© 2025 Trend Reversal
Terms and Conditions
General
In terms of the Information Technology Act, 2000, this document is an electronic record. Being generated by a computer system it does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms of Use for access or usage of the Website (as defined below) and/or Application (as defined below).
This website by the URL (www.trendreversal.in) and all the web–pages, hyperlinks, tools, and Services ("Website" "Site") and the mobile application by the name of 'Trend Reversal' ("Application") provided thereunder is owned and operated by Trend Reversal Analytics Private Limited, a private limited company registered under the Indian Companies Act, 2013 (hereinafter referred to as "Trend Reversal", "Company") and having its registered office at Golden-I, Shop No. 442, Block-T3, Plot No. 11, Gautam Buddha Nagar, Gautam Buddha Nagar-201318, Uttar Pradesh.
The expressions "You", "Your" or "User", whenever the context so requires, for the purposes of these Terms of Use, shall mean any natural or legal person who may create by registration, membership account on this Website and/or Application or agree to avail Our Services through this Website and/or Application or registers through different mediums available online i.e. google ads, channel partners etc., or otherwise access Our Website and/or Application for use of the "Service" ( Trend Reversal web-based, application integration platform) accessed on the Website ("Our", "Us", "We").
These terms and conditions ("Terms of Use") shall govern your access to and use of the Services, Website and/or Application however accessed, as well as any and all information of whatever kind and nature appearing on the Website and/or Application or otherwise available through the Services. Please read these Terms of Service carefully before using the Website and/or Application; Your access to and use of the Services is conditioned on Your acceptance of and compliance with these Terms of Use. By accessing the Website and/or Application or using the Services in any way, You agree to and are hereby bound by these Terms of Use. If You do not agree to all of the terms and conditions contained herein, do not use the Services, or access them through the Website and/or Application. Unless explicitly stated otherwise, any new features which may be added to the Services, including the release of new services or capabilities, are subject to these Terms of Use.
We may, in our sole discretion, make changes to these Terms of Use, from time to time with or without notice to You. Each time changes are made to these Terms of Use, a revised version of these Terms of Use will be posted on the Website and/or Application. Your continued use of the Service following such changes constitutes your acceptance of any such changes. You can check, from time to time, the most current version of these Terms of Service. At all times, the latest version of these Terms of Service shall be binding and prevail over any other version. Furthermore, We reserve the right to amend, discontinue, limit, disable, terminate, or cancel any feature of the Services at any time.
Acceptance of the Terms and Conditions
Please read these Terms carefully before You use the platform since they constitute the agreement between (a) You; (b) Us; (c) The Distribution Partner or Vendor Partner shall collectively be referred to as "Affiliates". By using the Platform, You agree to be bound by these Terms, our Privacy Policy and our Disclaimer Document. Even if You only visit the Platform or review any of the offerings available on the Platform, You will be bound by these Terms, the Privacy Policy and the Disclaimer Document. If You do not accept these Terms, the Privacy Policy and the Disclaimer Document, You must not access or use the Platform.
For accessing or using the Platform, You agree to:
Provide true, accurate, current, and complete information about yourself as prompted for on the Platform; and
Maintain and promptly update Your information to keep it true, accurate, current, and complete.
If You provide any information that is untrue, inaccurate, not current, or incomplete, or if We have reasonable ground to suspect that such information is untrue, inaccurate, not current, or incomplete, We reserve the right to suspend or terminate or freeze Your access to the Platform (or any portion thereof), at any time without notice. You understand that the Company shall not accept any liability which may arise as a consequence of any erroneous information provided by You
We will collect and store Your information such as username, name, e-mail address, contact information, etc., in a database. Based on the information provided by You, You may be provided with a login identification for a designated account (such as a username and password, a guest identification or any other identifier). You are solely responsible for all activities carried out through Your designated account and You must notify Us immediately of any unauthorized use or other security breach relating to Your designated account.
We reserve the right to freeze or terminate Your designated account on the Platform to comply with applicable laws or follow the order of a court of competent jurisdiction or directions/orders of any regulatory body or government authority.
For information about the Company's policies and practices regarding the collection and use of Your personal information, please read the Privacy Policy. It is clarified by Us and agreed and acknowledged by You that in the event of any breach or non-compliance by You with the Privacy Policy, We may take any action under these Terms or any applicable laws.
Upon Your consent to these Terms and other policies, We hereby grant You a limited, personal, revocable, non-assignable, non-transferable, and non-exclusive license to use the Platform and offerings available on the Platform. This license is for the sole purpose of enabling You to avail the offerings available on the Platform in the manner expressly permitted by these Terms and other policies.
It is clarified that the Privacy Policy and disclaimers form an integral part of these Terms and should be read contemporaneously with the Terms. Illegality or unenforceability of one or more provisions of these Terms shall not affect the legality and enforceability of the other terms of the Terms. For the avoidance of doubt, if any of the provisions become void or unenforceable, the rest of the provisions of these Terms shall be binding upon the User.
Registration on the Platform
Users, as may be approved by Trend Reversal, shall have the right to use the Service provided by Trend Reversal via its Website and/or Application.
Users who are competent to contract under the Indian Contract Act, 1872, are eligible to register themselves as members on the Website and can avail Our Services. Persons who are competent to contract would mean and include every person who (i) has completed 18 years of age (as per The Indian Majority Act, 1875); (ii) is of sound mind; and (iii) not disqualified from contracting by any law for the time being in force in India.
Services/Products Displayed or Offered
1. Fixed Deposits/Debt Securities
The Company manages and operates a digital content and information platform on matters related to inter alia, fixed deposits, Listed debt securities, Listed municipal debt securities, Listed securitised debt instrument, Listed government Securities and known as 'Trend Reversal', which can be accessed through the website https://www.trendreversal.in/ and the Trend Reversal mobile application.
The Company, through the Platform, inter alia allows the User to find, compare, choose and track investments in Fixed Deposits of banks and non-banking financial corporations partnered with the Company or its Vendors/Partners ("Partner Banks and NBFCs").
To invest in fixed deposits through the Platform, based upon the comparison provided by the Platform, the Platform will facilitate the booking of fixed deposits through SDK or API integration with a third party (Business Correspondent or Direct Selling Agent), Partner Banks and NBFCs or Vendors/Partners
The functions of the Platform require an internet connection to operate fully. For example, the generation of notifications depends on the system settings of the device on which the Platform is installed and requires such device to be connected to the internet. To use the offerings available on the Platform, Users must ensure that the concerned device has stable access to the internet for the functionalities to perform, as intended.
All bookings on fixed deposits can be made only through the Platform. The Platform allows the User to make payments through their individual bank accounts. The principal investment and interest thereof, if any, shall be transferred back to the bank account, upon the maturity of the Fixed Deposit, through which the payment is made on the Platform. You may please note that the returns on any investment are subject to market risk, and You should read all the related documents carefully and make an independent evaluation before investing.
Vendor/Partner terms and conditions are valid on products offered on the platform if users book fixed deposits or any other debt securities through US. The same can be accessed on their respective websites.
2. Digital Precious Metals (Gold or Silver)
The Company has partnered with a third party ("Digital Gold Partner") and the Digital Gold Partner is offering the services of purchase and sale of gold through the Platform
The gold purchased and available in your account shall be stored with a custodian under the charge of an independent administrator who is responsible for protecting your interests. Such custodian is appointed by the Digital Gold Partner.
The Company may be required to verify your identity, contact details and/or bank account information, as may be required by law or in accordance with the requirements of the Digital Gold Partner
The Company may be required to share your information (including information related to identity, contact details and bank account) as may be required by the Digital Gold Partner to provide you services pertaining to digital gold
The price of gold displayed on the Platform and used for transacting in gold is provided by the Digital Gold Partner
The gold that is purchased through the Platform is purchased by you on a prepayment basis i.e. once you confirm a transaction for the purchase of Gold, money will be due from you.
You will not be able to cancel or request refund for any quantity of Gold once you have confirmed the transaction of purchase of Gold. Further, there shall be no refund or return option available once you have confirmed the transaction of purchase of Gold. You may place a sell request after the purchase transaction has been successfully processed.
If the purchase order has been placed, but funds have not been received by the Digital Gold Partner within a time period of such business days that may be defined from time to time (currently 3 business days) from the date of order:
The order shall be cancelled and reversed;
or in the event you place a sell order for a Gold owned by you, the Digital Gold Partner can withhold and set off the amounts realized from the sale of the Gold in question against the amount due and payable by you for the buy order placed for the Gold in question.
However, in the event the Digital Gold Partner receives the funds for the buy order, then in such an event the Digital Gold Partner shall release any withheld amounts against a corresponding sell order.
You have the option to request physical delivery of gold directly with the Digital Gold Partner. The Platform is not obliged to provide this option. The responsibility of physical delivery of gold is with the Digital Gold Platform and the Company is not responsible for the same, in any manner whatsoever.
The invoice with respect to the purchase of gold shall be provided by the Digital Gold Partner
You would be provided with free storage of physical gold for a time period as may be decided by the Digital Gold Partner (currently 5 years). In the event, you do not take delivery of the Gold within the free storage period, the Digital Gold Partner would be entitled to levy a storage charge and sell and dispose of such Gold to the extent necessary to recover the storage charge.
You would be required to take physical delivery of gold within the Maximum Storage Period (currently 10 years). In the event that you do not take delivery of your gold within the Maximum Storage Period, the Digital Gold Partner shall be entitled to sell the gold at the prevailing prices and transfer the sale proceeds to you.
The terms of use of the Digital Gold Partner are available here
Privacy and data protection
We shall use Your data specifically for providing the offerings available on the Platform in accordance with our Privacy Policy.
You hereby provide Your explicit consent to share Your data with Us, the Affiliates, Partner Banks and NBFCs and our associate/affiliate entities or Vendors/Partners to the extent required by Us to provide the Offerings of the Platform, enhance the user experience, build affluence scores/ user insights, analyse data for the introduction of new Offerings on the Platform and features, and as may be required to comply with any regulatory requirements.
Force Majeure
We shall not be liable if any transaction does not fructify or may not be completed or for any failure on our part to perform any of our obligations under these Terms or those applicable specifically to our facilities if such performance is prevented, hindered or delayed by a Force Majeure Event (defined below) and in such a case, its obligations shall be suspended for so long as the Force Majeure event continues.
You also acknowledge and agree that We are not responsible for the availability of the Platform, nor are We liable for its performance. You explicitly agree that if You suffer any loss or damage on any products or Offerings on the Platform that You purchase from the Platform or by Force Majeure Event, We will not be liable for any such loss or damage. Further, any cancellations, refunds or redemptions, shall be determined as per the applicable policies.
A Force Majeure Event shall mean any event due to any cause is beyond our reasonable control, including without limitation, unavailability of any communication systems, breach or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, earthquakes, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer, computer system, computer data, computer network and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corruptive code or program, mechanical or technical errors/failure or power shut down, breach of security and encryption (provided it is beyond our reasonable commercial control), power or electricity failure or unavailability of adequate power or electricity, etc.
Disclaimer of Warranties
The Services are provided on an "as is" and "with all faults" basis, and without warranty or condition of any kind, either express or implied. Warranties of merchantability, fitness for a particular purpose, accuracy, completeness, correctness, freedom from interruption, viruses or other defects, and non-infringement.
Disclaimers
You understand and acknowledge that purchase of the assets listed on the Platform is speculative in nature and involves a high degree of risk, including the risk of loss of capital, and is not guaranteed. The Platform is suitable only for sophisticated investors who fully understand and are capable of bearing the risks of purchasing such assets. Users should only purchase assets if he/she is able to withstand a total loss of capital. No guarantee or representation is made by us that You will achieve Your investment objectives or will receive a return of Your capital. The buyers of the assets/securities available on the platform should be aware that such assets/securities are illiquid in nature and there is no guarantee that they may be able to sell/redeem such assets/securities, with or without capital depreciation. Trend Reversal does not promise to process any withdrawal requests or provide any avenues to liquidate such holdings, and the asset will be locked in till maturity. Trend Reversal does not endorse or promote any of the opportunities that appear on this Platform nor make any recommendations regarding the same to any User. Users must not construe anything on the Platform as investment, business, legal or tax advice and the content contained herein does not constitute an offer by Trend Reversal to sell, solicit or make an offer to buy an investment interest. Any information made available from the Platform does not represent a solicitation of an offer to buy or sell any property.
You further understand that Trend Reversal shall not be construed as a fundraising platform or a stock exchange recognised by the SEBI under the Securities Contract (Regulation) Act, 1956, or their equivalent.
Any blogs, content including FAQs and information available on Trend Reversal, available on the Platform is merely for educational purposes and to disseminate general information about the product(s)/service(s) offered through the Platform. Nothing contained in the blog(s), or content(s) available on the platform are to be construed as legal opinion or investment advice. Neither Trend Reversal nor the entity(ies), the person(s) associated with it makes any representations, warranties, or guarantees whatsoever as to the blog(s), content(s) available on Platform wholly or in part, including that of the accuracy or completeness of the information provided therein. In no event shall the Trend Reversal and/ or its associated entity(ies), a person(s) be liable for any direct, indirect, punitive, incidental, special or consequential damages which may arise as a result of a person acting upon or using the statements, information, ideas, opinions made in the blogs and content including FAQs available on the platform.
Other Disclaimers:-
1) General Disclaimer:
The logos and trademarks used on this app/website are the property of their respective owners. Their inclusion here is solely for the purpose of comparison and does not imply endorsement, affiliation, or sponsorship of our services by the respective banks or NBFCs or Vendors/Partners.
2) Rate Comparison Disclaimer:
The displayed rates of interest for fixed deposits (FDs) are for informational purposes only and are subject to change. Please verify the current rates with the respective banks or NBFCs before making any financial decisions. The inclusion of logos and trademarks does not guarantee the accuracy or availability of the rates.
3) Third-Party Disclaimer:
Our app/website may contain links or references to third-party websites or services. We do not endorse, control, or guarantee the accuracy, relevance, timeliness, or completeness of any third-party content, products, services, or websites. Any reliance you place on such information is strictly at your own risk.
4) Accuracy Disclaimer:
While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on this app/website for any purpose.
5) Consultation Disclaimer:
This app/website does not provide financial advice. The information provided is intended for general informational purposes only and should not be construed as professional financial advice. For personalized advice regarding your specific financial situation, please consult with a qualified financial advisor or institution.
6) Copyright and Fair Use Disclaimer:
The use of logos and trademarks is in accordance with the principles of fair use and for the purpose of comparative analysis only. Any unauthorized reproduction or distribution of these logos and trademarks is strictly prohibited and may violate copyright laws.
Communication Consent
By registering on our platform, you expressly consent and agree to receive communications from Us and Our authorized partners, service providers, and affiliates. These communications may be sent via, but are not limited to:
- RCS Messages
- SMS/Text Messages
- Push Notifications
- In-app Notifications
- Or any other communication medium deemed relevant by us from time to time
These communications may include, but are not limited to, important transactional updates, service-related information, promotional offers, account alerts, product recommendations, and regulatory notices. You acknowledge and agree that such communications are necessary for the effective delivery of our services and for keeping you informed. While you may opt out of receiving promotional communications by following the unsubscribe instructions provided in such messages, certain service-related and regulatory communications are mandatory and cannot be opted out of.
Limitation of Liability
You acknowledge and agree that in no event will Trend Reversal (including, without limitation, our affiliates/Vendors/Partners and their respective officers, directors, employees and agents) have any responsibility or liability for the deletion of, or the failure to store or to transmit your content and other communications maintained by the Service. You are solely responsible for any risks associated with the use of our services including unavailability of uninterrupted, timely, virus free service. While We make every attempt to make your access and use of our service safe, damage to your systems or data because of its use shall be your responsibility. We shall not be liable for any direct, indirect, special, punitive, incidental or consequential damages or loss arising out of the use of our services or our Website.
Interpretation
This Agreement, which includes our Privacy policy, constitutes the entire agreement of the parties with respect to the subject matter hereto and supersedes and cancels all prior and contemporaneous agreements, claims, representations and understandings of the parties in connection with the subject matter hereof, oral or written.
If any provision of these Terms of Use shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions.
Trend Reversal's failure to enforce the strict performance of any provision of this Agreement will not constitute a waiver of Trend Reversal's right to subsequently enforce such provision or any other provisions of this Agreement. No waiver of any provision of this Agreement shall be effective unless in writing.
Indemnification
You agree to release, defend, indemnify, and hold harmless, Us, the Affiliates, associate companies, directors, officers, employees, consultants, representatives, agents, and partners of the Company and the Affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs or expenses (including but not limited to attorneys' fees and costs) arising from:
Your access to and use of the Platform;
Your violation of any clauses of these Terms, the Privacy Policy and other applicable policies;
Your violation of any third party right(s), including and without limitation to any copyright, property, or privacy right;
Any third-party actions relating to the access/use of the Platform whether authorised or unauthorised; and/or
Your violation of any applicable law(s).
Disputes
Any dispute, controversy or claim arising out of or in relation to this Agreement or the breach, termination or invalidity thereof, shall be settled by arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 2019. The arbitrator shall be appointed by the Company. The place of arbitration shall be New Delhi and any award whether interim or final, shall be made, and shall be deemed for all purposes between the Parties to be made, in New Delhi. The arbitral procedure shall be conducted in the English language and any award or awards shall be rendered in English. The procedural law of the arbitration shall be Indian law. The award of the arbitral tribunal shall be final, conclusive and binding upon the Parties.
Contact Details
If You have any questions or concerns with respect to this Terms of Use or the Website or any information contained on thereon, You may contact Us by writing an email to Us at contact@trendreversal.in.
Last updated: 01/08/2025