Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of vatsalgarg.com (the "Website"), operated by Vatsal Garg ("we", "us", "our"). By accessing or using the Website, you agree to be bound by these Terms, our Disclaimer & Risk Disclosure, and our Privacy Policy. If you do not agree, please do not use the Website.

1. Nature of the Website and services

The Website provides general educational and informational content about investing, markets, corporate governance, and related topics, including articles, investment theses, market views, books (sold through third-party retailers), a newsletter, and optional one-to-one educational consultations. All such content and services are for educational purposes only and do not constitute investment, financial, legal, or tax advice, or any recommendation to buy, sell, or hold any security. No adviser–client or fiduciary relationship is created.

2. Eligibility

You must be at least 18 years of age and competent to enter into a contract under the Indian Contract Act, 1872, to use the Website or request a consultation. By using the Website you represent that you meet these requirements.

3. Educational consultations

Consultations booked through the Website are educational discussions only, as described in the Disclaimer. We do not provide personalised investment advice, portfolio management, or handling of client funds or securities. Booking requests are submitted via a form and are confirmed by email; a request does not create a binding obligation until confirmed. You are solely responsible for all decisions you make.

4. Acceptable use

You agree not to: (a) use the Website for any unlawful purpose or in violation of any applicable law or regulation, including SEBI regulations; (b) attempt to gain unauthorised access to the Website or its systems; (c) scrape, data-mine, or copy content at scale; (d) submit false, misleading, or another person's information through any form; or (e) use the Website in any manner that could damage, disable, or impair it or interfere with any other party's use.

5. Intellectual property

All content on the Website — including text, articles, theses, graphics, logos, and design — is owned by or licensed to Vatsal Garg and is protected by applicable intellectual-property laws. You may view and share links to the content for personal, non-commercial use. You may not reproduce, republish, distribute, or create derivative works from the content without prior written permission. Books remain subject to the terms of the retailers through which they are sold.

6. User submissions

When you submit information through a form (contact, consultation, or newsletter), you confirm that the information is accurate and that you are authorised to provide it, and you consent to us contacting you in response. Handling of your data is described in the Privacy Policy.

7. Third-party links and services

The Website links to and relies on third-party platforms and services (including, without limitation, Amazon, Seeking Alpha, TalkMarkets, Web3Forms, Cloudflare, and the hosting provider). We are not responsible for the content, policies, or practices of any third party, and your use of those services is governed by their own terms.

8. Disclaimer of warranties

The Website and all content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including as to accuracy, completeness, fitness for a particular purpose, or non-infringement, to the maximum extent permitted by law.

9. Limitation of liability

To the maximum extent permitted by applicable law, Vatsal Garg shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary loss or damage, including any investment or trading loss, arising out of or in connection with your use of or reliance on the Website or its content.

10. Indemnification

You agree to indemnify and hold harmless Vatsal Garg from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Website, your breach of these Terms, or your violation of any law or the rights of any third party.

11. Changes to these Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised "Last updated" date, and your continued use of the Website after any change constitutes acceptance of the revised Terms.

12. Governing law and jurisdiction

These Terms are governed by and construed in accordance with the laws of India. Subject to applicable law, the courts of competent jurisdiction in India shall have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Website.

13. Contact

Questions about these Terms may be sent to connect@vatsalgarg.com.