Terms of Service

1. Acceptance of Terms

By accessing or using Stonqly at stonqly.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use the Site. Your continued use of the Site constitutes your ongoing acceptance of any updates to these Terms.

2. Description of Service

Stonqly is an independent online publication focused on stock market education, financial literacy, investment strategies, and market analysis. The Site also provides free interactive investment calculators (SIP, Lumpsum, CAGR, Goal Planner, and others) for informational purposes.

While most features are available without registration, the Site offers optional user authentication through Google OAuth for enhanced features such as personalized content preferences and saved calculator settings.

3. Not Investment Advice – SEBI Disclaimer

Stonqly is not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser, Research Analyst, or in any other regulated capacity.

All content on this Site — including articles, stock analyses, calculator outputs, price targets, technical analyses, and any other material — is provided solely for informational and educational purposes. It does not constitute investment advice, a solicitation, or a recommendation to buy, sell, or hold any security, financial instrument, or asset.

Past performance discussed on this Site is not indicative of future results. Always consult a SEBI-registered investment adviser before making any investment decisions.

4. User Authentication and Accounts

The Site offers optional user authentication through Google OAuth ("Google Sign-In"). By choosing to authenticate, you agree to the following:

• Google Terms: Your use of Google Sign-In is governed by Google's Terms of Service and Privacy Policy.
• Data Collection: We only collect the basic profile information necessary for authentication (name, email, and profile picture) as provided by Google.
• Account Security: You are responsible for maintaining the security of your Google account. Stonqly is not responsible for unauthorized access to your Google account.
• Voluntary Use: Authentication is entirely optional. You can use all core features of the Site without creating an account.
• Data Deletion: You can delete your Stonqly account data at any time by using the logout feature or contacting us at stonqly@gmail.com.

4. User Conduct

When using the Site, you agree not to:

• Scrape, crawl, or systematically download content for commercial redistribution without prior written permission.
• Use the Site in any way that violates applicable Indian or international laws, including but not limited to SEBI regulations.
• Misrepresent Stonqly content as your own original work or as licensed investment advice.
• Attempt to interfere with, disrupt, or gain unauthorised access to any part of the Site or its infrastructure.
• Use the Site to transmit any unlawful, harmful, or fraudulent material.

6. Intellectual Property

All content on this Site, including but not limited to articles, graphics, logos, calculator designs, and the Stonqly brand, is the intellectual property of Stonqly and is protected under applicable copyright and trademark laws. You may share links to our content and quote brief excerpts with attribution, but may not reproduce entire articles or substantial portions without express written permission from Stonqly.

7. Disclaimer of Warranties

The Site and all its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Stonqly does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not guarantee the accuracy, completeness, or timeliness of any financial data or analysis presented on the Site.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Stonqly, its authors, and contributors shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Site or its content. This includes, without limitation, any financial losses incurred as a result of relying on information presented on this Site.

9. Third-Party Links

The Site may contain links to third-party websites, data sources, or services (such as NSE, BSE, AMFI, or brokerage platforms). These links are provided for convenience and informational purposes only. Stonqly has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

10. Modifications to Terms

We reserve the right to update or modify these Terms at any time without prior notice. The "Last updated" date at the top of this page will reflect the most recent revision. Your continued use of the Site after any changes indicates your acceptance of the revised Terms. We encourage you to review this page periodically.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in India. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

12. Contact Us

If you have any questions about these Terms of Service, please contact us at stonqly@gmail.com.