where there is a genuine operational need to reach you about T7Website or your use of it, and it is not a service communication and not marketing, we will tell you plainly why we are contacting you.

You agree that all agreements, notices, disclosures and other communications that we provide to you electronically on T7Website satisfy any legal requirement that such communications be in writing.

By viewing or using T7Website or availing of any service, you may encounter content hosted on a third party site that you find offensive, objectionable or indecent. Where you bring such content to our notice, we will take a view on it and tell you what we have decided.

You should read these terms before you agree to them, and if you want to take your own advice on them before you do, that is entirely your decision and it is not a condition of using T7Website.

User Account Creation, Validation & Operation

To use any of our product and most of our services, you will need to undergo a registration process and take a membership with T7Website. During the registration process, you will be required to give us your name, Email address and mobile number, and you may be required to give further personal information for your user account verification / validation. You do not choose a login name and you do not set a password. You sign in with a single-use link sent to your Email address, and you may instead register a passkey, which is a credential your device holds and we never see. Any information provided by you to us shall be complete and true to the best of your knowledge and you shall update this information and keep it current. We ask you to keep the contact details on your account working, and to give us reasonable cooperation when we need to reach you: a phone number you answer, an e-mail address you read, and a postal address where you currently live. We do not require you to be reachable at any hour of any day, and we do not require you to check your e-mail on any particular schedule. We are not obliged to cross check or verify information provided by you and we shall not take any responsibility for any outcome or consequence as a result of you providing incorrect information or concealing any relevant information from us. You acknowledge that we may, at any time, attempt to verify the correctness of the information provided by you and in the process may require additional documentary proof from you. These attempts may be made via phone calls or Emails. If we cannot reach you, we will try again through the channels on your account. We do not promise you a fixed number of attempts, because we do not operate a fixed calling or messaging schedule. If contact cannot be established at all, or if any documentary proof asked for is not submitted, we reserve the right to temporarily or permanently suspend your membership in T7Website.

You understand that it is your responsibility to protect the information you provide on T7Website including but not limited to your Email address, Contact Details and Mobile number and other personal information if any, and to keep your sign-in link and your passkey to yourself. We may ask you for the ordinary identifiers on your account, and for such further information as we need to identify a request or to satisfy ourselves that the request is genuine, whenever we need to act on it. We never ask you for a password, a one-time password, a sign-in link, a passkey secret or an API secret, and no message that asks for one is from us. Your e-mail address, your mobile number, your member reference and a complaint reference are identifiers and not authentication secrets, and we may ask you for them. At no other time should you provide your sign-in link or your passkey to any user logged in on T7Website or elsewhere. You shall also not share your user account details and then allow any other person to enjoy the benefits provided to you as a member of T7Website like without limitation, using any of our product / service.

User Restrictions

You shall not add unauthorized components, create or use cheats, exploits, bots, hacks or any other third-party software to alter or modify any T7Website content which shall include but not limited to any files that are part of T7Website or use any third-party software that intercepts, mines or otherwise collects information from or through T7Website or through any services. You shall also not host, intercept, emulate or redirect proprietary communication protocols, if any, used by T7Website regardless of the method used, including protocol emulation, reverse engineering etc. Any such attempt that you do on your own or with external assistance is strictly prohibited.

You shall not upload, distribute or publish through T7Website, any content which may contain viruses or computer contaminants (as defined in the Information Technology Act, 2000) or such other laws in force in India at the relevant time which may interrupt, destroy, limit the functionality or disrupt any software, hardware or other equipment belonging to us or that aids in providing services offered by us. You shall not disseminate or upload programs or software whether it is harmful to T7Website or not. Additionally, you shall not impersonate another person or user, attempt to get a sign-in link, passkey, or other user account information, or other private information from a user, or harvest Email addresses or other information.

You shall not post any material or comment, on any media available for public access, which is unlawful, or which is defamatory of, or infringes the rights of, any other person, notwithstanding the fact that such media is not owned or controlled by us. Where content we control or moderate breaches that, we may remove it and may restrict your access to the media we control or moderate. Criticising us, T7 Wealth, our products or our services is not a breach of this clause. A negative review, a complaint, or an honest statement about our products is not a ground for removing your content or for restricting your access, and none of the clauses of this agreement may be read as a bar on either.

You shall not create any links to T7Website from another website or document without our prior written consent, unless the link created is in sync with Section T7Website Access License of this TOS.

You shall not under any condition send SPAM Emails or any other form of unsolicited communication for obtaining registrations or membership in T7Website to benefit from any of our promotional programs or for any other purpose.

Your registration on T7Website is restricted to a single user account which will be used by you to avail for yourselves the services provided on T7Website. You are prohibited from creating or operating multiple membership accounts in T7Website.

You shall not access or attempt to access any service provided by T7Website through someone else’s user account.

You shall not use or attempt to use any other person’s credit card(s), debit cards, net-banking usernames, passwords, authorization codes, prepaid cash cards, mobile phones etc for completing financial transactions originating against a purchase request made by you in T7Website, unless you are expressly authorised to use that instrument and the purchase is for the organisation you are authorised to represent.

You shall not purchase, sell, trade, rent, lease, license, grant a security interest in, or transfer your user account, content, referral / discount points or any other attributes appearing in, originating from or associated with T7Website.

You shall use any product or service provided to you through T7Website for your own use or, where you are authorised to represent an organisation, for that organisation’s legitimate business use, and shall not resell, sub-license, share or redistribute it, and shall not make it available to others to use on your account. Commercial use means use for a business: buying Books for a company you run, or a coding service for a firm you work for or represent, is legitimate use and is not a breach of this clause, and the restriction that remains is on sharing and on reselling rather than on the fact that the use is commercial. The restrictions that remain are the ones that come with the licence itself: no reselling, sub-licensing or redistribution, no sharing an account, and no letting anyone else use your access. Where you are buying for an organisation you are authorised to represent, running the product on that organisation’s own computers and networks is part of your own use and is not a breach of this clause.

You shall not upload, distribute, transmit, publish or post content through or on T7Website or through any service or facility including any messaging facility or social plugins provided by T7Website which

is libellous, defamatory, obscene, intimidating, invasive of privacy, abusive, illegal, harassing;

contains expressions of hatred, hurting religious sentiments, racial discrimination or pornography;

is otherwise objectionable or undesirable (whether or not unlawful), unless what is objectionable about it is that it is critical of us, our products or our services;

would constitute incitement to commit a criminal offence;

violate the rights of any person;

is aimed at soliciting donations or other form of help;

violates the intellectual property of any person;

promotes a competing service or product; or

violate any law.

If we notice and determine that the name you have given us is indecent, objectionable, offensive or otherwise undesirable, an Email notification about the same shall be sent to you and you shall promptly provide an alternate name to replace it. If you fail to provide an alternate name, we reserve the right to either temporarily / permanently suspend your user account and restore your user account only after a different acceptable name has been provided by you.

You shall not frame T7Website. You may not impose editorial comments, commercial material or any information on T7Website; remove, obliterate or obstruct any proprietary notices or labels.

Privacy

Information collected from you is managed as per our Privacy Policy, which was last modified on 21 October 2026 and which is published as the notice the DPDP Act requires. Before and while using T7Website or any product / service made available to you through T7Website, you agree to accept this privacy policy. Refusing to accept the Privacy Policy, or withdrawing your consent to processing you have not agreed to, does not take away your access to the public pages of this site, to the policies themselves, or the route for a complaint. What it can affect is the services that depend on the processing you have refused, and nothing else.

Data Protection (DPDP Act, 2023 and DPDP Rules, 2025)

We are the Data Fiduciary in respect of the Personal Data you provide to us, and you are the Data Principal. We process Personal Data in accordance with the DPDP Act. This section summarises how. The detail is in our Privacy Policy, which prevails on any question of privacy or data protection. Note on commencement: most of what follows is not a duty that binds us today, and we say so rather than let you read it as one. Those commitments become enforceable on 13 May 2027. The law that binds us today is the Information Technology Act, 2000 with its rules, and the Consumer Protection Act, 2019 with the Consumer Protection (E-Commerce) Rules, 2020. Where either imposes a stricter duty than something written below, that stricter duty applies.

Notice and Consent. Before or at the time of collecting your Personal Data we give you a notice in clear and plain language that itemises the Personal Data being collected and the specific purpose of processing it, with links to the means of withdrawing consent and exercising your rights. Your Consent is obtained by a clear affirmative action and is free, specific, informed, unconditional and unambiguous. You may withdraw your Consent at any time by writing to the Grievance Officer named in the Privacy Policy; withdrawal is as easy as giving consent, and on withdrawal we stop processing and erase the affected Personal Data unless we are required or authorised by law to retain it. Withdrawing consent may mean you can no longer use a product or service that depends on the withdrawn data.

Your Rights. Subject to the DPDP Act, once its relevant provisions are in force, you will have the right to access a summary of the Personal Data we process about you and the identity of any other Data Fiduciary or Data Processor with whom it has been shared; to request correction, completion and updating of your Personal Data; to request erasure of your Personal Data where it is no longer necessary for the purpose for which it was collected, where you withdraw consent or where erasure is required by law; to have your grievance redressed; and to nominate one or more individuals to exercise your rights in the event of your death or incapacity. The Act’s provisions come into force in stages, so these are not all rights you can enforce today; we are stating what we will honour, and the detail is in our Privacy Policy. To exercise any right now, write to the Grievance Officer named in the Privacy Policy. Whatever the position under the DPDP Act, we acknowledge a complaint within forty-eight (48) hours and redress it within one month of receipt, and that is required of us today.

Retention, Security and Breach. We retain Personal Data only for as long as the purpose for which it was collected is being served, or as required by law. We retain system and processing logs and associated traffic data for one year from the date of the processing, and erase them after that, unless the law requires us to keep them for longer. We implement reasonable security safeguards, and Section 8 of the Privacy Policy sets out what they are. The one-year figure for logs, and the breach-reporting duty below, become enforceable on 13 May 2027. On becoming aware of a Personal Data breach we intimate the affected Data Principals without delay, and we report the breach to the Data Protection Board of India in the way the Privacy Policy sets out, from 13 May 2027. The seventy-two hours runs from awareness to the detailed report, not to our first notification of the Board.

Children. Our products and services are for people who are at least 18 years of age, and every account holder has to be at least 18, so we do not knowingly process the Personal Data of a child (a person below 18 years) at all, and there is no route by which a parent or guardian may consent to a child’s account. If you believe we have collected a child’s Personal Data, write to the Grievance Officer named in the Privacy Policy and we will erase it. We do not track, behaviourally monitor or direct targeted advertising at children.

Cross-border transfers. Personal Data may be transferred outside India only where the recipient gives your data the same level of protection we give it, and the transfer is necessary for the performance of the contract between us, or you have consented to it. That is the standard the law sets for us today. Once the DPDP Act’s provisions come into force, transfers will be as that Act permits, and we will comply with any order the Central Government makes restricting a particular country or territory.

Complaints. If you have a grievance about the processing of your Personal Data, contact the Grievance Officer named in the Privacy Policy. If you are not satisfied with our response, you may complain to the Data Protection Board of India from 13 May 2027, and the Board’s orders may be appealed to the Telecom Disputes Settlement and Appellate Tribunal from the same date. Neither is available to you today, and the Privacy Policy explains what is and is not in force and what routes you have in the meantime. Nothing here takes away your right to complain to a consumer commission or any other competent authority today.

Product / Service Ownership & License

All products & services provided to you through T7Website is owned by us and not by T7Website and T7Website is just an online medium to efficiently interface with you and serve you, except where the product or project terms agreed with you before you purchased allocate ownership of a deliverable differently. Your access to each product / service provided through T7Website shall be permitted only if you accept and agree to comply with both TOS and corresponding LTC. Where you breach the TOS or the LTC, we may end your access to T7Website, in part or in whole, and we do that in accordance with the provisions below: the Advance Termination Notification Period, the right to ask us to review the decision, and the Term & Termination section, including the refund of any part of a prepaid period you have not used where the termination is ours and there is no fault on your part. Rejecting modified terms is not a breach. It is dealt with under Modifications & Alterations, and the Advance Change Notification Period and the refund provisions of Term & Termination apply to it in the same way. Nothing in this clause is a limit on a refund for something we have not delivered, on the rights set out in the Refund & Cancellation Policy, which are the same whether or not you have violated these terms, or on any remedy you have under the Consumer Protection Act, 2019 or the Digital Personal Data Protection Act, 2023.

Order Placement, Modification, Cancellation and Refunds

You shall review the description, the specifications and any trial available for the product / service you are ordering, and satisfy yourself that it is suitable for your applications. Doing so does not transfer responsibility for a defect to you, and it is not a waiver of any remedy you have if the product / service is defective, deficient, not as described or not as advertised.

You shall agree and accept the LTC (shown to you as a webpage by T7Website before you proceed to place order) before placing order for the corresponding product / service.

All orders shall be placed online through T7Website. Having placed an order, you have ensured that all the information provided to T7Website and / or our Service Providers in conjunction with your order is true, accurate and current. Also you are the recipient of the product / service being ordered, or, where you are buying for an organisation you are authorised to represent, you are buying for that organisation and the product / service is made available to it.

All payment transactions arising against placed orders are processed by third party payment gateway service provider Razorpay Software Private Limited or any other such third party payment gateway service provider selected by us for the purpose. A gateway can decline a transaction, or be slow or unavailable, and that is not something we control. It is not a limit on what we owe you: if we have taken your money and we do not deliver what you paid for, we refund you, as set out in the paragraphs below and in the Refund & Cancellation Policy.

Payment and fulfilment are two different things. A payment is confirmed when the money has reached us and the gateway has told us so. An order is fulfilled when we have made the product or service available to you, or have sent it to you. A confirmed payment is not a fulfilled order, and we do not treat it as one. If a product or service turns out not to match how we described it, is not of the characteristics or features we advertised or agreed with you, is deficient, or is delivered late beyond the time we promised, you may return, withdraw from or cancel it and have your payment refunded, and we will not refuse. The law requires us to accept that, and we do. The late-delivery exception applies only where the delay was caused by force majeure. It is not a general excuse for a product that is defective, deficient or not as described. Where you simply change your mind about a product that is as described, we are free to decline a change-of-mind cancellation, and we will tell you before you buy whether that applies to what you are buying.

You are free to dispute a payment. Where a payment is wrong, or is for something we have not delivered, you may raise it with the gateway, and you may ask us for a refund, and neither is a breach of this agreement. If we do not receive complete payment for an order that you have received and are not disputing, we shall have recourse to seek payment in any manner we see fit, subject to the laws of the jurisdiction where you reside, and you agree to pay, in addition to the total value of your order, any reasonable cost of collection required to obtain payment for your order by us or our agents or representatives. That recovery right does not extend to a payment you are disputing in good faith, and it does not affect any chargeback option available to you under applicable law or under the payment provider’s and card network’s procedures.

We may cancel any placed order or corresponding transaction, whether completed successfully or not. We may do this for our own reasons, but we cannot use this clause to avoid a refund you are entitled to under these Terms. Where we cancel a subscription period you have already paid for, the unused part of that period is refunded to you as an entitlement, on the same terms as any other refund we make. Where an order has not been fulfilled at all, the payment is reversed and the whole of the money is credited back to your original payment instrument; where a service has been partly supplied, the part you have used stays with you and the unused part of the period is refunded. The credit is initiated within 10 days, which is the same single promise we make on every refund: once a refund is approved, we initiate it within 10 days of the approval, and a cancellation by us is that approval. That is the period within which we initiate the credit. How long your bank or card issuer then takes to show the money is outside our control, and we will tell you the date we sent the credit and the reference, so you can chase it if it does not arrive.

All products and services shall be delivered online, by making them available in your user account in T7Website and / or by Email. You shall ensure that you have sufficient expertise to reach them using the links provided to you. We will take reasonable steps to make sure you can actually reach what you have paid for. If you cannot reach it, tell us and we will either restore your access or refund you. Your inability to reach a product is not by itself a reason for us to refuse you a refund.

By placing an order through T7Website, you permit us to communicate with you through electronic media such as Email or SMS for the purpose of fulfilling and subsequently servicing your order. Electronic communication is not infallible, and if because of such errors in electronic communication your orders are not fulfilled or serviced, we will resend the content of the communication to you. Where your order is not delivered, that is itself sufficient grounds for you to cancel it or to dispute the charge, and you do not have to use the resend route first. The resend route is not a limit on what we owe you for an order we did not deliver. If your order has not arrived within three days of telling us, we will either send a replacement at no further charge to you, or refund you, whichever you prefer. A replacement for something that was not delivered is not a second purchase, and you are not asked to pay for it again.

In the event that your order is found to have been undelivered due to an error in the information provided by you to us for the purpose of delivering your order, correcting the address, re-sending a link we already hold, or otherwise putting right a delivery that failed through our own fault is part of the support you have paid for, and we do not charge for it however long it takes. We supply digital products and services only, so there are no packaging, physical media or shipping costs to recover. Where putting it right means genuinely new custom work rather than re-sending something we already have, we explain what it is and agree the charge with you before we begin it. Correcting our own defective work, or work we have not delivered, is not separately chargeable merely because putting it right takes new coding or a lot of effort: that is our work to put right.

Promotional Programs

We may initiate and run a Referral System, to encourage you in bringing new customers on an ongoing basis. This program shall be run as per the Refer & Earn terms, which you shall accept and abide by, if you want to be part of and reap benefits from our Referral System. We shall have the right to deny you participation in our Referral System, if you do not accept the said Terms and Conditions. We shall also have the right of terminating your participation in our Referral System, any time we detect a violation of the said Terms and Conditions (after a previous acceptance of said Terms and Conditions), with or without granting you the rights to enjoy the unused benefits accrued until the day of such termination.

We may declare discounts or other incentives from time to time to reward your loyalty or to bring more customers, and all such offers shall be governed by the terms and conditions communicated to you at the time of initiating such offers.

We may discontinue or alter any of our promotional programs including but not limited to the above mentioned Referral System or Loyalty Rewards at our will without any liability towards you in any manner whatsoever.

External Links

T7Website may have explicit links to third party websites / servers to enhance and enrich your experience while using it.

Informational links are provided solely as pointers to information on topics that may be useful to you in terms of improving your understanding of our products / services or any associated third party products / services, or in general any specific content in which such links are embedded. There may be links that take you directly to a third party website, or there may be links that show you content directly in T7Website (by establishing a connection to a third party server through a back end operation), like the video links that connect to the YouTube server.

Social networking links point to our own accounts on those platforms, which you can use to follow us and share your views about and experience with us. We do not operate social plugin buttons or share widgets on T7Website, so visiting a page here does not by itself disclose that page to any social networking platform.

We do not endorse any of the third party website(s) even though links to such websites may be present in T7Website. Also we shall not be responsible or liable for the content or practices of such website(s).

Trademarks & Copyright

All content included on T7Website, such as text, graphics, logos, button icons, images, service names, audio clips, video clips, digital downloads, data compilations, scripts, page headers, software and trade dress, belong exclusively to us or our content suppliers / corporate partners / technology / service providers, and may be protected by copyrights, trademarks and other intellectual property laws. You agree not to copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by Email or other electronic means directly or indirectly and you agree not to assist any other person to do so.

Without our prior written consent, modification of any or all content included on T7Website, use of such content on any other website, or use of such content for any purpose other than personal, non-commercial use, is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited. Any use for which you receive any remuneration, whether in money or otherwise, is a commercial use for the purposes of this clause. This clause is about the material we publish on this site, and it is not about how you use a product or service you have bought. That is governed by the licence for the product, and that licence permits business use, and permits the product to run on the computers and networks of the organisation you are authorised to represent.

Copyright Compliant

We respect the intellectual property of others. In case you feel that your work has been copied in a way that constitutes an infringement of your copyright, you can send a written communication to support@t7wealth.com which contains

An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;

A description of the copyrighted work that you claim has been infringed upon;

A description of where the material that you claim is infringing is located on T7Website;

Your address, telephone number, and Email address;

A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;

A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

If you knowingly misrepresent that the content on T7Website has infringed on your intellectual property rights, then you agree to our right to recover any cost incurred by us or by any other copyright owner or his licensee while processing your compliant that includes without limitation court costs and attorney fees.

Geographical Concerns / Restrictions

Our products and services are offered in India, and that is stated before you buy: the eligibility for each product is set out in its LTC, which we show you as a webpage before you place an order, and the prices and plans published on this site are for customers in India. We make no representation that any content on T7Website that includes without limitation products / services published and distributed through T7Website are appropriate or available for use in locations / countries other than India. If you choose to access T7Website from other locations / countries other than India you agree that you do so on your own initiative and we are not responsible for any consequences at your end that may arise because of such access including without limitation legal compliance issues etc.

Without prejudice to the generality of the foregoing, some LTC agreements may impose geographic restrictions on access / use of corresponding products / services and you shall not under any circumstance place orders or access / use those products / services outside the specified geographical zones in the LTC. We may take any action that we may deem fit if we find a violation of such LTC specific geographic restriction, including without limitation denial of service and suspension or termination of your user account. A geographic restriction limits where a product may be used; it is not a forfeiture of what you have already paid for, and it does not remove a refund or a remedy that remains due. Where we decline service or end an account under this clause and you have paid for a period that has not run out, the part of that period you have not used is refunded on the same terms as any other refund, and where we have taken your money for something we have not delivered, that is dealt with under the Refund & Cancellation Policy.

T7Website Access License

We grant you a limited, revocable, and nonexclusive license

to access and make personal use of T7Website; and

to create a hyperlink to T7Website’s home page as long as the link does not portray us (in our sole discretion) or our products / services or our distributors or our service providers in a false, misleading, derogatory, or otherwise offensive manner.

We do not grant you any right to use T7Website in any other manner, that includes without limitation

downloading (other than page caching), modifying, reproducing, copying, duplicating T7Website or any portion of it;

any collection and use of any product listings, descriptions, or prices;

any derivative use of T7Website or its contents;

any downloading or copying of account information for the benefit of another merchant;

any use of data mining, robots, or similar data gathering and extraction tools;

framing or utilizing framing techniques to enclose any of our trademark, logo, or other proprietary information (including images, text, page layout, or form);

using meta tags or any other “hidden text” utilizing our name or trademarks;

using any of our logo or other proprietary graphic or trademark as part of a link; or any sale, resale, visit or other modes of exploitation of T7Website, in part of whole, for commercial purposes;

Support

Support shall be provided only as per our Support Policy. Support on your account, your subscription, a product or service we have given you and its defects is included in what you have paid for, and we do not charge for it however long it takes. Separately scoped custom work, such as a build written for you, an integration or training, is quoted before we start it, and we do not begin it without your agreement to the charge. Buying support is never a condition of a complaint being heard, or of a refund or other remedy we owe you being paid.

Disclaimer, Indemnity & Limitation of Liability

In addition to any specific references to Disclaimers, Indemnity and / or Limitation of Liability in TOS or any other agreement between you and us, we propose the following clauses of Disclaimer, Indemnity and Limitation of Liability.

Trading in stock exchanges is a risky activity. We provide educational content, tools and services connected to trading, and we may describe the subject matter those tools cover. We do not promise, and nothing on T7Website should be read as a promise, that any particular result, income or return will be achieved. Past performance is not a guide to future performance. Responsibility for any of your actions in stock exchanges, and any consequences arising from those actions, which shall include but not be limited to buying and selling of financial instruments, is completely yours, and we disclaim liability to you for any loss or damage including without limitation, financial loss or other direct, indirect, consequential or incidental damages or loss arising to you, out of such actions undertaken by you.

All content present on or otherwise made available to you through T7Website, which shall include but not limited to text, images, files, video clips, products, services etc, are provided on an “as is” and “as available” basis without any representation or warranties, express or implied except otherwise specified in writing, about the completeness, accuracy, reliability, suitability or availability of the content on T7Website for any purpose. Any reliance you place on such content is therefore strictly at your own risk. We disclaim liability to you for any loss or damage including without limitation financial loss or other direct, indirect or consequential loss or damage, arising to you, from or in connection with the use of any T7Website content. This is a statement about the material we publish, and it does not extend to the product or service you have paid for: where what we sold you is defective, deficient, not as described or not as advertised, or was delivered late, the Refund & Cancellation Policy applies to it, and that is not excluded here.

We don’t warrant that any content, which shall include but not limited to text, images, files, video clips, products, services included on or otherwise made available to you through T7Website; its servers; or electronic communication sent from T7Website are free of viruses or other harmful components. We disclaim liability to you for any loss or damage including without limitation financial loss or other direct, indirect, consequential or incidental damages or loss arising to you out of the presence of such viruses or other harmful components. Where a harmful component reached you through our own systems and our own safeguards did not keep it out, that is our responsibility, and this clause does not transfer it to you.

Every effort is made to keep T7Website up and running smoothly. However, we don’t warrant that T7Website or any of the products / services made available to you through T7Website will be constantly available, and we disclaim any liability to you for loss arising from unavailability caused by an event outside our control, including but not limited to computer viruses or other contaminants, terrorism, war, natural disasters, civil disturbances etc. This does not apply to an order we have taken money for and not delivered. Where we have not delivered, we either deliver it or refund you, and where we offer a replacement, which of the two it is to be is your choice.

We disclaim liability to you for any loss or damage including without limitation, financial or other direct, indirect or consequential loss or damage, arising to you, from a change in mode of operation (including but not limited to disabling of features or functionality advertised earlier while you made your purchase) of our products / services due to any reason that includes without limitation technical or legal issues. Where a feature is disabled and the product is no longer delivered as it was described, we will either restore it, deliver you something that meets the description, or refund you.

We disclaim liability for any loss or damage including without limitation, financial loss or other direct, indirect, consequential or incidental damages or loss arising to you, because of failure of any mode of electronic communication (including but not limited to Email and SMS) that we may rely on to communicate with you or that you may rely on to communicate with us. There are no alert preferences in your account, so no preference of yours can be the reason an alert does not reach you. A communication failure that means we have taken your money and not delivered is not within this clause: we refund that, and the refund is not a loss arising from a failed message.

We disclaim liability for any loss or damage including without limitation, financial loss or other direct, indirect or consequential loss or damage arising to you because of disruption / denial of any of your payment transactions initiated from T7Website due to any reason whatsoever, which shall include but not limited to, lack of authorization for any transaction(s), exceeding of the preset limit mutually agreed by you and between your “Bank(s)”, any payment issues arising out of the transaction etc. A payment we have taken and not delivered is not within this clause. We refund that, and the refund is not a loss arising from a disrupted transaction.

We choose providers to run parts of the service for us, and that does not move our own obligations. Using a hosting, mail, payment or other service provider does not remove any duty of ours, whether about security, the processing of your Personal Data, delivering what you have paid for, or refunding you. We are not responsible for a provider’s acts or omissions in matters outside those obligations, nor for the failure of internet services generally. Where a provider’s act or omission affects your data, what applies is the duty that provider owed you and us and the circumstances of the case, and this paragraph does not decide it by counting whose act it was. Where a provider’s failure means we have taken your money and not delivered, we refund you.

We disclaim any liability to you for violation of your intellectual property with respect to third party content or user content posted on T7Website. Intellectual property rights in any content not belonging to us belong to the respective owners and any claims related to such content must be directly addressed to the respective owners.

We protect the data you give us with the security measures described in our Privacy Policy, but we cannot promise that no third party will ever obtain it. External parties may intercept traffic, or may obtain unauthorised access to T7Website, and if you do not take reasonable care of your own sign-in link and passkey, your information may be exposed. Such acts are beyond our control, so we disclaim liability for loss caused by them. This is not an excuse for a failure on our side. If we lose your Personal Data because we did not apply the safeguards we say we apply in the Privacy Policy, that is our liability and not yours, and nothing in this paragraph limits what you can claim for it.

We shall not be liable under any circumstance (including, without limitation, in contract, negligence or other tort) for any injury, loss, claim, loss of data, loss of income, loss of profit or loss of opportunity, loss of or damage to property, general damages or any direct, indirect, special, incidental, consequential, exemplary or punitive damages of any kind whatsoever arising out of or in connection with your access to, or use of, the products distributed through and Services rendered by T7Website. This does not extend to your inability to access or use what we have taken your money for and agreed to deliver, to a refund we owe you, or to the consequences of our own failure to apply the safeguards we say we apply, or to any right or remedy you have under the Consumer Protection Act, 2019 or the Digital Personal Data Protection Act, 2023. You shall indemnify us and / or Distributor(s) and / or Service Provider(s), on the terms set out in the following paragraph, against any claims in respect of any such matter.

To the extent permitted by law, and without prejudice to the generality of the foregoing, you hereby agree to indemnify, save and hold harmless and defend us and / or Distributor(s) and / or Service Provider(s), in each case to the extent of all benefits and awards, cost of litigation, disbursements and attorney fees that we may incur in connection therewith including any direct, indirect or consequential losses, and any loss of profit and loss of reputation, from any claims, actions, suits, taxes, damages, injuries, causes of action, penalties, interest, demands, expenses and/or awards

asserted or brought against it by any person in connection with infringement of their intellectual property rights by your publication of any content on T7Website;

arising out of defamatory, offensive or illegal conduct from your side or for anything that turns out to be misleading, inaccurate, defamatory, threatening, obscene or otherwise illegal originating from your side;

arising out of use, abuse or misuse of your user account or any feature of T7Website in any manner whatsoever, which includes but not limited to unauthorized access of your user account by any other person using your sign-in link or passkey;

arising out of any loss incurred in transmitting information from you to us via internet or by other connecting media;

arising out of your reliance on T7Website content as to the merits of a trade you place, which is at your own risk as described above;

arising out of your activities / transactions on third party websites accessed through links or advertisements posted in T7Website; and

arising out of your violation of TOS in any manner whatsoever.

This indemnity is limited to loss attributable to your own wrongful conduct. It does not extend to a refund we owe you, to an order we have taken your money for and not delivered, to the conduct of any other user of T7Website, or to technical failure, disconnection, interruption or unavailability of T7Website or of any service we use, and none of those is a matter for which you indemnify us.

Limitation of our liability. To the extent permitted by law, our maximum aggregate liability to you for all your claims arising under this agreement or under any product or service we supply, in all circumstances, is limited to the total amount you actually paid us under the plan or plans to which the claim relates, in the twelve (12) months immediately preceding the date the claim first arose. That is a running total of every payment you made in that window, so a plan you have paid monthly twelve times contributes twelve monthly payments. Worked examples, using the plans currently sold on T7Website:

These are examples of how the total is counted, not three separate caps, and not the amounts of any entitlement. What you can recover in damages is capped at what you paid us in that window, and you must prove your loss; a cap is not an admission that any loss is due. The cap is on damages. It does not limit a refund we owe you, and it does not limit what you are owed under the Refund & Cancellation Policy.

Nothing in this clause limits liability that cannot lawfully be limited. In particular, none of these Terms excludes or restricts our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for wilful misconduct or for deliberate default, for our obligations under the Digital Personal Data Protection Act, 2023, for any liability which cannot lawfully be excluded or restricted, or for your rights under the Consumer Protection Act, 2019. Where a clause in these Terms would exclude or restrict any of that liability, that clause does not apply to it, and this clause is read accordingly. Nothing in these Terms is intended to exclude, restrict or override any right or remedy you have under the Consumer Protection Act, 2019, and no part of these Terms asks you to waive any such right.

User Account Suspension

We will tell you why we restrict your access. We may suspend or otherwise put restrictions (to any extent we deem appropriate) on your access to T7Website or any of the products / services offered through T7Website in any of the following circumstances:

Suspected violation of TOS or other abuse of your user account;

Suspected violation of LTC of any product / service;

Suspected breach of security of your user account; or

Where a chargeback or a payment dispute has been raised on your account and we are unable to resolve it. A dispute you raise in good faith is not misconduct and is not by itself a ground for restricting your access. Where we do restrict the service the dispute is about while it is open, we will tell you which service, why, and for how long, and the restriction ends when the dispute is resolved.

We will not restrict your access on the ground that you have criticised us, posted a negative review, or complained to a consumer commission or any other authority. A review or complaint that is honest and made in good faith is not a violation of TOS, and we will not treat it as one. Where we do restrict your access, we will tell you which ground applies and when it took effect.

Our decision to effect such suspension or restriction shall take effect when we notify you, and you may ask us to review it. You may complain about it as set out in the Privacy Policy and in the Questions, Complaints & Disputes section below, and nothing in this clause takes away any right you have to approach a consumer commission or any other authority.

Breach & Consequences

In the event of breach of TOS being evidenced from our investigation or if there is reasonable belief, in our sole discretion, that your continued access to T7Website is detrimental to our interest, other users of T7Website or the general public; we may in our sole discretion take any or all of the following actions

Permanently suspend your user account on T7Website;

Demand damages for breach and take appropriate civil action to recover such damages; and/or

Initiate prosecution for violations that amount to offences in law.

Additionally, in the event of committing material breach hereof, we reserve the right to bar you from future registration on T7Website.

Where we decide to take one of those actions, we will tell you which one and why, and you may ask us to review that decision. Any action we take shall be without prejudice to our other rights and remedies available in law or equity, and without prejudice to any right or remedy you have in law.

Term & Termination

Term of TOS shall begin as of the day and time of your acceptance of TOS and shall continue in effect till it is terminated

automatically after the expiry of the Advance Change Notification period, if you rejected any modifications / alterations to TOS effected by us with in the Advance Change Notification period, provided your decision to reject the modified TOS is not withdrawn by you within that Advance Change Notification period (by sending us an Email to support@t7wealth.com, intimating us about your decision to withdraw your rejection request).

automatically after the expiry of Advance Termination Notification Period for a TOS Termination Notice send to you by us, provided our decision to terminate TOS with you is not withdrawn by us within that Advance Termination Notification Period (by sending you an Email to your registered Email ID with us, intimating you about our decision to withdraw the TOS Termination Notice served earlier).

automatically after the expiry of Advance Termination Notification Period for a TOS Termination Notice send to us by you, provided your decision to terminate TOS with us is not withdrawn by you within that Advance Termination Notification Period (by sending an Email to support@t7wealth.com intimating us about your decision to withdraw the TOS Termination Notice served earlier).

Upon termination of TOS your license rights granted under Section T7Website Access License of TOS shall stand terminated. But any other rights or obligations accrued by you or us prior to the effective date of termination of TOS shall survive the termination of TOS.

If TOS is terminated, then we reserve the right to permanently suspend your user account in T7Website and / or to deny you future access to T7Website or any of the products / services distributed through T7Website. Cancelling at the end of a period you have paid for is not a refund route, and it does not refund the part of a period you have paid for and not yet used, because you keep that period: cancelling stops the renewal and your access continues until the period you bought ends. If you want the unused part of a period refunded, that is a request under the Refund & Cancellation Policy, it is dealt with on the same terms as any other request, and you can make it whether or not you have cancelled or terminated these terms.

TERMINATION THAT IS NOT A CANCELLATION IS DIFFERENT, and we will not pretend the two are the same. Where these terms are terminated before a period you have paid for has run out, you lose the service you paid for, and so the part of that period you have not used is refunded to you. That refund is owed wherever the termination is ours and there is no fault on your part, and that includes a termination that follows your rejection of modified terms.

That refund is an entitlement and not a discretionary one. It does not depend on us agreeing to it, it is not subject to the case-by-case discretion the Refund & Cancellation Policy describes for a change of mind, and we cannot withhold it on the ground that the service was working. The difference is who ended it: a change of mind is yours, and a termination on these grounds is ours, and a prepaid period you paid for is not something we may take away without refunding what you have not used. Your access continues for the period you have paid for wherever the service actually continues, which is what a cancellation effective at the end of that period is.

What termination does not do is take away money we owe you for what we have not delivered. Where an order has been paid for and not delivered, or where the product is defective, deficient, not as described or not as advertised, or was delivered late, the right to a refund under these terms and under the Refund & Cancellation Policy survives termination, and we will process it on the same terms as any other refund. Termination ends access going forward and stops future billing, and it does not stop you taking a complaint to a consumer commission or any other authority.

Any future acceptance of a new TOS, whether through the use of T7Website in any manner described in the NOTICE above or otherwise, shall not be enough to over rule the consequences / outcome of TOS termination unless and until we in our sole discretion decide to over rule such past consequences / outcome.

Modifications & Alterations

We reserve the right to modify TOS at any point of time at our sole discretion. We shall however send you a TOS modification / alteration notice through Email and / or SMS (Only an intimation that changes were made with a link to modified TOS.) and provide you with a Advance Change Notification Period to review the changes made. A notice telling you that these terms have changed is a service communication and we will always send it to the email address on your account. It is not a marketing communication, and there are no alert preferences in your account to switch it off, so nothing you can do will stop us telling you about a change to these terms. If you have given us no email address, we will post the notice on T7Website and you should check it. A notice that we have changed these terms is not consent to the change. Where a change alters what we use your personal data for, we will ask you for your consent separately and specifically, and we will not treat your silence as consent. We will notify you of any change by Email and / or SMS, and the current version of these terms is always published on T7Website, so you do not need to keep checking the site to find out whether anything has changed. If you however want to reject the modified TOS, you are requested to send an Email to support@t7wealth.com stating the reason for such rejection. Once we receive your request, TOS shall be queued for termination.

TOS was last updated on 21 October 2026. Where any provision of TOS conflicts with the DPDP Act, or with our Privacy Policy, the DPDP Act and the Privacy Policy shall prevail to the extent of the conflict.

Entire Agreement, Governing Law and Jurisdiction

TOS (including any related consents or agreements that you provide during your visit to the T7Website) together with the LTC we delivered in connection with any product / service acquired via T7Website, constitutes the entire agreement between you and us with respect to T7Website and that product / service, and supersedes all other (prior or contemporaneous) communications and proposals, whether electronic, oral or written, between you and us regarding T7Website and / or any order you place through T7Website and / or your use of that product / service.

If any part/section/clause of TOS is determined to be invalid or unenforceable, then that invalid or unenforceable part/section/clause shall be deemed superseded by a valid, enforceable part/section/clause that most closely matches the intent of the original part/section/clause, and the remainder of TOS shall continue in effect.

TOS shall be interpreted in accordance with the laws of India.

Any dispute, controversy or claim arising out of TOS shall be subject to the exclusive jurisdiction of the civil courts of Thiruvananthapuram, Keralam, India. But this does not take away any forum the law gives you. In particular, nothing here prevents you bringing a complaint against us as a consumer under the Consumer Protection Act, 2019 before the District, State or National Consumer Disputes Redressal Commission, which are the fora the Act gives you, and we will not object to that. Where a consumer commission has or claims jurisdiction over a matter, the courts of Thiruvananthapuram do not have exclusive jurisdiction over it.

Questions, Complaints & Disputes

If you have a question / complaint / grievance, you should in the first instance write to us at support@t7wealth.com detailing the same.

If you have a complaint,

it should be notified to us as soon as possible, after circumstances arise, that cause you to have a complaint.

we handle your complaint confidentially while we look into it, and we do not disclose your name or your details to anyone except where we have to, to give you the service or to comply with a legal obligation. That is not a condition on your complaint. You are free to discuss your complaint, and to take it to a consumer commission or any other authority, and nothing in these Terms asks you not to.

we acknowledge receipt of your complaint within forty-eight (48) hours and redress it within one month of receipt, and we will tell you the outcome and the reasons for it. Where we cannot meet the one month, we will tell you before the month is up, give you the reason, and give you a date. Explaining a delay does not extend the deadline, and the one month is a commitment on us and not a target we are aiming at. If you are not satisfied, nothing in this section stops you from taking the matter further, including to the consumer commission having jurisdiction under applicable law, or to any other competent authority.