Terms & Conditions

1. Acceptance of Terms

By accessing or using Profitma (“the Platform”), you agree to be bound by these Terms and Conditions. If you do not agree to any part of these terms, you may not use our service. These terms apply to all visitors, readers, subscribers, and participants in the Affiliate Programme.

2. Description of Service

Profitma is a digital reading platform that provides access to the Drishti Mastery Series — a collection of 8 books on trading and investing for Indian financial markets. We also provide free interactive tools (including an NSE chart simulator and an F&O loss calculator) and self-assessment quizzes for educational purposes.

Book 1 — The Honest Beginner — is completely free, including all 10 chapters, with no subscription required. The Preface of Books 2–8 is also freely accessible. Full access to all chapters of Books 2–8 requires an active subscription.

3. Subscriptions and Payment

• Subscriptions are available on two plans: Yearly — ₹499 (access for 1 year) and 3-Year — ₹999 (access for 3 years). Both plans provide identical full access to all 8 books and 80+ chapters.
• Both plans are one-time payments — you are charged once at checkout for the full access period. There is no automatic recurring charge.
• All payments are processed securely through Razorpay. By subscribing, you agree to Razorpay's terms of service.
• You may cancel your subscription at any time from your Account page. Upon cancellation:
  • Your full access continues until the end of your paid access period.
  • No further charges are made after cancellation.
• All payments are final and non-refundable. No refunds are issued under any circumstances — including unused access days, early cancellation, accidental purchases, or any other reason.
• Prices are inclusive of applicable taxes. We reserve the right to change pricing with reasonable notice.

4. User Accounts

To access the Platform, you must sign in using a valid Google account. You are responsible for maintaining the confidentiality of your account. You must provide accurate information and promptly update it if it changes.

We reserve the right to suspend or terminate accounts that violate these terms or engage in fraudulent activity.

5. Intellectual Property

All content on the Platform — including but not limited to book text, cover designs, graphics, and brand assets — is the exclusive intellectual property of Profitma and its authors. All rights reserved.

You may access content for personal, non-commercial use only. You may not reproduce, redistribute, sell, translate, modify, or create derivative works from any content on this Platform without prior written consent.

6. SEBI Compliance & Not Financial Advice

All content on Profitma — including books, chapters, interactive tools, and quizzes — is provided for educational and informational purposes only. Nothing on this Platform constitutes investment advice, a recommendation to buy or sell securities, or an offer to provide any investment-related service.

Investments in securities markets are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance of any strategy or instrument discussed is not indicative of future results.

Readers are strongly advised to consult a SEBI-registered investment adviser or a qualified financial professional before making any investment decisions. Profitma shall not be held liable for any financial loss arising directly or indirectly from reliance on content published on this Platform.

7. Affiliate Programme

Profitma operates an affiliate programme that allows registered users to earn a referral commission by sharing their unique affiliate link. Participation in the programme is subject to the following terms.

7.1 Eligibility and Enrolment

Any registered user with a Profitma account is automatically enrolled and assigned a unique referral link visible on their Account page. No application or approval is required. You do not need to be a paying subscriber to participate.

7.2 Commission

When a person visits Profitma through your referral link and completes a first-year subscription purchase within 30 days, you earn a commission of 20% of the plan price they paid — ₹100 on the yearly plan (₹499) or ₹200 on the 3-Year plan (₹999). Commission is paid on first-year subscription payments only. Renewals or subscription upgrades attributed to a referral do not generate a commission. Commission amounts and rates may be revised by Profitma at any time; any such change will not affect earnings already credited to your balance.

7.3 Referral Tracking

When someone clicks your referral link, a cookie (“profitma_ref”) is set in their browser with a 30-day expiry. If they complete a subscription within that 30-day window, the referral is attributed to you. Each subscription can be attributed to only one affiliate. If a subscriber was referred by multiple affiliates at different times, the most recent referral at the time of purchase is credited. Referral attribution cannot be transferred or disputed after the fact.

7.4 Payouts

• The minimum payout threshold is ₹200. You may request a payout once your pending balance reaches or exceeds ₹200.
• Payouts are made via UPI transfer to the UPI ID you provide at the time of the payout request.
• We process payout requests within 5–7 business days. This is a target, not a guarantee.
• You are responsible for providing an accurate and active UPI ID. Profitma is not liable for failed transfers resulting from an incorrect or inactive UPI ID provided by you.
• Earnings do not expire, but Profitma reserves the right to withhold payouts pending investigation if fraud is suspected.

7.5 Prohibited Conduct

The following are strictly prohibited and may result in immediate suspension of your affiliate account and forfeiture of any unpaid earnings:

• Self-referral — using your own referral link to subscribe or creating additional accounts for this purpose
• Incentivising others to subscribe with cash, discounts, or other inducements not offered by Profitma
• Making false or misleading claims about the Platform, the books, or any returns/outcomes
• Impersonating Profitma or implying an official endorsement beyond your role as a referrer
• Spamming — mass unsolicited messaging or bulk distribution of your referral link
• Any other activity that manipulates the referral system or violates applicable law

7.6 No Guarantee of Earnings

Participation in the affiliate programme does not guarantee any earnings. Commission is contingent on successful subscription purchases made by persons referred through your link. Profitma makes no representation as to the number of referrals you may generate or the amount you may earn.

7.7 Programme Modifications

Profitma reserves the right to modify, suspend, or terminate the affiliate programme at any time. Changes to commission rates will not affect earnings already credited to your balance. We will endeavour to give reasonable notice of material changes.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Profitma and its authors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Platform, including any trading or investment decisions made in reliance on content provided herein.

9. Prohibited Use

You agree not to:

• Share your account credentials with others
• Scrape, copy, or republish any content from the Platform
• Use the Platform for any unlawful purpose
• Attempt to bypass or interfere with any security features
• Engage in any conduct prohibited under Section 7.5 (Affiliate Prohibited Conduct)

10. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any part of the Platform at any time. We may update these Terms with reasonable notice. Continued use of the Platform after changes constitutes acceptance of the updated terms.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in India.

12. Contact

For any questions about these Terms, please contact us at profitmaapp@gmail.com.