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Shipping & exchange policy

SHIPPING & EXCHANGE POLICY

Effective Date: 20-Sep-2025

Last Updated : 30-Oct-2025

Jurisdiction : Sawantwadi, Sindhudurg, Maharashtra, India

DEFINITIONS

In this Policy, unless the context otherwise requires:

“Company”, “we”, “our”, “us” means MindStocs and its subsidiaries.

“User”, “you”, “your” means any registered user, subscriber or client of the Company.

“Services” means the software, dashboards, indicators, algorithms, APIs, VPS hosting, subscription and participation packages described in this Policy.

“Activation” or “Delivery” means electronic issuance of credentials, license keys or enabling of dashboard/API access as evidenced by system-generated logs.

“Registered email ID” means the email address associated with the User’s account on the Company’s platform.

This Shipping & Exchange Policy (“Policy”) governs the framework, methodology, and legal principles under which all forms of digital delivery, activation, and account-level exchanges or upgrades are executed for software, dashboards, indicators, algorithms, VPS hosting, APIs, and participation packages (collectively, “Services”) offered by MindStocs and its subsidiaries (“Company”, “we”, “our”, or “us”).

This Policy forms an **integral, inseparable, and binding component** of the Company’s **Terms & Conditions**, **Privacy Policy**, and **Refund & Cancellation Policy**. Together, these documents establish the complete contractual relationship between the Company and every registered user, subscriber, or client (“User”, “Subscriber”, “Client”, “you”, or “your”) availing any paid or trial Service.

This Policy is drafted and enforced in strict compliance with applicable Indian laws, including but not limited to:

(a) The **Indian Contract Act, 1872**;

(b) The **Consumer Protection Act, 2019** and **Consumer Protection (E-Commerce) Rules, 2020**;

(d) The **Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011**; and

(e) The **Digital Personal Data Protection Act, 2023**, in so far as data handling during digital activation and access control is concerned.

For complete regulatory transparency and consumer awareness, it is hereby clarified that:

1. **MindStocs provides only digital software and technology-based services.**

No physical goods are manufactured, dispatched, or delivered by the Company.

2. **All products and services are delivered electronically**, through secure, authenticated digital channels such as registered email, the official web platform, and/or verified mobile-based authentication systems.

3. **Delivery completion** occurs upon the electronic issuance of activation credentials, license keys, or dashboard access—supported by system-generated delivery logs.

4. **No physical shipping, couriering, or material exchange** is performed by the Company under any circumstances.

5. All forms of delivery, modification, redelivery, or exchange are carried out exclusively through digital mechanisms, and the User expressly acknowledges the digital-only nature of these transactions.

This Policy is designed to ensure that every aspect of the delivery and exchange process remains transparent, secure, and compliant with prevailing Indian laws and global standards for digital commerce.

By purchasing, subscribing to, or accessing any Service, the User acknowledges that they have read, understood, and agreed to this Policy, and accepts that all delivery, fulfilment, and exchange activities are governed solely under this digital delivery framework.

For avoidance of doubt, no part of this Policy shall be interpreted as implying any obligation of physical shipping, tangible delivery, or offline transaction fulfilment.

“Business Day” means Monday to Saturday, excluding public holidays notified for the State of Maharashtra, India. All times are India Standard Time (IST, UTC+05:30).

“Verified Payment Date” (VPD) means the later of: (a) payment authorization confirmation from an RBI-regulated gateway, and (b) successful reconciliation of that transaction in the Company’s ledger against the User’s account.

1. NATURE OF SERVICES

1.1 Digital-Only Service Offering

MindStocs provides access exclusively to digitally delivered software and technology-enabled tools, including but not limited to:

(a) algorithmic trading systems, indicators, and analytical dashboards;

(b) Application Programming Interfaces (APIs) for data connectivity and automation;

(d) subscription-based participation or technology-use packages; and

(e) other digital research or educational utilities delivered via the Company’s web-based infrastructure.

1.2 No Physical Shipping or Dispatch

The Company does not manufacture, dispatch, or courier any tangible product. All fulfilment is effected electronically through issuance of access credentials, license keys, or verified dashboard logins delivered to the User’s registered email address or verified mobile number.

1.3 Mode of Digital Fulfilment

(a) Delivery is completed upon successful activation of credentials on the Company’s secure servers, as recorded in system-generated logs and timestamps.

(b) System logs, gateway confirmations, and bank settlement references shall constitute prima facie evidence of delivery for operational and audit purposes. Such records may be subject to independent technical audit or judicial/regulatory review where applicable.

(c) Users must ensure accurate registration details, a functional email address, and uninterrupted network connectivity to receive electronic communications.

1.4 Scope and Purpose of Services

All Services are intended solely for: (a) personal or professional use in research, analysis, education, or technology integration; (b) enhancement of trading or analytical efficiency through automation or visualisation tools; and (c) lawful utilisation consistent with the Company’s Terms & Conditions. No Service shall be construed as financial, investment, or deposit-taking activity within the meaning of any Indian statute.

1.5 Exclusion of Financial Characterisation

For clarity, none of the Services offered by MindStocs shall be deemed to constitute: (a) deposit-taking under the Companies Act, 2013 or the Reserve Bank of India Act, 1934; (b) a collective investment scheme, mutual fund, or portfolio management service regulated by SEBI; (c) an insurance, guarantee, or protection product regulated by IRDAI; or (d) a prepaid-instrument, payment system, or wallet service governed by RBI. All payments made by Users are strictly Service Access Fees for digital technology usage only.

1.6 User Responsibilities

(a) Users shall maintain confidentiality of all digital credentials issued to them and must not disclose credentials to unauthorised third parties.

(b) Misuse, sharing, or duplication of credentials constitutes a material breach of this Policy and may result in suspension or termination of access without refund, in accordance with the Terms & Conditions.

(c) Users must comply with applicable Indian laws relating to data usage, software security, and online conduct while accessing the Services.

1.7 Regulatory Transparency & Consumer Rights

This Clause is consistent with the Consumer Protection (E-Commerce) Rules, 2020 and the Information Technology Act, 2000. By purchasing any Service, the User acknowledges the digital-only nature of delivery and agrees to the mechanisms of electronic fulfilment set out herein. Nothing in this Clause shall be construed as a waiver of non-derogable statutory rights available to Users under Indian law.

1.8 No Statutory Return Window for Digital Services

Since all Services are digitally delivered and deemed consumed upon activation, no “return period”, “inspection window”, or “product return right” under the Consumer Protection Act, 2019 or any other statute shall apply.

The User expressly acknowledges that digital activation constitutes full and final delivery, and no physical return, pickup, or reversal obligation arises for the Company.

2. DIGITAL DELIVERY TIMELINES

2.1 Standard Delivery Period

All digital Services offered by MindStocs are ordinarily delivered, activated, or made accessible within **twenty-four (24) to seventy-two (72) hours** from the later of:

(a) successful confirmation of payment through authorised RBI-regulated payment gateways; and

(b) completion of the User’s mandatory onboarding, KYC, or verification process (including successful OTP, email, or mobile verification).

All timelines refer to Business Days in India Standard Time (IST).

2.2 Extended Fulfilment Scenarios

While most activations occur within the standard timeframe, certain Services may require up to **five (5) Business Days** for provisioning due to:

(a) high-volume user onboarding;

(b) technical backend configurations or VPS synchronisation;

(d) integration dependencies with third-party systems or API partners.

In such instances, the User shall be notified via email or SMS of the expected completion timeline.

2.3 Notification of Completion

Upon successful activation or provisioning, the Company shall send an automated notification to the User’s registered email and/or verified contact number confirming service activation, along with relevant access credentials or login instructions.

2.4 Proof of Digital Delivery

(a) Delivery completion shall be established upon the Company’s internal system records indicating successful activation or access enablement.

(b) System logs, including timestamped entries of license issuance, email dispatch, or dashboard access confirmation, shall constitute **prima facie evidence** of delivery for operational and legal purposes.

(c) Such records may be subject to review or verification by a competent regulator, court, or independent technical auditor where required.

(d) Any claim of non-receipt shall be validated solely against these records.

2.5 User-Side Delays and Exceptions

MindStocs shall not be responsible for delivery delays or access failures arising from factors attributable to the User, including but not limited to:

(a) incorrect or inactive email address or mobile number;

(b) delayed completion of verification or onboarding procedures;

(d) restrictions caused by firewalls, spam filters, or organisational network policies; or

(e) failure to check inbox, spam, or registered contact channels.

Where possible, MindStocs will provide reasonable technical guidance to help the User rectify such issues, but this does not extend delivery timelines or refund eligibility.

2.6 Redelivery in Case of Technical Errors

Where a delivery failure is verified to have occurred due to a Company-side technical or administrative error, MindStocs shall, upon written request from the User, promptly reissue activation details or restore access **at no additional cost**.

Redelivery shall be subject to identity and payment verification to ensure security and compliance with the **Digital Personal Data Protection Act, 2023 (DPDP Act)**.

Reissued credentials will be transmitted only to the User’s registered and verified communication channels.

2.7 No Physical Shipping Obligations

MindStocs does not engage in physical shipping, courier, or logistics operations. All fulfilment is digital-only, and no claim shall arise for physical shipment or tangible delivery under any circumstance.

2.8 Force Majeure & External Dependencies

Delivery timelines may be extended automatically in cases of system downtime, payment gateway delays, cyber incidents, or other Force Majeure events beyond the Company’s reasonable control, as governed under Clause 16 of this Policy.

2.9 Regulatory Compliance Note

This Clause is drafted in accordance with the **Consumer Protection (E-Commerce) Rules, 2020**, the **Information Technology Act, 2000**, and the **Digital Personal Data Protection Act, 2023**, ensuring lawful, transparent, and audit-compliant digital service delivery.

2.10 No Automatic Refund for Delivery Delay

A delay in digital activation or provisioning, whether due to verification, gateway settlement, third-party dependencies, or Force Majeure, shall not, by itself, create any automatic right of refund, chargeback, or cancellation.

Refund eligibility, if any, shall be governed strictly and exclusively by the Refund & Cancellation Policy.

3. ACCESS ISSUES & REDELIVERY

3.1 User Responsibility for Access Verification

Upon receiving service activation credentials or dashboard login details, Users shall verify accessibility within seventy-two (72) hours of receipt.

Failure to report access issues within this timeframe may limit eligibility for expedited redelivery; however, MindStocs will review any bona fide request submitted later, subject to system-log verification and applicable operational limits.

3.2 Procedure for Reporting Access Issues

If activation credentials or confirmation are not received within seventy-two (72) hours after the Verified Payment Date and completion of onboarding, the User must contact the Support Team via:

(a) the registered email ID used at account creation; and

(b) inclusion of payment reference – transaction ID, bank UTR, or gateway confirmation.

Requests made through unverified sources or social-media channels will not be processed to maintain data-security integrity.

3.3 Redelivery Eligibility Criteria

MindStocs will, upon verification, reissue or reactivate service access free of charge where the access failure is confirmed to have resulted from:

(a) internal server or system malfunction;

(b) administrative error during activation;

(d) temporary downtime due to scheduled maintenance or Force Majeure events.

3.4 Non-Eligible Scenarios

Redelivery or reactivation will not apply where access issues arise from:

(a) incorrect or inactive email ID or mobile number provided by the User;

(b) incomplete onboarding or failed KYC verification;

(d) User-initiated changes to credentials or account settings; or

(e) account suspension or restriction for policy / Terms & Conditions violations.

3.5 Proof of Activation & Service Records

(a) Company system logs shall constitute **prima facie evidence** of activation, license issuance, or access enablement.

(b) Such logs may include timestamped records of license issuance, email dispatch, or dashboard login events.

(c) These records are authoritative for operational purposes but may be subject to verification by a competent regulator, court, or independent technical auditor.

3.6 Redelivery Timelines

Approved redelivery or reactivation requests shall ordinarily be processed within **three (3) to five (5) Business Days**, subject to successful identity and payment verification.

Redelivery does not reset or extend the original subscription term unless expressly confirmed in writing by the Company.

3.7 Security of Reissued Access Credentials

(a) Reissued credentials will be transmitted only through encrypted channels to the User’s registered and verified contact points.

(b) No credentials will be shared via messaging apps, social media, or third-party intermediaries.

(c) MindStocs shall not be liable for misuse, disclosure, or compromise of credentials after successful delivery, provided industry-standard security practices were followed.

(d) All personal data processed for verification or reactivation shall be handled in accordance with the **Digital Personal Data Protection Act 2023** and the Company’s **Privacy Policy**.

3.8 Assistance for User-Side Technical Issues

Where access issues originate from User-side configurations, MindStocs may, at its discretion, provide reasonable guidance or troubleshooting support. Such assistance does not imply liability or extension of delivery timelines.

3.9 Regulatory Alignment

This Clause is fully compliant with the **Information Technology Act 2000**, the **Digital Personal Data Protection Act 2023**, and the **Consumer Protection (E-Commerce) Rules 2020**.

It ensures accountability, procedural transparency, and lawful handling of data during all redelivery and access-restoration processes.

3.10 No Refund or Chargeback for Access Issues

Access issues arising after successful activation, as evidenced by system logs, shall not create any right to refund, chargeback, reversal, or cancellation.

Any unresolved access concern shall be addressed only through redelivery or reactivation under this Clause, and not through refund remedies, which remain governed exclusively by the Refund & Cancellation Policy.

4. EXCHANGE POLICY

4.1 Nature of Exchange

MindStocs, as a provider of digital software, dashboards, and algorithmic tools, does not facilitate traditional “product exchanges” applicable to physical goods.

However, **digital-level exchanges or service upgrades** may be approved by the Company, subject to verification, availability, and fairness under this Clause. All such actions are recorded and auditable to ensure compliance with applicable Indian law.

4.2 Eligible Exchange Scenarios

A User may request an exchange or upgrade only under the following permissible situations:

(a) the User has inadvertently purchased a lower-tier version of a software or package;

(b) the User intends to upgrade to a higher-tier, automated, or extended-access service;

(d) the Company introduces a newer service or feature allowing proportional migration for existing Users.

4.3 Exchange Request Procedure

(a) All exchange or upgrade requests must be submitted in writing from the User’s **registered email ID** to **support@mindstocs.com**.

(b) Requests must include payment reference details (transaction ID, bank UTR, or gateway confirmation), activation ID, and the desired service migration or upgrade option.

(c) Requests initiated through unverified channels, social media, or non-registered emails shall not be accepted for security and compliance reasons.

4.4 Eligibility for Exchange Requests

Digital Services are non-exchangeable once activation has been completed, as delivery is deemed fully consumed at the time of license issuance or dashboard/API enablement.

An exchange or re-provisioning shall be permitted **only** under the following limited conditions:

(a) A verified technical or administrative error by the Company during activation or configuration; or

(b) An incorrect software version or package was issued due to Company-side fault.

In such cases, the User must submit an exchange request within **forty-eight (48) hours** of activation, along with proof of the issue.

If approved, the corrected version will be re-issued, subject to a **one-time service or re-provisioning charge**, as applicable.

No exchange shall be permitted where the mistake originates from the User, including but not limited to:

— incorrect package selection,

— wrong API/broker details provided,

— dissatisfaction with strategy performance,

— change of preference after activation.

Upgrades to higher-tier plans remain available at any time, subject to payment of price difference and applicable service charges.

Downgrades are not permitted.

4.5 Commercial Adjustments & Additional Payments

(a) In the case of an upgrade, any difference between the original Service Access Fee and the upgraded version’s fee must be paid in full prior to activation of the new service.

(b) Downgrades to lower-tier versions are not eligible for refunds, credits, or monetary adjustments.

(c) Promotional codes, referral bonuses, or discounts applied during the original purchase shall not be re-applied to the exchanged service.

(d) Any refund or credit adjustment arising from an approved exchange will be processed strictly under the **Refund & Cancellation Policy**.

(e) In accordance with Indian tax law, any re-invoicing or GST adjustment resulting from an exchange shall comply with Section 34 of the **Central Goods and Services Tax Act, 2017**.

4.6 Exchange Approval & Activation Timelines

Once approved, the upgraded or exchanged service shall be provisioned within **three (3) to seven (7) Business Days**, depending on configuration complexity and system dependencies.

Delays caused by technical setup or third-party integration shall not constitute deficiency of service provided reasonable efforts are made to notify the User.

4.7 Non-Eligible Exchange Scenarios

Exchange or upgrade requests shall not be accepted where:

(a) the Service has already been consumed or substantially used;

(b) access to indicators, trade signals, or APIs has been granted or integrated;

(d) the User account is under suspension or review for policy or compliance violations; or

(e) the request arises solely from dissatisfaction or performance outcomes unrelated to service delivery.

4.8 Effect of Exchange on Service Tenure

(a) Upon successful exchange or upgrade, the new service tenure shall commence from the date of upgraded activation.

(b) Any remaining balance or unused portion from the prior subscription may, at the Company’s discretion, be proportionally adjusted but will not be automatically carried forward.

4.9 Documentation & Proof of Exchange

(a) Every approved exchange shall be confirmed through an official system-generated communication bearing a unique reference number.

(b) Internal system logs and timestamped activation entries shall constitute **prima facie evidence** of exchange completion.

(c) Any contrary claims shall be verified solely against these records and, where necessary, reviewed by an independent technical auditor or competent authority.

4.10 Regulatory & Contractual Compliance

This Clause is framed in conformity with the **Consumer Protection (E-Commerce) Rules, 2020**, the **Information Technology Act, 2000**, the **Digital Personal Data Protection Act, 2023**, and the **Indian Contract Act, 1872**.

All user data processed for verification or exchange purposes shall comply with the Company’s **Privacy Policy**.

This Clause forms an integral component of the contractual relationship between the User and MindStocs and supersedes any inconsistent verbal or promotional representation.

4.11 No Refund Post-Exchange

Once an exchange, migration, or upgrade is approved and activated, the User permanently waives any right to refund, reversal, chargeback, or cancellation relating to the original Service Access Fee or the upgraded amount.

All exchanged services are final, non-reversible, and governed strictly under this Policy and the Refund & Cancellation Policy.

4.12 Price Change Irrelevance

Any future change in price, discount, offer, or promotional scheme shall not entitle the User to refund, credit, or adjustment after activation or exchange.

5. NON-EXCHANGEABLE & NON-TRANSFERABLE SERVICES

5.1 Scope of Non-Exchangeability

The following categories of Services, once delivered or activated, are **strictly non-exchangeable, non-transferable, and non-refundable**, except where required under Indian law or expressly authorised in writing by the Company:

(a) activated algorithmic software or trading dashboards;

(b) issued access credentials, license keys, or VPS integrations;

(d) partially completed or ongoing participation plans or subscription cycles;

(e) Services purchased under limited-time promotional or bundled offers; and

(f) bonus features, referral rewards, credits, or other discretionary incentives.

5.2 Non-Transferability of Account Access

(a) Service licences and dashboard access are granted exclusively to the registered User account and are non-transferable to any third party.

(b) The sharing, resale, or gifting of credentials, API keys, or digital entitlements is prohibited unless expressly authorised in writing for corporate or multi-user access.

(c) Any unauthorised transfer or resale constitutes a material breach and may result in suspension or termination of the account without refund.

5.3 Integration with Third-Party Accounts

(a) Services once integrated with external trading platforms, broker systems, or APIs are deemed **irrevocably consumed**.

(b) MindStocs bears no liability for third-party platform restrictions, data-sharing rules, or technical incompatibilities following such integration.

(c) The User acknowledges that continued use of third-party systems is governed by their respective **RBI**, **SEBI**, or platform-specific terms and not by this Policy.

5.4 Expired or Near-Term Subscriptions

Subscriptions or participation packages with fewer than **five (5) calendar days** remaining in the active billing cycle are not eligible for exchange, migration, or modification.

Users may renew or upgrade after expiry in accordance with the prevailing pricing framework.

5.5 Data-Linked or Personalised Services

(a) Any Service customised, configured, or uniquely generated for a specific User — including bespoke dashboards, algorithm parameters, or API environments — is permanently non-exchangeable and non-transferable.

(b) Services involving storage or encryption of User data within the Company’s infrastructure are deemed exclusive to that User and cannot be reassigned.

(c) Upon expiry of statutory retention under the **Digital Personal Data Protection Act 2023**, such data shall be securely deleted or anonymised in accordance with the Company’s **Privacy Policy**.

5.6 Breach & Consequences

(a) Any violation of this Clause, including unauthorised resale, sharing, or duplication of non-transferable digital assets, shall be treated as a **material contractual breach** under this Policy and the **Terms & Conditions**.

(b) The Company may take progressive enforcement action:

(i) temporary suspension of access pending investigation;

(ii) written notice of violation with opportunity to respond within 3 Business Days; and

(iii) permanent termination and deactivation of associated API/VPS credentials where breach is confirmed.

(c) The Company reserves the right to recover damages, seek injunctive relief, or pursue legal remedies under Sections 73–75 of the **Indian Contract Act 1872**.

5.7 Regulatory Clarification

This Clause aligns with the **Consumer Protection (E-Commerce) Rules 2020**, the **Information Technology Act 2000**, and the **Digital Personal Data Protection Act 2023**, clarifying that digital licences granted by MindStocs are **limited, revocable service rights**, not goods, deposits, securities, or property interests.

MindStocs retains full ownership of its intellectual property, algorithms, and backend systems, and all user access remains subject to compliance with the master **Terms & Conditions** and applicable Indian law.

5.8 Prohibition on Chargebacks or Reversals

Once a Service has been delivered, activated, or integrated as per Clause 1 and Clause 2, the User shall not initiate any chargeback, payment dispute, or bank reversal on any ground whatsoever, including dissatisfaction, non-performance claims, or post-usage objections.

Any chargeback attempt shall be treated as a fraudulent transaction, and the Company reserves the right to:

(a) suspend all active and future Services;

(b) blacklist the User across all platforms and partners; and

(c) initiate legal recovery and report the incident to payment gateways, credit bureaus, and law enforcement agencies under applicable law.

5.9 Prohibition on Commercial Resale

User accounts, access rights, or software licences shall not be resold, auctioned, sublicensed, bartered, or listed on any marketplace, social media, or third-party platform.

Any such attempt shall constitute commercial misuse and result in immediate permanent termination without refund, in addition to civil or criminal proceedings under Sections 420 and 66C of the Information Technology Act, 2000.

6. PLATFORM ACCESS & SECURITY POLICY

6.1 Nature of Access

MindStocs operates exclusively through a **secure, web-based digital platform**.

The Company does not distribute any downloadable or physical software for installation.

Users access Services through their registered credentials via compatible browsers and secure internet connections.

No offline delivery, CD, or courier-based fulfilment mechanism exists.

6.2 Device and Login Usage

(a) The platform may be accessed from multiple devices by the registered User, subject to system compatibility and session controls.

(b) Simultaneous logins from multiple devices or browsers are allowed only for legitimate, personal usage aligned with service functionality.

(c) Excessive, concurrent, or abnormal login patterns may trigger automated review or temporary restriction to preserve system security.

6.3 User Responsibility for Security

(a) Users are responsible for maintaining confidentiality of login credentials, passwords, and authentication tokens, to the extent reasonable under industry-standard security practices.

(b) Sharing or disclosure of credentials with unauthorised third parties (including associates, staff, or external agents) is prohibited.

(c) The Company shall not be liable for unauthorised access or misuse resulting from User-side negligence, credential sharing, or insecure devices.

6.4 Multi-Account Restrictions

(a) Each User may maintain only **one registered account per verified identity**.

(b) Creation of duplicate, proxy, or impersonated accounts using alternate credentials or IPs constitutes a policy breach.

(d) Where multiple-user or enterprise access is legitimately required (e.g., team-based usage), such arrangement must be pre-approved in writing by the Company’s Compliance Division.

6.5 Integrity of Access Channels

(a) All login and usage activity is recorded through **encrypted, timestamped logs** to maintain traceability and compliance.

(b) Such logs serve as **prima facie and authoritative evidence** of platform access, activation, or service usage.

(c) The Company reserves the right to audit or disclose such logs during dispute resolution, compliance verification, or regulatory investigation.

6.6 Account Suspension for Security Concerns

MindStocs reserves the right to temporarily suspend or restrict access if:

(a) multiple failed login attempts are detected;

(b) access originates from suspicious IP addresses or geo-locations;

(d) any cybersecurity, data breach, or compliance violation risk is reasonably suspected.

Where practicable, Users will be notified of such suspension via their registered email ID, and reinstatement may follow after identity and security verification.

6.7 Restoration of Access

(a) Suspended accounts may be reinstated following successful identity re-verification and confirmation of non-malicious intent.

(b) Requests for reactivation must be submitted in writing to **support@mindstocs.com** from the registered email ID.

(c) The Company may request supporting documentation (e.g., PAN, Aadhaar, or digital signature verification) in accordance with the **Digital Personal Data Protection Act 2023**.

(d) All verification data will be processed lawfully, securely, and deleted once verification is complete, consistent with the Company’s **Privacy Policy**.

6.8 Data & Security Compliance

(a) The platform employs encryption, SSL, and **PCI-DSS-compliant gateways** to secure all transactions and data transfers.

(b) MindStocs adheres to industry-standard security frameworks including **ISO/IEC 27001** and relevant **NIST Cybersecurity Guidelines**.

(c) All user data is stored and processed per the **Information Technology Act 2000** and the **Digital Personal Data Protection Act 2023**.

(d) Cybersecurity logs and incident records are retained for at least **180 days** in compliance with **CERT-In Directions (2022)**.

6.9 Prohibition on Unauthorised Access Tools

(a) Users shall not use VPNs, proxy servers, web scrapers, bots, or automated scripts to manipulate, extract, or stress-test the platform.

(b) Any attempt to bypass system security or extract proprietary data will result in immediate account termination and may attract civil and criminal liability under the **Information Technology Act 2000**, **PMLA 2002**, and other applicable Indian laws.

6.10 Prohibition on Shared or Group Access

User accounts are issued strictly on a single‐user basis.

Sharing of credentials through Telegram groups, Discord servers, WhatsApp communities, paid signal rooms, or any multi-user environment is strictly prohibited.

Any such activity shall be treated as unauthorised redistribution of licensed access and will result in immediate account termination without refund, along with legal action for breach under Sections 72 and 66C of the Information Technology Act, 2000.

6.11 Permanent Access Termination

Where repeated or intentional abuse of access controls is detected, including automated login attempts, credential sharing, or use of anonymising tools, the Company may permanently revoke access to all current and future Services without refund.

Such termination shall not affect the Company’s right to pursue civil or criminal remedies for data theft, credential misuse, or unauthorised duplication of proprietary systems.

6.12 Compliance With Indian Financial Laws

Users shall not utilise MindStocs systems, APIs, or VPS environments for any unlawful activity, including but not limited to:

(a) unauthorised fund pooling or syndicate trading;

(b) unregistered investment advisory or profit‐sharing schemes;

(d) execution of trades on behalf of third parties without SEBI registration.

Violation shall result in instant suspension and reporting to competent authorities as required under Indian law.

7. CONTACT FOR SUPPORT & ESCALATIONS

7.1 Official Communication Channels

All communications, queries, or requests relating to delivery, access, exchange, or support shall be submitted **exclusively** through the Company’s official channels:

**Support Division:**

Email: support@mindstocs.com

Phone: +91 9021008698

Working Hours: Monday to Saturday, 10:00 AM – 6:00 PM (IST)

**Compliance Officer:** compliance@mindstocs.com

**Grievance Officer:** grievance@mindstocs.com

**Postal Address:** 1452 Majgoan Tambalgothan, Sawantwadi, Sindhudurg, Maharashtra – 416510, India

The Grievance Officer shall acknowledge escalations within **48 working hours** and endeavour resolution within **15 business days** of acknowledgement.

No communication made via social media, messaging apps, personal accounts, or unregistered contact sources shall be deemed official or valid.

7.2 Verification of User Identity

(a) All support or escalation requests must originate from the User’s **registered email ID or verified mobile number** linked to their MindStocs account.

(b) The Company may require proof of payment (transaction ID, bank UTR, or gateway confirmation) and partial identity verification (e.g., last four digits of PAN or registered mobile).

(c) Requests from unverified, mismatched, or spoofed contact details shall be rejected to prevent impersonation or fraud.

7.3 Acknowledgement of Communication

Upon receipt of a valid support request, the Company shall issue an **official acknowledgement email within 48 working hours**, containing a unique **ticket or reference number**.

This acknowledgement serves as **prima facie proof** of receipt for audit and grievance tracking purposes.

7.4 Response Timelines

(a) Standard service-related queries shall be addressed within **three (3) to five (5) business days** of acknowledgement.

(b) Complex matters requiring investigation, audit validation, or regulator consultation may take longer, with periodic updates provided to the User.

(c) Delays caused by Force Majeure, payment-gateway dependencies, or compliance verifications shall not constitute a breach of service.

(d) Any delay due to ongoing regulatory examination, statutory hold, or lawful direction from a government authority shall automatically suspend the resolution timeline until clearance is received.

7.5 Escalation Hierarchy

If a User is dissatisfied with the resolution offered by the Support Team:

(a) The matter may first be escalated to the **Compliance Officer** at compliance@mindstocs.com; and

(b) If unresolved, it may be further escalated to the **Grievance Officer**, as notified in the **Privacy Policy** under Rule 3(2) of the **Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021**.

The Grievance Officer shall acknowledge within 48 hours and aim to resolve the matter within 15 business days.

7.6 Grievance Redressal & Record-Keeping

(a) All grievances shall be recorded, timestamped, and securely retained for a minimum of **seven (7) years**, consistent with the **IT Act 2000**, the **Consumer Protection (E-Commerce) Rules 2020**, and the **Digital Personal Data Protection Act 2023**.

(b) All grievance resolutions shall be documented and available for regulatory inspection upon lawful request.

(c) The Company may disclose logs to regulators, consumer forums, or enforcement agencies strictly within the scope of lawful written orders.

7.7 Regulatory & Judicial Cooperation

(a) MindStocs shall cooperate in good faith with any lawful direction from Indian courts, regulators, or the **Data Protection Board of India**.

(b) Disclosures made under such lawful compulsion shall be limited to the necessary information only and logged internally for audit traceability.

(c) MindStocs retains the right to contest overbroad or unlawful data demands consistent with Indian constitutional and data-protection principles.

7.8 Conclusive Proof of Communication

All system-generated records — including emails, CRM logs, acknowledgements, and ticket timestamps — shall constitute **prima facie and authoritative evidence** of communication between the User and the Company.

Contrary claims of non-receipt or delayed response shall be verified solely against internal audit trails and email server records.

7.9 No Liability for Third-Party Interference

The Company shall not be liable for any communication loss, delay, or alteration caused by:

(a) User-side email configuration or network issues;

(b) Spam filters, firewalls, or mail server restrictions;

(d) Errors in contact details provided by the User; or

(e) Spoofing, phishing, or fraudulent impersonation of MindStocs’ communication channels.

Users are encouraged to verify all official communications originating only from the **@mindstocs.com** domain.

7.10 Finality of Support Decisions

Support resolutions, exchange approvals, and technical clarifications issued by authorised Company representatives shall be **final and binding**, except where contrary to mandatory Indian law or subsequently modified upon regulatory review.

Minor administrative or procedural delays not materially affecting service access shall not be deemed deficiency of service.

7.11 Reasonable Assistance & Accessibility

Users requiring accessibility-related assistance may notify **support@mindstocs.com** from their registered email.

MindStocs shall make commercially reasonable efforts to provide alternate assistance methods in compliance with **Government of India Web Accessibility Guidelines (GIGW 3.0)** and the **Rights of Persons with Disabilities Act 2016**, without compromising system security or regulatory compliance.

7.12 Prohibition on Informal Support Channels

The Company shall not recognise or be bound by any communication made through WhatsApp, Telegram, Instagram, Discord, or any non-official medium.

Any claim of “support chat” or “agent confirmation” made through such channels shall be treated as invalid and legally non-binding.

8. LEGAL COMPLIANCE, GOVERNING LAW & JURISDICTION

8.1 Applicability of Indian Law

This Shipping & Exchange Policy (“Policy”) shall be governed by and construed strictly in accordance with the laws of the **Republic of India**.

All rights and obligations of Users and MindStocs are subject to the following statutes and their corresponding rules, as amended from time to time:

(a) The **Indian Contract Act, 1872**;

(b) The **Consumer Protection Act, 2019** and the **Consumer Protection (E-Commerce) Rules, 2020**;

(d) The **Digital Personal Data Protection Act, 2023**;

(e) The **Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021**; and

(f) Any applicable directions or circulars issued by the **Reserve Bank of India (RBI)**, **Securities and Exchange Board of India (SEBI)**, or **Ministry of Electronics & IT (MeitY)**.

8.2 Regulatory Clarification

For abundant clarity, this Policy and all associated Services do **not** constitute or imply:

(a) Deposit-taking, fund management, or collective investment activity under the **RBI Act, 1934** or the **SEBI Act, 1992**;

(b) Insurance, guarantee, or capital protection product under the **IRDAI Act, 1999**; or

All offerings are purely **software-driven technology services** intended for lawful analytical and educational purposes.

8.3 Legal Character of Digital Delivery

(a) Digital activation, access provisioning, or account configuration shall constitute **full and final service delivery** as defined under Section 37 of the **Indian Contract Act, 1872**.

(b) Once credentials or access details are issued via authorised digital channels, the Company’s delivery obligation is deemed complete under Rule 4(5) of the **Consumer Protection (E-Commerce) Rules, 2020**.

(c) Delays or failures caused by incomplete onboarding, incorrect KYC, or User-side device/network issues shall not amount to deficiency in service under the **Consumer Protection Act, 2019**.

(d) System-generated activation logs and timestamped confirmations shall serve as **conclusive evidence** of delivery completion.

8.4 Interpretation & Conflict Resolution

(a) In the event of conflict between this Policy and the **Terms & Conditions** or **Privacy Policy**, the stricter provision ensuring greater **regulatory compliance** and **consumer protection** shall prevail.

(b) Headings and titles are inserted for convenience and do not affect interpretative meaning.

(d) Where any provision of this Policy conflicts with Indian law or regulatory directives, the statutory requirement shall **automatically override** the conflicting clause, without invalidating the remainder of this Policy.

8.5 Jurisdiction & Dispute Resolution

(a) All disputes, claims, or proceedings arising under or in connection with this Policy shall be subject to the **exclusive jurisdiction of competent courts at Sindhudurg, Maharashtra, India**, except where consumer law mandates otherwise.

(b) Parties may, at their discretion, engage in **pre-litigation mediation or online dispute resolution (ODR)** in accordance with the **Consumer Protection (Mediation) Rules, 2020** before approaching a judicial forum.

8.6 Regulatory & Judicial Cooperation

(a) MindStocs shall comply with lawful directions issued by:

(i) Competent Courts of India;

(ii) Consumer Dispute Redressal Commissions;

(iii) The **Data Protection Board of India**;

(iv) The **Cyber Appellate Tribunal** or its successor;

(v) The **CERT-In** (Computer Emergency Response Team of India); and

(vi) Any other authorised regulatory or enforcement agency.

(b) Disclosures pursuant to such lawful orders shall be limited strictly to the necessary scope, logged internally, and retained per statutory audit requirements.

(c) MindStocs shall cooperate with **RBI- or SEBI-regulated payment intermediaries** for lawful investigations, reconciliations, or security verifications.

8.7 Force Majeure

The Company shall not be liable for any delay or non-performance arising from events beyond its reasonable control, including but not limited to:

(a) Payment gateway or banking infrastructure failure;

(b) Network outages, cyberattacks, or malicious code intrusions;

(d) Regulatory embargoes, injunctions, or judicial stays; or

(e) Temporary unavailability of digital infrastructure required for lawful compliance.

During such periods, service timelines shall automatically extend without penalty.

MindStocs shall, however, continue to maintain **data security, privacy, and retention obligations** under applicable law during such events.

8.8 Binding Effect & User Acknowledgement

By transacting or subscribing, the User expressly confirms that they:

(a) Have read, understood, and accepted this Policy in full;

(b) Acknowledge that all deliveries, activations, and exchanges are governed solely by these terms; and

(c) Waive any reliance on third-party communications, verbal assurances, or representations inconsistent with this Policy or Indian law.

8.9 Finality of Policy

This Policy, read together with the **Terms & Conditions**, **Privacy Policy**, and **Refund & Cancellation Policy**, forms the **entire agreement** governing the User’s digital service relationship with MindStocs.

No promotional, verbal, or implied assurance shall amend this Policy unless formally issued in writing and signed by authorised Company representatives.

All prior drafts, promotional content, or contradictory statements are hereby **superseded**.

FINAL DECLARATION

This **Shipping & Exchange Policy** constitutes the complete and conclusive statement of **MindStocs’** obligations and **User rights** relating to digital service delivery, activation, access provisioning, and exchange eligibility.

It forms an **integral and binding component** of MindStocs’ Master Policy Framework, read together with the **Terms & Conditions**, **Privacy Policy**, and **Refund & Cancellation Policy**.

By purchasing, subscribing to, or accessing any digital Service, the User expressly acknowledges, agrees, and confirms that:

1. All Services are digitally delivered; no physical shipment, courier, or tangible product is involved under any circumstance;

2. Digital fulfilment through access credentials, activation keys, API permissions, or dashboard logins shall constitute **complete and final performance** of the Company’s delivery obligations;

3. Any permitted exchange or migration shall strictly adhere to the timelines, verification procedures, and eligibility criteria prescribed under this Policy;

4. The User has read, understood, and voluntarily accepted this Policy without reliance on any verbal assurance, marketing statement, or external representation inconsistent with its terms;

5. Acceptance of this Policy through digital means—such as website access, payment completion, or registration confirmation—constitutes a valid and enforceable contract under **Section 10A of the Information Technology Act, 2000**; and

6. This Policy is legally binding upon both parties and enforceable under the laws of India, subject to jurisdiction defined in Clause 8 herein.

MindStocs reserves the right to **update, amend, or revise** this Policy periodically to ensure continued compliance with evolving laws, regulatory directives, or internal governance standards.

All amendments shall be published on the official website (**www.mindstocs.com**) and may also be communicated via the User’s registered email address, where applicable.

Any such amendment shall take effect **immediately upon publication**, unless a later effective date is specified.

Users are advised to review this Policy at regular intervals.

Continued use of MindStocs’ digital Services after publication of any modification shall constitute **conclusive acceptance** of the updated Policy in its entirety, as per Section 11 of the **Information Technology Act, 2000** and the **Digital Personal Data Protection Act, 2023**.

**Official Contact:**

MindStocs

1452 Majgoan Tambalgothan,

Sawantwadi, Sindhudurg, Maharashtra – 416510, India

**Email:** support@mindstocs.com

**Phone:** +91 9021008698

**Working Hours:** Monday to Saturday, 10:00 AM – 6:00 PM IST

**Document Control:**

- **Effective Date:** 27-Sep-2025

- **Last Updated:** 27-Sep-2025

- **Jurisdiction:** Sindhudurg, Maharashtra, India

- **Policy Type:** Digital Service Delivery, Exchange & Compliance Framework

Unauthorized reproduction, redistribution, or adaptation of this Policy is strictly prohibited and may attract civil or criminal liability under applicable Indian laws.

MindStocs operates in full compliance with the **Information Technology Act, 2000**, **Consumer Protection Act, 2019**, and **Digital Personal Data Protection Act, 2023**.

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