Terms of Service

By creating a investQI account or using the investQI app or this website, you agree to these Terms. If you don't agree, don't use investQI.

investQI is offered by investQI, Burdwan Road, Alipore, Kolkata 700027, West Bengal, India (“we,” “us”).

You must be at least 18 years old, and legally able to enter into a binding agreement in your jurisdiction, to create an account or use investQI. See also Privacy Policy §18.

investQI is market-information and intelligence software. It helps you follow companies you choose, tracks relevant news and market events for them, and summarizes and contextualizes that information — including with AI. investQI is not an investment adviser, and using investQI doesn't create an advisory relationship. See Disclaimer.

You need an account to use investQI, created via Firebase Authentication with an email address and password (or Google Sign-In). You're responsible for keeping your credentials secure and for activity on your account. Email verification is available but not required to use the app.

You agree not to:

• use investQI for any unlawful purpose;
• attempt to gain unauthorized access to investQI's systems or other accounts;
• scrape, systematically extract, or bulk-collect data from investQI;
• reverse-engineer the app beyond what applicable law permits;
• circumvent plan limits (e.g. watchlist size, alert caps) through automation; or
• misuse Ask investQI or other AI features — for example, attempting to make them generate investment recommendations they're designed not to give.

investQI sources news and market-event information from third parties. This information can be delayed, incomplete, or occasionally inaccurate, and its availability can change. investQI doesn't guarantee its accuracy, completeness, or timeliness.

Some content in investQI is machine-generated. It can be inaccurate, incomplete, or outdated, and is provided for informational context only — it's not a guarantee of correctness, and Ask investQI only answers a controlled set of supported questions grounded in investQI's own data, not open-ended queries.

Nothing in investQI — materiality scores, sentiment tags, AI summaries, Ask investQI answers, notifications, or Daily Brief content — is a recommendation to buy, sell, or hold anything, a price target, or personalized investment or portfolio advice. See Disclaimer for the full explanation.

investQI offers free and paid plans. Paid plans unlock a higher watchlist limit, a higher daily alert cap, and other plan-dependent features. Plan names, limits, and prices are determined by investQI's own systems and can change — we don't publish fixed prices in these Terms, since they're not fixed. Paid plans renew automatically at the end of each billing cycle unless canceled. Access to paid features is confirmed against your account's actual subscription status, not assumed from a purchase alone.

Depending on how you subscribed, your payment is processed by Google Play, the Apple App Store, or Razorpay. Canceling your subscription within the investQI app updates your plan in investQI, but it doesn't necessarily cancel billing with the payment provider you used. If you subscribed through Google Play or the App Store, you may also need to cancel directly through your Google Play or App Store account to stop future charges there. We recommend checking your subscription status with whichever provider you paid through if you're unsure whether billing has actually stopped.

Google Play and App Store purchases are subject to those stores' own refund policies and processes, which investQI doesn't control. Request a refund for those purchases through Google Play or Apple.

Razorpay purchases: you can cancel at any time, and you keep paid access until the end of the billing period you've already paid for. We don't refund unused time in a billing period, whether partial months or partial years. If you were charged in error (for example, charged twice), contact us at support@investqi.in and we'll put it right.

We may change, suspend, or discontinue features of investQI at any time. We don't guarantee uninterrupted availability.

investQI and its content, design, and branding belong to us or our licensors. Using investQI doesn't give you any ownership rights in it. We don't currently claim any registered trademarks here.

investQI relies on third-party services (including news and market-data providers, OpenAI, Firebase, and payment processors). We're not responsible for the accuracy or availability of third-party content or services, which are governed by their own terms.

We may suspend or terminate your access to investQI if you violate these Terms or misuse the service. You can stop using investQI, or delete your account, at any time.

See Delete Account for how to delete your account and exactly what that does — deletion deactivates your account immediately, but doesn't instantly erase every record, and doesn't cancel an active subscription on its own.

investQI is provided “as is,” without warranties of any kind, express or implied. See Disclaimer for the full financial and AI disclosures, which these Terms incorporate.

To the extent permitted by applicable law, investQI isn't liable for indirect, incidental, or consequential damages arising from your use of the app, including decisions made based on information in it. This section's enforceability depends on the governing law that applies to your use of investQI (§20).

You agree to indemnify us against claims arising from your violation of these Terms or misuse of investQI. This doesn't apply to our own violations of these Terms or applicable law.

These Terms are governed by the laws of India, without regard to its conflict-of-laws principles. Any dispute arising from these Terms or your use of investQI is subject to the exclusive jurisdiction of the courts located in India.

We may update these Terms as investQI changes. Material changes will be reflected here with an updated effective date.

Questions about these Terms? Contact us at support@investqi.in.