1Acceptance of Terms

By accessing or using Sumitman Trading (the "Service") — including our website at sumitman.com, mobile application, educational content, books, webinars, or mentorship sessions — you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, do not use the Service.

These Terms apply to all visitors, users, and others who access or use the Service.

2Description of Services

Sumitman Trading provides educational content related to financial markets including, but not limited to:

• Educational books on Bitcoin trading, Gold trading, and Smart Money Concepts (SMC/ICT)
• Live and recorded webinars on trading education
• One-on-one mentorship sessions conducted via Google Meet or Zoom
• Free tools including a paper trading app and candlestick quiz game
• An institutional-grade market analysis terminal

All content is strictly educational and does not constitute financial advice, investment advice, or recommendations to buy or sell any financial instrument.

3Not Financial Advice

Sumitman Trading is an educational platform. Nothing on this website, in our books, webinars, or mentorship sessions should be construed as financial advice, investment advice, or any form of recommendation.

• Trading in cryptocurrencies, commodities, or any financial instrument carries a significant risk of loss, including total loss of capital
• Past performance shown or discussed is not indicative of future results
• Always consult a qualified financial advisor before making investment decisions
• You are solely responsible for your trading decisions

4Payments, Pricing & Refunds

Payments

All payments are processed securely via Razorpay. By making a purchase, you agree to Razorpay's terms and conditions. Prices are listed in Indian Rupees (₹) and are inclusive of applicable taxes.

Digital Products (Books)

Digital books are delivered electronically to your registered email address. Due to the nature of digital products, all book purchases are final and non-refundable once the product has been delivered.

Webinars

Webinar registrations are non-refundable after the session has taken place. If a session is cancelled by us, a full refund will be issued within 7 business days.

Mentorship Sessions

Mentorship session fees are non-refundable once a session has been scheduled and confirmed. If you need to reschedule, please contact us at least 24 hours in advance at sumitmanofficial@gmail.com.

5Intellectual Property

All content on the Service — including but not limited to text, graphics, books, videos, charts, logos, and software — is the exclusive property of Sumitman Trading and is protected by applicable intellectual property laws.

• You may not reproduce, distribute, or create derivative works without prior written permission
• Educational books purchased are for personal use only and may not be shared, resold, or redistributed
• Mentorship session recordings (if any) are confidential and must not be shared publicly

6User Conduct

By using the Service, you agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms
• Share, resell, or redistribute paid content including books, webinar recordings, or mentorship materials
• Attempt to gain unauthorised access to any part of the Service
• Use automated tools, bots, or scrapers to extract content
• Impersonate Sumitman Trading or any of its representatives
• Post or transmit harmful, offensive, or misleading content

7Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Service will be uninterrupted, error-free, or completely secure. Market data displayed on our tools may be delayed and should not be used for real trading decisions.

8Limitation of Liability

To the fullest extent permitted by applicable law, Sumitman Trading and its owner shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Trading losses resulting from use of our educational content
• Loss of data, profits, or business opportunities
• Any reliance placed on information provided through the Service

Our total liability in connection with any claim arising from these Terms shall not exceed the amount you paid to us in the 30 days prior to the claim.

9Third-Party Links & Services

The Service may contain links to third-party websites or services (such as YouTube, Instagram, Razorpay, Supabase, Binance). We are not responsible for the content, privacy practices, or availability of these external sites. Use of third-party services is subject to their respective terms.

10Termination

We reserve the right to suspend or terminate your access to the Service at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

11Governing Law & Jurisdiction

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 courts located in Bangalore, Karnataka, India.

12Changes to These Terms

We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page. Continued use of the Service after any changes constitutes your acceptance of the new Terms. We encourage you to review this page periodically.