Clear terms. Your data remains yours.

1. Acceptance of terms

By accessing or using ClearMarket’s website, app, account tools, market research, portfolio features, Personal Finance workspace, imports, connected services, APIs, support pages, or contact forms, you agree to these terms and the Privacy Policy. If you do not agree, do not use the service.

2. Beta status

ClearMarket is currently a beta/testing platform. Features may be experimental, incomplete, delayed, unavailable, removed, or changed. Market coverage, calculations, statement parsers, email connections, Personal Finance categories, notifications, backups, and other workflows may evolve as we test reliability and product fit.

3. Eligibility and accounts

You must be legally capable of accepting these terms, provide accurate account information, and keep it current. You are responsible for protecting your login credentials, devices, Google sign-in access, two-factor authentication settings, sessions, and activity under your account. Notify us promptly if you suspect compromise. ClearMarket may suspend, restrict, or terminate accounts that appear fraudulent, abusive, insecure, inactive, or in breach of these terms.

4. Use of the service

You may use ClearMarket for lawful personal market research, portfolio tracking, Personal Finance record keeping, watchlists, alerts, fund research, and IPO tracking. You agree not to:

• Use the service for unlawful, misleading, abusive, or harmful activity.
• Attempt unauthorized access to accounts, admin areas, APIs, servers, or data.
• Scrape, crawl, copy, reverse engineer, or overload the platform without written permission. This does not prevent use of an export or backup feature ClearMarket provides for your own User Data.
• Submit false, offensive, malicious, or spam content through support or contact forms.
• Interfere with security controls, rate limits, captcha, or platform availability.

5. User Data ownership and our limited licence

“User Data” means personal, financial, portfolio, transaction, statement-derived, support, and other content you enter, upload, connect, or generate in your account. You retain ownership of and responsibility for your User Data. ClearMarket does not claim ownership of User Data merely because it is processed through the service.

You grant ClearMarket a limited, non-exclusive licence to host, process, organise, display, transmit, back up, and delete User Data only as reasonably necessary to provide requested features, maintain security, respond to support, comply with law, and enforce these terms. This licence ends when the relevant User Data is deleted, subject to lawful retention, backup, and technical deletion cycles.

6. Personal Finance data and your responsibility

You decide what Personal Finance data to enter, upload, connect, import, correct, export, or delete. You are responsible for its accuracy, completeness, legality, relevance, and for having authority to provide data concerning another person. Do not provide passwords, OTPs, full payment credentials, or unrelated sensitive material.

ClearMarket may generate categories, summaries, matches, balances, due-date views, insights, or other derived information from your inputs. You must review and verify those outputs against authoritative statements and records. ClearMarket does not own your underlying User Data or become responsible for the financial obligations represented by it.

7. Statement uploads and connected services

When you upload a supported statement, you instruct ClearMarket to process it to extract financial records. The feature is designed not to retain the original uploaded file after processing, but reviewed or imported records may be stored in your account or browser.

If you choose to connect Gmail, you expressly authorize the read-only scope shown during consent. ClearMarket records connection and consent metadata and is designed to retain derived finance records rather than raw email bodies. You may disconnect the connection, but disconnection may not automatically delete derived records already saved. Connected features can remain unavailable until third-party authorization and server capability are enabled.

8. Market data and financial disclaimer

Market data, NAVs, returns, ratios, histories, holdings, IPO information, news, analytics, and computed fields are provided for research and education. They may be delayed, incomplete, stale, incorrect, adjusted, or unavailable. Past performance does not guarantee future results. ClearMarket does not provide investment, tax, legal, accounting, banking, brokerage, execution, portfolio-management, or advisory services.

9. Portfolios, alerts, calculations, and notifications

Portfolios, balances, watchlists, price alerts, SIP or EMI schedules, bills, goals, notifications, categories, and analytics are convenience tools. You are responsible for independently verifying amounts, holdings, transactions, tax treatment, fees, dates, due dates, and decisions. Alerts and notifications may be delayed, missed, duplicated, or unavailable.

10. Backup, deletion, and record keeping

You are responsible for maintaining copies of User Data you need for financial, tax, legal, or record-keeping purposes. ClearMarket backup and export tools are conveniences and are not guaranteed archival services. Moving a record to Trash may not permanently delete it until you use the available permanent-delete control or the applicable retention cycle completes.

Deleting or disconnecting a source may not delete copies you previously exported, device-local records, derived records saved separately, or limited records retained for security, compliance, fraud prevention, dispute handling, or backup cycles.

11. Third-party services and data sources

ClearMarket may rely on public data sources, exchange publications, fund disclosures, RSS feeds, Google services, email providers, hosting, storage, security, analytics, and other vendors. Their availability, accuracy, authorization, rules, and policies are outside ClearMarket’s control. Your use of a connected provider is also governed by that provider’s terms and privacy policy.

12. ClearMarket intellectual property

Your ownership of User Data does not transfer ownership of ClearMarket’s platform. ClearMarket owns or licenses its software, code, branding, design, documentation, original editorial content, workflows, and other platform materials. Market data and third-party content remain subject to their respective rights and source terms.

13. Availability, support, and communications

We may change, suspend, restrict, or discontinue parts of the service for maintenance, security, product development, data-source changes, legal reasons, or operational constraints. We do not guarantee uninterrupted availability. Messages submitted through contact or support surfaces may be stored and reviewed to respond, prevent abuse, improve the service, and maintain records.

14. Privacy and security

Our handling of personal information is described in the Privacy Policy. Your responsibility for User Data does not remove ClearMarket’s responsibility to use reasonable safeguards and meet applicable legal obligations. No online service is risk-free. You must use appropriate account security and report suspected unauthorized access promptly.

15. Limitation of liability

To the maximum extent permitted by law, ClearMarket is not liable for indirect, incidental, special, consequential, investment, tax, credit, payment, or other financial losses arising from use of the service, reliance on data or derived outputs, missed alerts, imports, third-party services, or interruptions. Nothing in these terms excludes liability that cannot lawfully be excluded.

16. Changes and governing law

We may update these terms as the product or law changes. The latest version will be posted here with an updated date; material changes may also be communicated through the product or email. Continued use after the effective date means you accept the updated terms.

These terms are governed by the laws of India. Disputes are subject to the exclusive jurisdiction of courts in Bengaluru, India, unless applicable law requires otherwise.