Further to the Terms of Use provided on SNM Value Educator Research Services LLP Website (www.valueeducator.com), we disclaim all liabilities and warranties with respect to payment of fees (“Fees”) that is applicable to the programs you have opted for through the SNM Value Educator Research Services LLP Website (www.valueeducator.com). Such Fee shall include but not be limited to subscription fee. Further the User agrees and understands that:

• Our research recommendations are based on the package you select. While our analysts conduct thorough research, it is ultimately your responsibility to decide whether to act on these recommendations. We are not liable for any gains or losses resulting from your actions based on our recommendations.
• We are not responsible for losses caused by market fluctuations, delays, inaccuracies, technical issues, or other unforeseen factors. Please understand that trading and investing in the stock market carry inherent risks beyond our control. No claims for losses will be entertained.
• We do not offer or commit to any guaranteed returns or profits on our recommendations. All trading and investments are subject to market risk.
• Sharing of our research reports or confidential information by employees, associates, or clients is strictly prohibited. Legal action will be taken against any violations.
• Employees and associates are not allowed to accept gifts from clients. Payments should be made only to the official account listed on our website. Do not transfer money to any personal account.
• We do not manage Demat or trading accounts on your behalf. Please do not share your credentials, such as User ID, passwords, security answers, or OTPs, with anyone. We are not liable for any claims resulting from the misuse of your credentials.
• The management reserves the right to amend terms and conditions without prior notice to clients.
• It shall be the responsibility of the User to make all necessary payments regarding the Fee, well in advance of the last date specified by the SNM Value Educator Research Services LLP Website.
• The online payment facility provided by the SNM Value Educator Research Services LLP is neither banking nor a financial service but is merely a facilitator for ease of payment (“Payment Gateway Service Provider”). The Payment Gateway Service Provider facilitates online payments, collection and remittance of money for the transactions on the SNM Value Educator Research Services LLP Website Website by using existing authorized banking infrastructure and credit card payment gateway networks. Further, by providing such payment facility through the Payment Gateway Service Provider, the SNM Value Educator Research Services LLP Website is neither acting as a trustee nor acting in a fiduciary capacity with respect to the payments made by the User against the purchase of Services on the Website. The User further understands and agrees that, all payments made by the User through the Payment Gateway Service Provider shall take a minimum of one-two (1-2) working days to be effectively processed. The User shall make the payment of the applicable Fee through the Payment Gateway Service Provider at his/her own risk. SNM Value Educator Research Services LLP Website shall not be responsible for any failure or delay in processing the Fee paid by the User through the Payment Gateway Service Provider.
• While availing any of the payment method/s available on the Website SNM Value Educator Research Services LLP Website will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to the User due to (a) Lack of authorization for any transactions; (b) Any payment issues arising out of the transaction; (c) decline of such transaction for any reason; or (d) use, or inability to use the payment page maintained by the Payment Gateway Service Provider.
• SNM Value Educator Research Services LLP Website shall not be liable for any loss or damages suffered by the User due to any failure, delay or interruption on part of the Payment Gateway Service Provider, including but not limited to, partial or total failure of any network terminal, data processing system, computer tele-transmission or telecommunications system or other circumstances which is solely in the control of the Payment Gateway Service Provider.
• For any queries or disputes, please contact us at value.educator@gmail.com.
• These Terms & Conditions are governed by Indian laws, and any disputes arising from them will be subject to the jurisdiction of Maharashtra only.