Last updated: June 23, 2026
Effective: December 18, 2025 | Jurisdiction: Bengaluru, Karnataka, India
⚠️ IMPORTANT: By using CernoQuant, you agree to binding arbitration in Bengaluru, India, waive class action rights, and acknowledge this is a professional tool—not financial advice. Read these terms carefully before proceeding.
By accessing, registering for, or using CernoQuant ("Service," "Platform," "App"), you ("User," "You") legally agree to be bound by these Terms. If you do not agree, strictly do not use the Service.
You acknowledge that the Service is a professional-grade analytical tool designed for financial journaling and data tracking. It is NOT a consumer good or entertainment product. By subscribing, you represent that you are using the Service for professional, self-directed, or business purposes. You expressly waive any status as a "consumer" under theConsumer Protection Act, 2019 (India) or similar laws in your local jurisdiction, to the fullest extent permitted by law.
We provide the tool, you provide the skill. We explicitly disclaim any guarantee of profitability, improved win rates, psychological mastery, or financial success.
We reserve the absolute, unrestricted right to modify, suspend, discontinue, or permanently terminate the Service (or any specific feature, including AI modules) at any time, for any reason, with or without notice.
You agree that the Company shall NOT be liable to you or to any third party for any modification, price change, suspension, or discontinuance of the Service.
In the event of a permanent shutdown, while we may attempt to provide reasonable notice and a window for data export, we are under no obligation to do so. It is your sole responsibility to maintain independent backups of your trading journals.
If your account remains inactive (no login) with a "Free" or "Expired" subscription status for a continuous period of one hundred and eighty (180) days, we reserve the right to permanently delete your account and all associated data (including trade logs and uploaded files) to conserve server resources. We are not liable for data lost due to inactivity. Active paid subscribers are exempt from this policy.
The Service uses Artificial Intelligence (LLMs, Neural Networks) which is probabilistic and experimental. You acknowledge that AI outputs may be:
The "Psychology," "Tilt Detection," and "Behavioral Analysis" features are mathematical pattern recognition tools ONLY. They do NOT constitute psychological counseling, therapy, or medical advice. If you are experiencing genuine mental distress, anxiety, or addiction related to trading, STOP using the Service and seek professional medical help.
⚠️ IMPORTANT: The Service is NOT intended to diagnose, treat, or respond to mental health crises. If you experience distress, suicidal thoughts, or psychological emergencies, seek professional help immediately. Contact a mental health professional, crisis hotline, or emergency services. We have no duty to intervene in personal crises.n
You agree strictly NOT to rely on AI outputs for financial or life decisions. The same data input may produce different AI outputs at different times. We do not guarantee consistency, accuracy, or completeness of AI features.
The Service does not engage in automated decision-making that produces legal or similarly significant effects. All AI outputs require human interpretation and judgment. You maintain full control over all trading and financial decisions.
The Company is a Software-as-a-Service (SaaS) provider. We are NOT registered with, regulated by, or subject to the oversight of:
Nothing in the App, including "Strategy Analysis" or "Trade Expectancy," constitutes:
Trading financial markets (Stocks, F&O, Crypto, Forex) involves a high risk of loss. You acknowledge that you are solely responsible for your trading decisions. The Service provides hindsight analysis, not foresight predictions. We are not responsible for your trading losses, even if those losses occurred while using our strategies or insights.
This Section applies to the Auto Equity Analyzer, discounted-cash-flow (DCF), comparable-company ("comps"), and any other feature that analyses, models, or estimates a value for a security, company, or instrument — including third-party public companies you do not own and have not entered as your own trades (each, a "Valuation Tool"). It applies in addition to, and does not limit, Section 4 (Regulatory & Financial Exclusion).
Every Valuation Tool output is a general, impersonal, automated computation derived from public data and assumptions. It is NOT tailored to your objectives, financial situation, risk tolerance, holdings, or needs, and must not be relied upon as if it were. It contains no recommendation, no rating, and no price target. Any "model-implied value", "fair value", "implied price", or scenario figure is a mechanical output of the stated assumptions — not an opinion on what any security is worth, a prediction of price, or a directive to buy, sell, hold, subscribe to, or trade.
No Valuation Tool output is a "research report", "research analysis", or "research recommendation" within the meaning of the SEBI (Research Analysts) Regulations, 2014, the SEBI (Investment Advisers) Regulations, 2013, the U.S. Investment Advisers Act of 1940, or any comparable law, and the Company is not registered in any such capacity with SEBI, the SEC, or any other regulator.
The Valuation Tools are designed to operate on a security or ticker you select, not on your personal circumstances. You agree not to treat any output as personalised advice, and you acknowledge that the Company does not incorporate your portfolio, positions, or personal financial circumstancesinto these outputs. Even where you supply your own figures (e.g. "bring-your-own" inputs), the output remains a generic, impersonal calculation and not advice.
Valuation Tools draw on public company filings (e.g. SEC EDGAR) and third-party market data. Such figures are auto-extracted, not independently verified, and may be delayed, incomplete, or contain errors. All outputs are provided "as is" and "as available", without warranty of any kind. You must verify every figure against the primary filings before relying on it.
Do not transact on the basis of any Valuation Tool output. You are solely responsible for your decisions and should consult a licensed, registered financial adviser in your jurisdiction before acting.
The Valuation Tools are expressly subject to Section 8 (Limitation of Liability), Section 9 (Indemnification), and Section 10 (Governing Law & Dispute Resolution), which apply to them in full.
If you sync a broker account or upload broker statements, you acknowledge that we are not responsible for:
The Service is NOT a data vault. We do not guarantee that your data will be error-free, lossless, or continuously available. Database corruption or server failures can occur.You are responsible for keeping your own copies of your trading logs.
We calculate metrics based strictly on the data you upload. If your CSV is wrong, your analytics will be wrong ("Garbage In, Garbage Out"). We do not verify your data against broker records.
You agree NOT to:
You agree not to make knowingly false, misleading, or malicious statements presented as fact about the Company, its founders, or its technology on public forums (e.g., Twitter/X, Reddit, YouTube, LinkedIn) especially regarding financial losses you incur while using the tool. Honest reviews and constructive criticism are permitted. We reserve the right toterminate accounts and pursue legal action for malicious reputational damage.
You agree that malicious, demonstrably false statements may cause irreparable harm to the Company. The Company reserves the right to seek injunctive relief and damages as permitted by law, including recovery of legal costs and expenses incurred in addressing such statements. This does not restrict honest reviews or constructive criticism.
Violation of this section allows us to terminate your account immediately without refund.
By using the Service, you represent and warrant that:
We reserve the right to immediately terminate accounts associated with sanctioned regions or individuals without refund to comply with applicable law.
Our order process is conducted by our online reseller/Merchant of Record (e.g., Lemon Squeezy, Paddle). Payment processing is subject to their terms. We do not control chargeback decisions, refund reversals, or processor-mandated actions.
NO REFUNDS. Due to the immediate digital nature of the Service (immediate access to intellectual property and server resources), ALL SALES ARE FINAL. We do not offer refunds for "change of mind," "market losses," or "dissatisfaction with features."
EU/UK Customers: By subscribing, you expressly consent to the immediate delivery of digital content and acknowledge that you thereby lose your right of withdrawal (14-day cooling-off period) under the Consumer Rights Directive (2011/83/EU) and UK Consumer Rights Act 2015.
Unauthorized or bad-faith chargebacks may be treated as abuse of service. We reserve the right to:
You agree to contact us at [email protected] to resolve disputes before initiating chargebacks.
We reserve the right to modify pricing with 30 days notice. Existing subscribers will be notified before any price changes affect their subscription.
Prices displayed may be exclusive of applicable taxes.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS SHALL BE LIMITED TO THE AMOUNT YOU PAID US IN THE LAST ONE (1) MONTH, OR $50 USD, WHICHEVER IS LOWER. This limitation appliesREGARDLESS OF THE LEGAL THEORY (contract, tort, negligence, strict liability, or any other theory).
WE ARE NEVER LIABLE FOR:
If you are in a jurisdiction that does not allow the exclusion of certain warranties (e.g., specific Consumer Protection laws), our liability shall be limited to the absolute minimum extent permitted by that law.
You agree to indemnify, defend, and hold harmless CernoQuant and its founders from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:
These Terms are governed by the laws of the Republic of India.
Any dispute shall be referred to binding arbitration in Bengaluru, India.
Subject to arbitration, you consent to the exclusive jurisdiction of the courts in Bengaluru, Karnataka. You waive any objection to this venue based on "inconvenient forum."
YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.Disputes must be resolved on an individual basis.
Attempting to organize, participate in, or solicit others for a Class Action against the Company is a material breach of these Terms, resulting in immediate account termination without refund and permanent data deletion.
If you file a claim against the Company that is dismissed as frivolous, meritless, or in bad faith, the Company reserves the right to seek recovery of reasonable legal defense costs as permitted by law. You agree not to file repetitive claims arising from the same facts after an initial claim has been resolved against you.
If you are outside India (USA, EU, UK, etc.), you voluntarily subject yourself to Indian Law and jurisdiction. Nothing in these Terms is intended to limit any non-waivable statutory rights under applicable data protection or consumer protection laws. Where such rights apply, they shall be exercised exclusively through the mechanisms described in our Privacy Policy and these Terms, to the fullest extent permitted by law.
Sections regarding Liability, Indemnification, Arbitration, Intellectual Property, and Disclaimers shall survive the termination of this agreement.
We may assign, transfer, or sell our rights and obligations under these Terms (e.g., in a merger or acquisition) without your consent. You may not assign your account to anyone else.
Any feature marked "Beta," "Lab," or "Experimental" is provided "as-is" withzero reliability guarantees.
If any part of these Terms is found unenforceable (e.g., by a judge), the rest of the Terms remain in full force ("Blue Pencil" rule).
We are not liable for any failure to perform our obligations where such failure results from any cause beyond our reasonable control, including, without limitation, mechanical, electronic, or communications failure or degradation (including "cloud" provider outages).
The Service is NOT designed for real-time trading execution, emergency decision-making, or mission-critical financial operations. You acknowledge that downtime, delays, or errors in the Service shall NOT be grounds for claims of financial loss.
These Terms shall be binding upon your heirs, executors, administrators, and successors. Your estate is precluded from bringing claims that you were barred from bringing during your lifetime.
We reserve the right to modify these Terms at any time. We will notify you of significant changes via email or through the platform. Your continued use of the Service after changes constitutes acceptance of the modified Terms.
For legal notices or support:
Email: [email protected]
Address: Bengaluru, Karnataka, India
By using CernoQuant, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.
You acknowledge this is a professional tool, not financial advice, and you accept binding arbitration in Bengaluru, India.
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