Terms and Conditions

Welcome to StockGro!

These terms and conditions regulate your use of StockGro's Website, located at StockGro.club, and StockGro's mobile application (together, “StockGro”), and form a binding legal contract between Assetgro Fintech Limited (formerly known as Assetgro Fintech Private Limited) (the owner and operator of StockGro) and you.

By accessing StockGro, you hereby accept these Terms and Conditions, Privacy Policy and any other disclaimers or terms made available on StockGro, as may be amended from time to time. Do not continue to use StockGro if you do not agree to all of such Terms and Conditions, and Privacy Policy and disclaimers and terms on StockGro.

The following terminology applies to these Terms and Conditions and Privacy Policy, unless the context requires otherwise: “Client”, “User” “you” and “your” refers to, any person that uses, accesses, links to, or refers to StockGro or the Company. “The Company”, “ourselves”, “we”, “our” and “us”, refers to Assetgro Fintech Limited (formerly known as Assetgro Fintech Private Limited) (CIN: U74110KA2020PLC131557), “Party” or “Parties” refers to both the Client and ourselves. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, shall be taken as interchangeable. “Group Companies” includes any company which is a holding, subsidiary, fellow subsidiary, or associate of the Company.

We reserve the right to modify these Terms and Conditions, Privacy Policy and disclaimers and terms related to services we provide (“StockGro Services”) at any time by posting the same on StockGro. We may, at our sole discretion, also notify you of any change or modification in these Terms and Conditions, Privacy Policy, and other terms and disclaimers referred to herein or provided by us, by way of sending an email to your registered email address or posting notifications in your StockGro account on StockGro. You may then exercise the options provided in such an email or notification to indicate non-acceptance of the modified Terms and Conditions, Privacy Policy, and other terms and disclaimers made available by us. If such options are not exercised by you within the time frame prescribed in the email or notification, you will be deemed to have accepted the modified Terms and Conditions, Privacy Policy, and other terms and disclaimers made available by us. Certain StockGro Services being provided on StockGro may be subject to additional rules and regulations. To the extent that these Terms and Conditions are inconsistent with the additional conditions set down, the additional conditions shall prevail.

What is StockGro

StockGro is India's largest advisory and research platform for Stock Market enthusiasts..

The platform provides unique immersive experience to its users blending the best of social networking, investment, and research in multiple asset classes.

StockGro is not just a platform; it's a vibrant community of enthusiastic traders and SEBI registered research analysts. StockGro emphasizes the importance of gaining insights through community.

Our social section allows users to discuss, share experiences, ask questions, and get answers from a supportive and inclusive group of like-minded individuals. This approach nurtures a sense of belonging and makes their experience more engaging. This vibrant community allows users to connect, share, and collaborate with SEBI Registered Research Analyst and Investment Advisors, fund managers, and friends, discover and validate investment/trade ideas, analyse trackers, and navigate the complexities of the stock market with ease - all on one user-friendly platform.

StockGro also allows you to link a trading and demat account held with a stock broker registered with the Securities and Exchange Board of India, and to transmit order instructions to that broker from StockGro. StockGro is not a stock broker. StockGro does not execute, clear or settle trades, is not a member of any stock exchange or clearing corporation, and does not hold, receive or handle your funds or your securities at any time. These facilities are governed by the sections below headed Broker Account Linking and Order Routing, Order Placement and Execution, and Holdings, Positions and Sell Transactions.

StockGro Plus - Subscription Service

These Terms and Conditions (“Terms”) govern your access to and use of the StockGro Plus Subscription Service (the “Service”) provided by StockGro (“Company,” “we,” or “us”).

By subscribing to any of our monthly StockGro Plus plans - Advanced, Expert, or Stoxo Pro you (“User,” “you,” or “your”) agree to be bound by these Terms in full. If you do not agree to these Terms, please do not access or use our Service.

StockGro Plus Service: The subscription-based service that provides various investment, trading insights, and interactive tools under the StockGro brand.

Subscription Plans: Read more about the plans here.

We reserve the right to enhance, update, or modify the features associated with each StockGro Plus plan from time to time. Any changes will be communicated via our App, website notification and various messaging channels.

Payment and Billing

Fees:
The applicable subscription fee for your chosen StockGro Plus plan will be clearly displayed at the time of purchase and is charged on a monthly basis.
Payment Methods:
Payments will be processed using the payment method you provide (e.g., credit/debit card, digital wallet) through our approved payment gateways. By subscribing, you authorize us to charge your selected payment method on a monthly basis.
Billing Cycle:
Your StockGro Plus subscription begins on the date of your initial purchase and is valid for a period of 1 month unless renewed.

Cancellation

You may cancel your StockGro Plus subscription at any time through your account settings on our App and website by moving to the Basic Plan.

Cancellation will not result in a refund for fees already paid for the current billing period.

Discounts and Bonus Points

Users may receive StockGro Bonus Points (as defined below under StockGro Bonus Point Section) through various activities on our platform as part of the StockGro Bonus Points Program. These bonus points may be applied to receive discounts on the monthly subscription fees for StockGro Plus.

At the time of billing, users may opt to apply their available bonus points to reduce the subscription fee. The discount amount applied will be determined based on the current conversion rate (for example, a specified number of bonus points equating to a monetary discount) set by StockGro. This conversion rate is subject to change at StockGro's sole discretion, and any updates will be communicated via our website and/or email notifications.

Limitations and Redemption Terms:

The discount applied using bonus points may not exceed the total subscription fee for the billing cycle.
Bonus points are subject to any minimum or maximum redemption limits as defined by the Platform.
Bonus points have no cash value, are non-transferable, and once redeemed for a discount, cannot be exchanged for cash or refunded.
Any bonus points used for subscription discounts will be deducted from your bonus points balance and are not refundable.

Plan Downgrades/Upgrades

You may switch between StockGro Plus plans subject to the terms of our billing cycle. Changes to your subscription plan will take effect from the next billing cycle unless otherwise specified.

Refunds

All subscription fees are non-refundable except as required by applicable law. Should you experience any issues or believe you have been charged in error, please contact our support team for assistance.

Changes to Subscription Features and Fees

We may update the features associated with each StockGro Plus plan and adjust the applicable fees. Prior to any changes that affect billing, we will provide notice via our website and/or your registered email address.

Specific Disclaimer for Subscription Services

StockGro, through its Subscription plan inter alia provides users with access to information focused on financial and capital market products and services including but not restricted to publication of the data and recommendations provided by the SEBI registered research analyst, and investment adviser, regulated third party services with potentials to earn the fair returns and related services. It is the user's responsibility to obtain access to the platform, and that access may involve charging of fees such as subscription fees through StockGro Plus. The usage of the platform, and furnishing of one's personal / contact details, hereby qualifies as the user being interested in availing and purchasing the Service(s) that they have selected. The user hereby agrees that StockGro may contact them either electronically or through phone, or permitted mode to understand their interest in the selected products and Service(s) (like renewals, reminders etc.) and to fulfil their demand. StockGro has the right to share your details with its affiliates and partners and you may be contacted by the affiliates and partners for information and for services through email, telephone and/or SMS or socials or permitted mode. StockGro is acting as a platform provider and publishes the data, recommendation and services offered by the SEBI registered research analyst, investment adviser. Investments in securities market are subject to market risks. Read all the related documents carefully before investing. The securities quoted (if any) on platform are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provides any assurance of returns to investors.

StockGro Bonus Points / Loyalty Points

StockGro offers its users Bonus points in various forms for their regular and continuous use of the StockGro App. These StockGro Bonus points are in the form of brand loyalty points provided for performing various activities on the StockGro App such as when users invite their friends onto the platform, complete Quests, and Quizzes etc. These Bonus points are awarded purely for the regular use of the StockGro App and the StockGro App does not permit any purchase or accrual of these points in any other way. These loyalty points may be redeemed by Users to avail various offers that are run by the StockGro App for all users from time to time.

Bonus points, including those accrued or redeemed, may have an expiration period as outlined in our Bonus Points Program guidelines. Any bonus points not redeemed within the designated period will expire and may be forfeited without notice.

Cashbacks and merchandise which are issued by StockGro for redemption of such loyalty points are only for user engagement purposes. Users can avail in any promotion only by using the bonus points awarded to them by StockGro. Participation in any promotion campaign is completely voluntary. Users may choose to not participate in any promotion campaign. StockGro does not guarantee any incentives to any users.

StockGro reserves the right, at its sole discretion, to change the mode of the accrual of one or any of these types of loyalty points, including the number of such loyalty points received in proportion to the User's activities. Further, StockGro reserves the right to disqualify any User, who does not meet the offer requirements or for any other reason including but not limited to any misuse of the offer or fraud or suspicious transaction/activity or under any legal requirement or applicable rules and regulations, from receiving any loyalty points. StockGro also reserves the right to discontinue or change or issue any new form of loyalty points offered at any time, at its sole discretion. StockGro may also at its discretion specify an expiry period for such loyalty points.

StockGro Shop

On StockGro Shop, you can purchase any product listed with the StockGro Bonus amount or Indian Rupees. Once any product is purchased from StockGro Shop, they cannot be exchanged or returned. For any queries reach out to [email protected]

Usage Conditions

The Company, at its sole discretion, may remove any User from the Platform and refuse to award any benefits, if the User engages in unfair conduct, which the Company deems to be improper, unfair or otherwise adverse to the operation of StockGro or is in any way detrimental to other Users, which conduct includes, but is not limited to:

Falsifying ones' own personal information (including, but not limited to, name, email address etc and/or any other information or documentation as may be requested by StockGro to claim StockGro Bonus Points;
Engaging in any type of financial fraud or misrepresentation including unauthorised use of credit/debit instruments, payment wallet accounts etc. to claim a cashbacks. It is expressly clarified that the onus to prove otherwise shall solely lie on the User;
Colluding with any other User(s) or engaging in any type of syndicate operations;
Any violation of Platform rules or the Terms of Use, Privacy Policy, or other disclaimers or terms that we make available;
Accumulating points through un-authorized methods such as automated bots, or other automated means;
Using automated means (including but not limited to harvesting bots, robots, parser, spiders or screen scrapers) to obtain, collect or access any information on StockGro or of any User for any purpose
Tampering with the administration of the Platform or trying to in any way tamper with the computer programs or any security measure associated with StockGro;
Obtaining other Users' information without their express consent and/or knowledge and/or spamming other Users (spamming may include but shall not be limited to send unsolicited emails to Users, sending bulk emails to StockGro Users, sending unwarranted email content either to selected Users or in bulk); or
Abusing StockGro in any way including making obscene, offensive or illegal contents.
Making offensive comments on Social Media
Attempting to malign the reputation of StockGro through making derogatory comments on Social Media
Harassing any StockGro team member on any Social Media by sending them messages, mails or commenting on their posts

You shall not:

use StockGro for any purpose that is unlawful, illegal or forbidden by law;
use StockGro in any manner that harms the app or its directors, employees, affiliates, distributors, partners, service providers, and / or any other User;
remove any copyright and other proprietary notices contained in any content on StockGro;
copy, decompile, recompile, assemble, disassemble, reverse engineer, or otherwise attempt to discover any source code, sell, assign or otherwise transfer any intellectual property in StockGro;
modify, rent, lease, loan, sell, assign, distribute, grant a security interest in, or otherwise transfer any right to the technology or software underlying StockGro or StockGro Services;
participate in the transfer or sale, rent or sub-license of material from StockGro;
send communications containing unsolicited / unauthorized advertisements, promotions or marketing material;
create derivative works of material from StockGro;
redistribute, publicly perform or publicly display content from StockGro or in any way exploit any of the materials or content on StockGro either in whole or in part without express written license from StockGro;
transmit files that contain viruses, corrupted files, or any other similar software or programs that may damage or adversely affect the operation of another person's computer, StockGro, any software, hardware, or telecommunications equipment;
advertise, offer or sell any goods or services for any commercial purpose on StockGro without the express written consent of StockGro;
falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or the source of software or other material;
collect or store personal information about other Users except as permitted by applicable law;
impersonate any person or entity, including, but not limited to, an ambassador of StockGro, or falsely state or otherwise misrepresent User's affiliation with a person or entity;
forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through StockGro or to manipulate User's presence on StockGro(s);
take any action that imposes an unreasonably or disproportionately large load on our infrastructure;
disrupt, overburden, or aid or assist in the disruption or overburdening of (1) any computer or server used to offer or support StockGro or the StockGro Services; or (2) the enjoyment of StockGro Services by any other User or person.
institute, assist or become involved in any type of attack, including without limitation to distribution of a virus, denial of service, or other attempts to disrupt StockGro Services or any other person's use or enjoyment of StockGro Services.
gain unauthorized access to the User accounts, servers or networks connected to StockGro Services by any means other than the user interface provided by StockGro, including but not limited to, by circumventing or modifying, attempting to circumvent or modify, or encouraging or assisting any other person to circumvent or modify, any security, technology, device, or software that underlies or is part of StockGro Services. You agree not to use any automated means, including, without limitation, agents, robots, scripts, or spiders, to access, monitor, or copy any part of our sites;
use cheats, exploits, automation, software, bots, hacks or any unauthorized third-party software designed to modify or interfere with StockGro Services and/or StockGro experience or assist in such activity;
display or use names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights of any third party on StockGro; or,
violate applicable laws or third party rights in any manner whatsoever if such violation involves StockGro or its Users.

Without prejudice to the generality of the foregoing, any Users sharing any material or information on securities are responsible for their own legal compliance, and you hereby agree that wherever applicable, you have obtained the relevant securities law registrations, including but not limited to registration as an investment adviser, research analyst, or portfolio manager. StockGro bears no responsibility and disclaims all liability in this regard for any non-compliance by Users of applicable law.

You agree to provide true, accurate, current and complete information at the time of registration and at all other times (as required by us). You further agree to update and keep updated your registration information. You shall not register or operate more than one User account with StockGro.

If a User chooses a username that, in StockGro's considered opinion is obscene, indecent, abusive or that might subject StockGro to public disparagement or scorn, we reserve the right, without prior notice to the User, to restrict usage of such names, which in our opinion fall within any of the said categories and/or change such username and intimate the User or delete such username and posts from StockGro, deny such User access to StockGro, or any combination of these options.

Any password issued by StockGro to a User may not be revealed to anyone else. Users may not use anyone else's password. Users are responsible for maintaining the confidentiality of their accounts and passwords. Users agree to immediately notify StockGro of any unauthorized use of their passwords or accounts or any other breach of security. Users agree to exit/log-out of their accounts at the end of each session. StockGro shall not be responsible for any loss or damage that may result to the User if the User fails to comply with these requirements or otherwise loses control of their StockGro account.

Your profile is fully visible to all the users. We may offer chat features, messaging in groups, creation of posts, and other means of social interaction to enable communication between Users. Our role is limited to providing StockGro Services. Our Services allow viewing and sharing of information including through messages, posts, likes, follows, and comments, etc. Your posts, comments, or messages will be visible to everyone. You agree that, in case your content, whether it is a post or comment or message, is shared, your personal details, such as Username, Name, Bio, Profile image and content will be public information. With respect to User content and communication between Users, our role is that of an ‘intermediary' as defined under the Information Technology Act, 2000 and the rules thereunder. Being an intermediary, we have no responsibility and / or liability in respect of any User content on the App and you are solely responsible therefor. As an ‘intermediary' under the Information Technology Act, 2000, for the purpose of content posted by Users, we do not pre-screen User content or communications between Users. We have no obligation to monitor any User content apart from our obligations as an ‘intermediary' under the said Act.

When you use StockGro, you specifically undertake not to host, display, upload, modify, publish, transmit, update or share any content that:

Belongs to another person and to which you have no right;
Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever;
Harms minors in anyway;
Infringes any patent, trademark, copyright, or other proprietary rights;
Violates any applicable laws;
Deceives or misleads the addressee about the origin of such messages or communicates any information that is grossly offensive or menacing in nature;
Impersonates another person;
Contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer resource; or
Threatens the unity, integrity, defence, security, or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation.

You hereby warrant and represent that:

You are solely responsible for content that you may upload, post, e-mail, transmit, or otherwise make available on StockGro;
You have all necessary permissions and entitlements under applicable law and from third parties to post content on our website and have all necessary licenses and consents to do so;
No part of any content you make available on StockGro infringes any intellectual property right, including without limitation copyright, patent or trademark of any third party;
You have all regulatory licenses, approvals and permissions as required by applicable law for your use of StockGro, including but not limited to any necessary licenses, approvals and permissions by the Securities and Exchange Board of India.

If we suspect any illegal, wrongful or fraudulent activity on StockGro by any User, notwithstanding any other rights we may have, we reserve the right to inform the relevant government or law enforcement authorities. We will cooperate in all investigative procedures or requests for access / information initiated by any such government or law enforcement authorities. We are not under any obligation to act on any communications, requests and suggestions from Users or the general public or to respond to any one. Our decision in this respect shall be final. Specifically, if any such request relates to a request / demand to take down/ disable/ remove/ any User content or StockGro content, we are under no legal obligation to respond to or act on such requests. We will take such action as we are required to take under applicable law. If there any valid court order or administrative order issued requiring us to take any action, then we will comply with such court order or administrative order.

In the event any User breaches, or the Company reasonably believes that such User has breached these Terms and Conditions, or has illegally or improperly used StockGro, the Company may, at its sole and absolute discretion, and without any notice to the User, restrict, suspend or terminate such User's access to all or any part of StockGro, deactivate or delete the User's account and all related information on the account, delete any content posted by the User on StockGro and further, take technical and legal steps as it deems necessary. It is clarified that in case you are found to be in violation of the aforementioned terms, StockGro reserves its right to initiate appropriate civil/criminal remedies as it may be advised, in addition to forfeiture and/or recovery of any monetary incentive if any.

At any time and for any reason, and subject to applicable law, StockGro may, at its sole and absolute discretion:

Restrict, suspend, or terminate any User's access to all or any part of StockGro or StockGro Services;
Change, suspend, or discontinue all or any part of the StockGro Services;
Reject, move, or remove any material that may be submitted by a User;
Move or remove any content that is available on StockGro;
Deactivate or delete a User's account and all related information and files on the account;
Establish general practices and limits concerning use of StockGro;
Assign its rights and liabilities to all User accounts hereunder to any entity.

Community Policies

Hate Speech

You are not allowed to promote violence against or directly attack or threaten other StockGro users on the basis of race, ethnicity, national origin, caste, sexual orientation, gender, gender identity, religious affiliation, age, disability, or serious disease. Users inciting harm towards others on the basis of these categories would be suspended.

Obscene Display Names and Hateful Imagery

You cannot use your username, display name, or profile bio to engage in abusive behavior, such as targeted harassment or expressing hate towards a person, group, or protected category. You may not use hateful images or symbols in your profile image or profile header.

Harassment and Bullying

Using abusive language, sharing others' personal or sensitive information or inciting or engaging others to do any of the same is not allowed.

Promoting Violence

Threatening or inciting violence of any kind is strictly prohibited. We don't allow individuals or groups that engage in or promote violence, or organized criminal activity to use StockGro to conduct such activities.

Engaging in Spam or Scam

You are not allowed to share messages in Social groups or to Individual users that are targeted, irrelevant, obviously unwanted, unauthorized, inappropriately commercial or promotional, or gratuitously repetitive messages or other similar content.

Do not use StockGro to capitalize or sensationalize on tragic events for commercial purposes.

Do not use our invitation feature to send promotional messages to people you don't know or to otherwise spam people.

Any user found engaging in Community policies violations will be barred from the platform and account will be suspended.

StockGro Wallet

Subscription Wallet: Balance available for in-app Subscription (e.g. payment received but subscription still inactive is reflected as balance here).

Refunds / Cashbacks Wallet: Current balance of cashbacks and discounts (available for withdrawal as per the withdrawal limits). Funds available for withdrawal in the Refunds / Cashback Wallet can only be transferred to the same source account or payment method from which the user originally deposited the money while subscribing to StockGro's services. Withdrawals to any other account, wallet, or third-party payment source are not permitted.

Bonus: Current balance of StockGro Bonus Points/ Loyalty points and discounts received (only available for in-app redemptions).

Bonus Expiry:

The bonus amount received from the 1st day of the month until the last day of the month will expire on the last day of the following month.
For example, the bonus amount accumulated from 1st Aug 2023 to 31st Aug 2023 will expire on 30th September 2023.
If you make any transaction with the StockGro Bonus Amount, it will be deducted from the amount which is due to expire first, and then it will be further deducted from the bonus amount accumulated during the ongoing month.

Market Data

Market data displayed on StockGro is delayed unless indicated otherwise, and delayed data consists of indicative and synthesised prices that do not reflect real market prices.

Live data for securities is received under a market data licence held by StockGro and is displayed subject to the terms of that licence.

Live data is available to you if you have completed your KYC with StockGro, or if you hold an active link to a broker (see section Broker Account Linking and Order Routing).

All market data is provided on an “as is” and “as available” basis. StockGro does not warrant its accuracy, completeness, sequence, timeliness, continuity or fitness for any purpose, or that it will be free from error, delay, interruption or omission.

Market data is made available for your own personal, non-commercial use only. You must not, and must not permit any person to, redistribute, retransmit, publish, broadcast, sell, licence or otherwise make the data available to any person; store, warehouse or compile it, or create any database or derivative dataset from it; use it to construct, validate or operate any index, model, algorithm, product or service; or extract it by scraping, by automated means, or through any interface other than the StockGro user interface.

All proprietary and intellectual property rights in market data vest in the relevant exchange or its licensors, and you acquire no right, title or interest in it. StockGro may at any time and without notice suspend, withdraw, degrade or restrict live market data, or revert to delayed market data, in whole or in part, including where an exchange, licensor or broker requires it.

Broker Account Linking and Order Routing

You may link a trading and demat account held with a stock broker registered with the Securities and Exchange Board of India (your “broker account”) to your StockGro account, using the application programming interface keys, access tokens and similar credentials issued to you by that broker or in respect of that account (your “access credentials”). By linking, you authorise StockGro to transmit to that broker the order instructions you initiate or authorise on StockGro, and to retrieve order, trade, position, holding, margin and funds information from that broker account for display to you.

What StockGro does, and what it does not?

StockGro operates solely as a technology interface for the transmission of order instructions that you initiate or authorise, to your broker, for execution in your broker account.

StockGro is not a stock broker. StockGro does not execute, clear or settle trades, is not a member of any stock exchange or clearing corporation, and does not carry on any activity requiring registration as a stock broker, trading member or clearing member. StockGro does not hold, receive, handle or control your funds or your securities at any time, and has no custody of your assets.

Your relationship with your broker is governed entirely by the agreement between you and that broker. That agreement continues to govern, in respect of every order instruction routed through StockGro: execution, margin, brokerage and other charges, settlement, taxes, contract notes and statements, and grievance redressal.

By linking a broker account you represent that you are authorised to access that account and to place order instructions in it. StockGro does not verify the ownership of, or your authority over, a broker account before it is linked, and relies on that representation. You are responsible for every order instruction transmitted from your StockGro account to a linked broker account, and for its consequences, whether or not that broker account is held in your name.

Charges

StockGro levies no charge on you for the transmission of order instructions. All brokerage, securities transaction tax, goods and services tax, stamp duty, exchange transaction charges, regulatory turnover fees, depository charges and any other statutory or broker-levied charge in respect of a transaction are payable by you to your broker and are collected by your broker, not by StockGro.

Subscription fees payable for StockGro Plus Subscription plans are separate from, and unrelated to, any charge levied by your broker.

Linking more than one broker account

You may link broker accounts held with more than one broker. Only one account per broker may be linked to your StockGro account.

Where you have more than one linked broker account, you are responsible for selecting the account against which each order instruction is placed, and for monitoring your aggregate exposure across all of your broker accounts. StockGro does not aggregate, net, or manage risk across broker accounts.

Static internet protocol (Static IP) address

Under the regulations applicable to brokers, they are required to map a static internet protocol (static IP) address to the application programming interface (API) access used for your broker account. StockGro issues you a Static IP address when you begin linking a broker account. You must map that address in your broker account, following the process your broker prescribes. Order instructions and link sessions may be rejected by the broker where that mapping is absent, incomplete, still pending or has lapsed, and you will need to complete or repeat it before order routing will work.

StockGro may change the static IP address issued to you, including for operational, security or infrastructure reasons. Where it changes, you must map the new address in your broker account. Until you do, order instructions and link sessions may continue to be rejected.

Access credentials and security

Access credentials shared with, or generated for, StockGro in the course of linking are stored on StockGro systems in encrypted form, are held separately from information that identifies you, and are not accessible to StockGro personnel in plain text. They are used only to transmit order instructions you have initiated or authorised and to retrieve the information described above for display to you. They are not used for any other purpose and are not disclosed to any third party other than your broker, save as required by applicable law.

StockGro does not ask for, and you must not provide, your broker login password, personal identification number, one-time password, TPIN, or any two-factor authentication code, except where such a credential is entered by you directly into your broker's own interface during the linking flow.

You are responsible for keeping your broker credentials confidential and for any order instruction initiated using credentials you have shared or authorised. If you suspect any compromise, you must immediately unlink the broker account on StockGro and revoke the relevant tokens with your broker.

On unlinking a broker account, or on termination of your StockGro account, StockGro stops using the access credentials for that broker account immediately and purges them from its active systems within 24 hours. Copies present in our backup and disaster recovery systems are removed in the ordinary course of those cycles, within 24 hours. Access credentials are retained beyond these periods only where retention is required by applicable law or by regulatory or exchange direction.

Order Placement and Execution

Every order instruction is initiated or authorised by you. You are solely responsible for the security, quantity, price, order type, product type, validity and every other parameter of each order instruction, for the decision to place it, and for maintaining sufficient funds, margin and, where applicable, securities in your broker account in respect of it.

StockGro does not represent or warrant that any order instruction will be received by, accepted by, or executed by your broker, or that it will be executed at any particular price, quantity or time, or at all.

An order instruction may be rejected, delayed, modified, partially executed or not executed for reasons including, but not limited to:

broker system unavailability, maintenance or capacity limits;
failure, latency or interruption of an application programming interface or network connection;
expiry, invalidation or revocation of access credentials;
absence, lapse or non-completion of the static internet protocol address mapping;
insufficient funds, margin or securities;
absence of a required depository or power-of-attorney authorisation;
exchange, clearing corporation or regulatory restrictions, including price bands, ban periods and surveillance measures;
restrictions imposed by your broker at scrip, segment or product level; and
market volatility or illiquidity.

Order, trade, position, holding and margin information displayed on StockGro is retrieved from your broker and is displayed for your convenience. It may be delayed, incomplete, or inconsistent with your broker's records. The records of your broker are conclusive. You must verify all positions and obligations directly with your broker and must rely on your broker's contract notes and statements.

Where an order instruction has been rejected, you may place a further order instruction in respect of the same security. You are responsible for ensuring that you do not unintentionally create duplicate exposure.

To the maximum extent permitted by applicable law, StockGro shall not be liable for any loss, cost, expense or claim arising from any rejection, delay, modification, partial execution or non-execution of an order instruction, from any discrepancy between information displayed on StockGro and your broker's records, or from any act or omission of your broker.

Holdings, Positions and Sell Transactions

All securities, funds, holdings and positions arising from order instructions routed through StockGro sit in your broker account. You remain responsible for monitoring and managing them, and for meeting all obligations in respect of them, directly with your broker.

StockGro does not hold a power of attorney, a demat debit and pledge instruction, or any other standing authorisation over your broker account or your demat account. Any authorisation required in order to sell securities held in your demat account, including a demat debit and pledge instruction, or the use of a depository-issued TPIN, is given by you directly to your broker or depository through their own interface, and is governed by their terms.

Where a sell order instruction is rejected for want of such authorisation, or for any other reason, you remain responsible for the position and for squaring it off directly with your broker if you wish to do so.

Where a broker account is unlinked, information relating to that broker account may cease to be displayed on StockGro and features that depend on it may be suspended. This does not affect the underlying holdings or positions, which continue to exist in your broker account.

Orders Placed on SEBI-Regd. Research Analyst Trade Ideas

Where you elect to place an order instruction on the basis of a trade idea, trade call or recommendation published on StockGro by a SEBI-registered Research Analyst (a “trade idea”), and separately and expressly opt in to automated order management in respect of that specific trade idea, this section applies in addition to the sections headed Order Placement and Execution and Holdings, Positions and Sell Transactions.

Trade ideas published on StockGro by Research Analysts who are independently registered with the Securities and Exchange Board of India. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

Authorisation

Where you opt in, you authorise StockGro to transmit further order instructions to your broker to give effect to the entry, exit and stop loss parameters published by the Research Analyst for that trade idea. That authorisation is limited to that trade idea and to the security, quantity and parameters you have approved, is specific to the linked broker account you select, and expires when the trade idea is closed, when you modify it, when you cancel, or when that broker account is unlinked, whichever occurs first.

StockGro exercises no discretion over the selection of securities, quantity, price or timing beyond the parameters published by the Research Analyst and approved by you. StockGro does not manage your portfolio, does not hold discretionary authority over your broker account, does not act in a fiduciary capacity, and does not carry on portfolio management or investment advisory activity.

A trade idea reflects the view of the Research Analyst, is published to users generally, is not investment advice tailored to your financial situation, objectives or risk tolerance, and carries no assurance of returns. You must satisfy yourself that it is suitable for you before opting in.

Execution risk and your control

Whether an exit or stop loss order instruction results in a trade depends on prevailing market conditions, liquidity, price movement and broker systems. It may result in execution at a price materially different from the trigger price, or in no execution at all. A stop loss is not a guarantee of a maximum loss.

You retain full control of your broker account at all times and may cancel, modify or square off any position directly with your broker. If you do so, or if you transact in the same security independently, StockGro may cease to manage that trade idea and shall bear no responsibility for the resulting position. You may withdraw the authorisation at any time through StockGro; withdrawal takes effect prospectively and does not apply to order instructions already transmitted to your broker.

Algorithmic Order Handling

You acknowledge that order instructions generated under the section headed Orders Placed on Research Analyst Trade Ideas, and any other order instruction generated by StockGro otherwise than by your direct manual action at the time of placement, may be treated as algorithmic orders under the framework prescribed by the Securities and Exchange Board of India and the stock exchanges governing participation by retail investors in algorithmic trading.

Where that framework applies, such order instructions are routed through your broker, under your broker's registration, and may be required to be tagged with a unique identifier issued by the relevant exchange. Your broker remains the principal responsible for compliance with that framework.

Availability of automated order management is contingent on your broker permitting it under that framework, and on any registration, empanelment or approval required in respect of it. StockGro may suspend or withdraw it in respect of any broker, any security or any user, at any time and without notice, where required to do so. That framework is also why a static internet protocol address must be mapped to your broker account, as described under Broker Account Linking and Order Routing. Your broker may impose further conditions, including order rate limits or restrictions on particular securities or segments.

Personal Data for Linked Broker Accounts

In connection with broker account linking and order routing, StockGro processes personal data including your broker account identifier, your access credentials, and order, trade, position, holding, margin and funds information retrieved from your broker account.

StockGro acts as a Data Fiduciary in respect of that personal data and processes it in accordance with the Digital Personal Data Protection (DPDP) Act, 2023, the Digital Personal Data Protection Rules, 2025, and the StockGro Privacy Policy published at https://www.stockgro.club/privacy/. That personal data is processed for the purpose of providing the facilities described in these sections, for meeting legal, regulatory and exchange requirements, and for maintaining records of order instructions.

Records of order instructions transmitted through StockGro, including their parameters, timestamps and outcomes, are retained forever in order to meet legal, regulatory and audit requirements. Such records are retained notwithstanding unlinking or termination of your StockGro account.

You may withdraw your consent to the processing described in this section at any time by unlinking your broker account. Withdrawal does not affect processing carried out before withdrawal, nor the retention of order records described above.

Suspension and Unlinking of Broker Accounts

You may unlink a broker account at any time through StockGro. Unlinking takes effect prospectively and does not apply to order instructions already transmitted to your broker.

StockGro may suspend or terminate your access to broker account linking and order routing, in whole or in part, at any time and without notice, including where required to do so by a broker, an exchange, a licensor or any authority, where StockGro suspects a breach of these Terms and Conditions, or for operational or security reasons.

Unlinking, suspension or termination does not affect any order instruction already transmitted, any order already placed with your broker, or any position, holding or obligation in your broker account. You remain responsible for all of them and must manage them directly with your broker.

The provisions of these Terms and Conditions relating to the nature of the service, limitation of liability, indemnity, market data, retention of order records and grievance redressal survive the unlinking of a broker account and the termination of these Terms and Conditions.

AI Financial Research Tool

This tool utilizes Artificial Intelligence (AI) algorithms to generate research outputs and provide financial insights. The responses are for testing and informational purposes only and should not be construed as advice on any subject matter.

The outputs generated by this AI tool may be inaccurate, incomplete or outdated and have not been independently verified or reviewed by a human. Users are expressly advised to independently verify the information and not solely rely on the tool for making financial decisions. Research results generated by this tool are based on algorithms and data inputs and should not be construed as investment advice. Users are strongly encouraged to consult qualified professionals for personalized financial planning and decision-making.

Under no circumstances shall the company, its affiliates or its representatives be held liable for any direct, indirect, incidental, consequential, or special damages, including but not limited to financial losses, arising out of or in connection with the use of this tool or reliance on the information provided herein. The company and its website expressly disclaim any and all liability for any losses, damages, or claims incurred or alleged to have been incurred as a result of reliance on the data generated by this tool. By using this tool, users agree to waive any and all claims against the company, its affiliates, or its representatives arising from their use of or reliance on the tool's outputs.

Any use of the information/contents in this website and any investments and investment-related decisions of the Users are at the sole discretion and risk of such Users.

Fair Usage policy

One Beneficiary Bank/Wallet account can be linked to utmost 1 StockGro account
Maximum of 2 accounts can be registered and used on one device.
Use “Invite Friends” program to refer and recommend only upto 10 friends and relatives in a week to get StockGro Bonus.

Any user found engaging in Fair Usage policy Violation will be barred from the platform and account will be suspended.

By registering and using our platform, you agree that you will ensure fair Usage and will not engage in any Fair Usage Policy Violation by technical or non-technical means to manipulate the platform.

Genuine users who want to submit an appeal have to submit the following details in the email to [email protected]

Registered phone number
Any government approved “Photo Id”
Bank account details like Cancelled cheque/ UPI ID from Google-Pay or Bank App/ Wallet info
Only one broker account per broker may be linked to a StockGro account. For example, you cannot link two Dhan accounts to the same StockGro account.
There is no limit on the number of different brokers you may link to your StockGro account

Accounts of genuine users affected by Fair Usage Policy violation, will be reactivated after review and confirmation by our risk management team.

Misuse of Rewards and Withdrawals

The Company does not accept deposits or top-ups into the StockGro Wallet. A withdrawable balance can therefore arise only from a refund of a payment made by you, or from a referral reward validly earned by you.

The Company may withhold, reverse, forfeit or block any balance or withdrawal request, and may restrict, suspend or terminate your account, where it has reason to believe that:

a referral reward was earned through fake, duplicate, automated or inactive accounts, or through any arrangement designed to generate rewards without genuine use of StockGro;
you have registered or operated more than one account, or have linked a beneficiary account or payment instrument not held in your own name;
a refund has been claimed in respect of a payment that was not made by you, or that has been reversed, disputed or charged back;
there has been any breach of the Fair Usage Policy or the Usage Conditions set out in these Terms.

Below is a sample table with tier-based withdrawal limits (subject to change from time to time at the discretion of the company):

Particulars	Basic	Advance	Expert	Stoxo Pro
Minimum balance to enable withdrawal	₹1,000	₹1,000	₹400	₹200
Monthly withdrawal limit	₹1,000	₹1,000	₹2,000	₹2,000
Minimum transaction amount	₹100	₹100	₹100	₹100

Where a balance or withdrawal is withheld under this clause, the Company will inform you at your registered contact details. You may submit a grievance to [email protected], and the Company will complete its review and communicate its decision within 7 working days of receiving all information reasonably requested from you. Where the review finds no misuse, the balance will be released and any pending withdrawal processed in accordance with the Withdrawal Policy.

The Company's rights under this clause are in addition to, and not in substitution for, its rights under the Usage Conditions above, including forfeiture and recovery of any monetary incentive.

Commercial Communication

Users consent to receiving communications such as announcements, administrative messages and advertisements from us or any of our partners, licensors or associates. You agree to ensure that you can receive all communication from StockGro by marking e-mails or sending SMSs from StockGro as part of your "safe senders" list or other similar category. StockGro shall not be held liable if any e-mail, SMS or other message remains unread by a User as a result of such message getting delivered to the User's junk or spam folder or similar category.

We employ the use of cookies. By accessing StockGro, you agreed to use cookies in agreement with our Privacy Policy.

Most interactive websites use cookies to let us retrieve the User's details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.

Services offered by the Group Companies

STOCKGRO TECHNOLOGY LLP is a subsidiary entity of Assetgro Fintech Limited (formerly known as Assetgro Fintech Private Limited), email [email protected], registered with Securities Exchange Board of India “SEBI” as a Research Analyst vide registration number INH000018300 dated 07.08.2024, the validity of the registration is perpetual and acting as a Research Analyst in accordance with the provisions of the SEBI (Research Analysts) Regulations 2014.

License

StockGro includes a combination of content created by StockGro, its licensors and/or you.

Unless otherwise stated, the intellectual property rights in all software underlying StockGro and the StockGro Services and material published on StockGro, including (but not limited to) software, written content, photographs, graphics, images, illustrations, marks, logos, audio or video clippings and Flash animation, are owned by StockGro and/or its licensors, as applicable. All intellectual property rights are reserved. You may access this from StockGro for your own personal use subjected to restrictions set in these terms and conditions. You hereby grant StockGro and its affiliates, partners, licensors and associates a worldwide, irrevocable, royalty-free, non-exclusive, sub-licensable license to use, reproduce, edit and authorize others to use, reproduce, edit, create derivative works of, distribute, publicly perform, publicly display, transfer, transmit, and/or publish any of the content you make available on StockGro in any and all forms, formats or media and for any of the following purposes:

displaying such content on StockGro
distributing such content, either electronically or via other media, to other Users seeking to download or otherwise acquire it, and/or
storage of such content in any form, medium, or technology.

All names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights on StockGro belonging to any person (including User), entity or third party are recognized as proprietary to the respective owners and any claims, controversy or issues against these names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights must be directly addressed to the respective parties under notice to StockGro.

Indemnity

You agree to indemnify and hold harmless the Company, its directors, employees, affiliates and assigns against all costs, damages, loss and harm including towards litigation costs and counsel fees, in respect of:

any breach by you of these Terms and Conditions or any other rules, regulations, disclaimers or conditions on StockGro;
any third party claims that may be initiated including for infringement of intellectual property rights arising out of your actions or omissions; and
any act of fraud or negligence by you.

Payment Terms

These payment terms apply to subscription fees payable by you to the Company and to amounts payable by the Company to you under the StockGro Wallet terms above.

Subscription fees are payable in advance through the payment methods made available on StockGro and are processed by third-party payment gateways. The Company does not operate a payment system and does not hold, collect or remit money on behalf of any third party.
Cashbacks, referral rewards, merchandise offers and other promotions are determined by the Company at its sole discretion, are promotional in nature, and are governed by the StockGro Bonus Points and StockGro Wallet terms above. Bonus Points are not payable in money in any circumstance.
Withdrawals from the Refunds / Cashbacks component are governed by the Withdrawal Policy above.
Where a subscription has been successfully activated, the payment is final and the fee is non-refundable except as required by applicable law or as expressly provided in these Terms. Where a subscription is not activated, the amount paid is credited to your Subscription Wallet and may be applied towards a future subscription in accordance with the StockGro Wallet terms above.

Additional terms and conditions notified to you at the time of a transaction shall also govern that transaction. To the extent any such additional term conflicts with these Terms, the additional term shall prevail in respect of that transaction only.

Tax Liability

You hereby agree to comply with any and all applicable tax laws in connection with your use of the StockGro Services. You hereby agree and acknowledge that if and when required by applicable law, StockGro may deduct tax deducted at source (if applicable as per the tax laws in India) from your bonus points, cashbacks etc (credited as loyalty or otherwise) and/or may require you to submit PAN details before providing you such cashback.

Securities transaction tax, goods and services tax, stamp duty, exchange transaction charges, regulatory turnover fees, depository charges and any other statutory or broker-levied charge in respect of transactions executed in your broker account are payable by you to your broker and are collected by your broker, not by StockGro. Capital gains and all other tax consequences of your transactions are your responsibility. StockGro does not provide tax advice and does not provide tax reporting in respect of transactions executed by your broker.

Hyperlinking to our Content

The following organizations may link to StockGro without prior written approval:

Government agencies;
Search engines;
News organizations;

Online directory distributors may link to our website in the same manner as they hyperlink to the Websites of other listed businesses. These organizations may link to our home page, to publications or to other Website information so long as the link:

is not in any way deceptive;
does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and
fits within the context of the linking party's site.

We may consider and approve other link requests from the following types of organizations:

commonly-known consumer and/or business information sources;
associations or other groups representing charities;
online directory distributors;
internet portals;
accounting, law and consulting firms;
educational institutions and trade associations; and
any other third party.

We will approve link requests from these organizations if we decide that:

the link would not make us look unfavorably to ourselves or to our accredited businesses;
the organization does not have any negative records with us;
the benefit to us from the visibility of the hyperlink compensates the absence of the Company; and
the link is in the context of general resource information. Such organizations which are interested in linking to our website must inform us by sending an e-mail to the Company. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our website, and a list of the URLs on our site to which you would like to link.

Approved organizations may hyperlink to our Website as follows:

By use of our corporate name; or
By use of the uniform resource locator (URL) being linked to; or
By use of any other description of StockGro being linked to that makes sense within the context and format of content on the linking party's site.

No use of StockGro's logo or other artwork will be allowed for linking absent a trademark license agreement.

iFrames

Without prior approval and written permission, you may not create frames around StockGro that alter in any way the visual presentation or appearance of StockGro.

Content Liability

If any third party is linking to StockGro from its website or mobile application, we shall not be held responsible for any content that appears on its website or mobile application. You and such third parties agree to protect and defend us against all claims that is rising on such website or mobile application. No link(s) to StockGro should appear on any website or mobile application that may be interpreted as libelous, obscene, illegal, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our StockGro. You agree to immediately remove all links to StockGro upon request. We also reserve the right to amend these terms and conditions and it's linking policy at any time. By linking to StockGro, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. Subject to applicable law, we will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer and Limitation of Liability

To the maximum extent permitted by applicable law, we exclude all any liability, including but not limited to liability arising out of representations, warranties, and conditions, relating to StockGro and the use of StockGro Services. Nothing in this disclaimer will:

limit or exclude our or your liability for death or personal injury;
limit or exclude our or your liability for fraud or fraudulent misrepresentation;
limit any of our or your liabilities in any way that is not permitted under applicable law; or
exclude any of our or your liabilities that may not be excluded under applicable law.

As long as StockGro and the information and services on StockGro are provided free of charge, we will not be liable for any loss or damage of any nature. Users access the StockGro Services provided on StockGro voluntarily and at their own risk and StockGro is provided on an “as-is” basis without express or implied warranties of any nature.

We accept no liability, whether jointly or severally, for any errors or omissions, whether on behalf of ourselves or third parties, in relation to the bonus points and cashbacks. Users shall be solely responsible for any consequences which may arise due to their access of StockGro Services by conducting an illegal act or due to non-conformity with these Terms and Conditions and other rules and regulations in relation to StockGro Services, including provision of incorrect address or other personal details. Users also undertake to indemnify us and our respective officers, directors, employees and agents on the happening of such an event (including without limitation cost of attorney, legal charges etc.) on full indemnity basis for any loss/damage suffered by us on account of such act on the part of the Users. In no event shall the Company be liable to any User for acts or omissions arising out of or related to User's engagement with StockGro or his/her joining in StockGro.

In consideration of the Company allowing Users to access the StockGro Services, to the maximum extent permitted by law, Users waive and release each and every right or claim, all actions, causes of actions (present or future) each of them has or may have against the Company, its respective agents, directors, officers, business associates, group companies, sponsors, employees, or representatives for all and any injuries, accidents, or mishaps (whether known or unknown) or (whether anticipated or unanticipated) arising out of the provision of StockGro Services.

With respect to the stock information displayed under Market section of the Mobile Application, is a delayed market feed data and the prices are only indicative and synthesized prices not reflective of real market prices. This is for conducting research purposes only. The Company does not undertake any commercial activities on such information under any Copyright, Trademarks or other applicable acts. The Company disclaims any loss claim by any users or third party for relying on such information for any purposes as the Company does not promote commercial use of such information in any manner nor claims to be partner or distributor of such Trademarks, Copyrights, if owned by any third party.

StockGro users share information on the chat groups. StockGro only facilitates access to chat groups as an intermediary. So, StockGro cannot guarantee the completeness or accuracy of the information shared in the groups. Further with respect to the Company's Social section of the Mobile Application/platform, the Company confirms that all information and messages shared or exchanged on Mobile App or Platform by the users are only for informational purposes and published only for consumption by general public at large using the StockGro App and such information or messages in any form or manner does not constitutes an “Investment Advice” in any way.

The Company i.e. Assetgro Fintech Limited (formerly known as Assetgro Fintech Private Limited) (“StockGro”) its employees, it's shareholders, officers, business associates, its Directors, Group Companies and the Expert (i.e. SEBI Registered Investment advisors or Research Analyst available on the App or Platform) would not be liable in any way for any loss or damages suffered (either in present or in future) whether anticipated or unanticipated by any users of the StockGro based on any actions taken by such User solely by relying on the above information and messages shared on the Company's Mobile app or platform. Users must conduct their own research and consider their specific goals, assets, liabilities and risk appetite before making any investment decisions.

Users are solely responsible for ensuring compliance with all applicable laws, including SEBI regulations on investment advisory and research analysis as applicable while using the chat groups, especially if they share any regulated information. 'Regulated information' includes buy/sell/hold recommendations, price targets, stop loss targets, or any other information which may form the basis of an investment decision. For instance, wherever necessary, the users must comply with obligations relating to disclosure of conflict of interest and restrictions on trading and compensation under SEBI regulations. Users must obtain regulatory registrations, licenses, or authorizations, wherever necessary.

Complaints concerning order execution or non-execution, price, brokerage or other charges, margin, settlement, delivery, funds, securities, or your broker account generally, must be raised with your broker. Your broker is required to operate a grievance redressal mechanism, and escalation is available to the relevant stock exchange and through the SEBI SCORES portal and the Online Dispute Resolution portal.

Dispute and Dispute Resolution

These Terms of Service shall be governed and construed in accordance with the laws of India.

In the event of any and all disputes arising out of, or in connection with, these Terms of Service, the construction, validity, interpretation and enforceability of these Terms and Conditions, or the rights and obligations of the User(s) or StockGro, the party raising the dispute shall provide a written notification to the other party. On receipt of the written notification, the parties shall first try to resolve the dispute through discussions. In the event that the parties are unable to resolve the dispute within fifteen (15) days of receipt of notification, the dispute shall be settled by arbitration.

The place, venue and seat of arbitration shall be Bengaluru, India. All arbitration proceedings shall be conducted in English and by a sole arbitrator in accordance with the provisions of the Arbitration and Conciliation Act, 1996, as amended from time to time, read with the rules of the Mumbai Centre for International Arbitration.

The arbitration award will be final and binding on the Parties, and each Party will bear its own costs of arbitration and equally share the fees of the arbitrator unless the arbitral tribunal decides otherwise. The arbitrator shall be entitled to pass interim orders and awards, including the orders for specific performance and such orders would be enforceable in competent courts. The arbitrator shall give a reasoned award.

Nothing contained in these Terms and Conditions shall prevent StockGro from seeking and obtaining interim or permanent equitable or injunctive relief, or any other relief available to safeguard StockGro's interest prior to, during or following the filing of arbitration proceedings or pending the execution of a decision or award in connection with any arbitration proceedings from a court having jurisdiction to grant the same. The pursuit of equitable or injunctive relief shall not constitute a waiver on the part of StockGro to pursue any remedy for monetary damages through the arbitration described herein.

StockGro Refer & Earn

These Refer & Earn Terms and Conditions (“Terms”) set out additional conditions applicable to the Refer and Earn program. To the extent of any conflict, these Terms shall prevail with respect to the Refer and Earn program only.

The Program

Under StockGro's Refer and Earn program, a User who refers another User to the App (the “Referring User”) and the User they refer (the “Referred User”) each receive 150 Bonus Points once the Referred User successfully signs up on the App using the Referring User's unique referral link or code.
To participate in the Refer and Earn program, both the Referring User and the Referred User must be at least 18 years of age.
In addition, the Referring User becomes eligible for ₹200 in cashback (“Referral Cashback”) if the Referred User subscribes to any paid StockGro plan (not being a trial plan) within 15 days of their signup date. If the Referred User does not subscribe within this window, the referral is marked expired; both Users retain the 150 Bonus Points already credited, and no Referral Cashback becomes payable for that referral.
Referral Cashback is capped at 20 successfully converted referrals, and ₹4,000 in aggregate, per Referring User account. StockGro reserves the right to change the number of Bonus Points, the Referral Cashback amount, the subscription window, or the referral cap at its sole discretion, with prospective effect only.

Bonus Points

Bonus Points earned through the Refer and Earn program are StockGro Bonus Points / Loyalty Points, and are governed by the same rules as Bonus Points earned through any other activity on the App (such as quests, quizzes, and / or other engagement activities):
Bonus Points may be: (a) applied towards a subscription plan purchase (new or renewal), up to a maximum of 15% of that plan's price per transaction, or (b) exchanged for eligible merchandise listed in the App's rewards store, subject to availability.
Bonus Points are not withdrawable, transferable, or exchangeable for cash under any circumstance.
Bonus Points expire monthly on a rolling basis: points accrued between the 1st and last day of a calendar month expire on the last day of the following month. For example, points earned between 1-31 August expire on 30 September. When a redemption is made, it draws first from the batch of points closest to expiry, then from points accrued in the current month.

Referral Cashback

Unlike Bonus Points, the Referral Cashback is real money. It is credited to the Referring User's Refunds / Cashback Wallet, once the Referred User's subscription payment has been successfully processed and confirmed. From there, it can be used two ways:
- At purchase, applied toward a new subscription or renewal, covering up to 65% of the plan's price.
- As a withdrawal to a bank account, once Video KYC is complete, subject to the limits below.

Withdrawal eligibility

Referral Cashback can only be withdrawn to a verified bank account once the Referring User has successfully completed Video KYC (V-KYC), as required under applicable law. StockGro may withhold or delay a withdrawal until V-KYC is completed, and reserves the right to reverse any Referral Cashback found to be credited in error or as a result of fraudulent, abusive, or duplicate referral activity, including amounts already withdrawn.
If a Referred User's subscription giving rise to Referral Cashback is subsequently cancelled, refunded, or charged back, the corresponding Referral Cashback shall be reversed. Where the amount has already been withdrawn and the reversal is not attributable to fraud, abuse, or a violation of these Terms by the Referring User, StockGro's recovery shall be limited to deduction from the Referring User's future Refunds/Cashback Wallet balance. Where the reversal is attributable to fraud, abuse, or a violation of these Terms by the Referring User, the amount constitutes a debt due and repayable by the Referring User to StockGro, recoverable by deduction from the Referring User's wallet balance or by any other lawful means.
A minimum wallet balance must be present before a withdrawal request can be processed, see the table above for the threshold on your plan; withdrawals will fail below this threshold or if the Referring User exceeds their applicable monthly withdrawal limit.
The minimum withdrawal amount is ₹100 per transaction, across all subscription tiers.
Limits are set by StockGro per subscription tier and may be revised at its sole discretion.

Below is a sample table with tier-based withdrawal limits (subject to change from time to time at the discretion of the company):

Particulars	Basic	Advance	Expert	Stoxo Pro
Minimum balance to enable withdrawal	₹1,000	₹1,000	₹400	₹200
Monthly withdrawal limit	₹1,000	₹1,000	₹2,000	₹2,000
Minimum transaction amount	₹100	₹100	₹100	₹100

Anti-exploitation and harassment

Artificial top-ups to bypass the withdrawal thresholds, and/ or any harassment or threats made in connection with a withdrawal request, are governed by the “Misuse of Rewards and Withdrawals” section of these Terms.

General

Cashback and merchandise issued under this program are for user engagement purposes only; participation is entirely voluntary, and StockGro does not guarantee any incentive to any User. If StockGro reasonably determines that an individual has engaged in fraud or misuse of the Refer and Earn program, including through the use of multiple or recreated accounts, that individual may be treated as ineligible for further Bonus Points or Referral Cashback under the program.
Discontinuation of the Refer and Earn program will not affect Bonus Points or Referral Cashback already credited before the discontinuation date, which will remain redeemable or withdrawable in accordance with these Terms.