1. Eligibility
You must be at least 18 years of age to use our services. By using our platform, you confirm that you meet this requirement.

2. Educational Purpose Only
All content and courses offered by SM Tradewala are intended solely for educational and informational purposes. We do not offer any form of investment advice, stock recommendations, or financial planning services. We are not SEBI-registered investment advisers.

3. No Guarantees or Financial Outcomes
We make no guarantees regarding profit or financial returns from using our courses or strategies. Stock market trading and investing involve financial risks, and past performance is not indicative of future results.

4. User Responsibility
You are solely responsible for your actions and decisions based on the information provided in our content. You agree to consult with a qualified financial advisor before making any investment or trading decisions.

5. Intellectual Property
All materials, videos, PDFs, and other course content are the intellectual property of SM Tradewala. You may not reproduce, distribute, share, resell, or modify any content without written permission.

6. Account Usage
You agree to provide accurate information during registration.

Account access is personal and non-transferable. Sharing login credentials is strictly prohibited.

We reserve the right to suspend or terminate your account for misuse or violation of these Terms.

7. Refund Policy
Due to the digital nature of our products, we do not offer refunds once a course or product has been accessed or downloaded. Please review course details carefully before purchase.

8. Changes to Content or Pricing
We reserve the right to update course content, pricing, or platform features at any time without prior notice.

9. Limitation of Liability
SM Tradewala shall not be liable for any direct, indirect, or incidental losses or damages resulting from your use of our website or services. Use of our content is at your own risk.

10. Privacy Policy
By using our services, you agree to the collection and use of your data as outlined in our Privacy Policy. We are committed to protecting your personal information and do not sell your data to third parties.

11. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of India. Any disputes arising shall be subject to the jurisdiction of courts located in [Your City, India].