Terms and Conditions

Definitions and Interpretation

In these Terms and Conditions, unless the context otherwise requires:

Agreement to Terms

2.1 Acceptance of Terms

Your use of our services constitutes acceptance of these Terms. If you do not agree to these Terms, you must not use our platform or services.

2.2 Electronic Signature

By clicking "I Agree", "Accept", creating an account, or using our services, you agree that:

• You are entering into a legally binding contract
• Your electronic acceptance has the same legal effect as a handwritten signature
• You have the authority to enter into this Agreement
• You will comply with all terms and conditions herein

2.3 Additional Agreements

These Terms incorporate by reference:

• Privacy Policy
• Refund Policy
• Cancellation Policy
• Delivery Policy
• Risk Disclosure Statement
• Any other policies referenced herein

Eligibility Requirements

3.1 Age and Legal Capacity

To use our services, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Have full legal capacity to enter into binding contracts
• Not be prohibited from using our services under any applicable law
• Be acting on your own behalf (unless properly authorized)

3.2 Global Availability

Our platform and subscription services are available to users worldwide. You are responsible for ensuring that your access and use comply with the laws applicable in your country or region.

3.3 Customer Focus

Indoh Market Data is a retail-trader market research SaaS platform. We provide digital research tools and dashboards for individual users. We are not a bank, broker, investment firm, or financial institution, and we do not classify users as Professional clients, Eligible Counterparties, or similar regulated-client categories used by licensed financial service providers.

Subscription plan names such as Basic, Pro, and Premium refer only to software feature tiers — not regulatory client classifications.

Account Registration and Verification

4.1 Registration Process

To open an account, you must:

• Complete our online registration form accurately and truthfully
• Provide a valid email address and create a secure password
• Verify your email when prompted
• Agree to these Terms and all related policies

Because we provide research software access and do not hold client funds or execute trades, we do not operate as a licensed financial institution and do not apply brokerage-style KYC/AML onboarding by default.

4.2 Optional Verification

We may, in limited cases (for example fraud prevention, payment disputes, or legal compliance), ask you to confirm identity or account details. Where requested, acceptable documents may include:

4.3 Account Approval

We reserve the right to:

• Approve, delay, or reject any account registration
• Request additional information to protect the platform or resolve billing issues
• Refuse or limit service where we reasonably believe there is fraud, abuse, or legal risk
• Limit features based on plan tier or verification status when verification is requested

4.4 Plan Tiers

Platform access is offered by subscription tier:

• Basic: Free (R0.00) access to core tools (with limits)
• Pro: R80.00 per month (ZAR) — full scanner, sentiment, COT, and priority support
• Premium: R150.00 per month (ZAR) — advanced analytics, Gold Intelligence Engine, central bank monitor, highest support tier

These are software plans only — not brokerage or trading accounts.

Account Security and Responsibilities

5.1 Login Credentials

You are responsible for:

• Maintaining the confidentiality of your username and password
• Using strong, unique passwords
• Enabling two-factor authentication (2FA)
• Not sharing your credentials with any third party
• Immediately notifying us of any unauthorized access
• Logging out after each session on shared devices

5.3 Information Accuracy

You must:

• Provide accurate and current information at all times
• Update your personal information within 30 days of any change

Services and Platform Features

6.1 Goods and Services Offered

Indoh Market Data is a digital market research and analytics platform operated online. We provide subscription-based access to market research tools and related digital services, including but not limited to:

• Forex and commodity analytics, market sentiment, and retail positioning data
• Commitment of Traders (COT) positioning data and analysis
• Seasonality analysis, macroeconomic research, and economic news dashboards
• Top setups / multi-factor bias scores for major currencies and assets
• Central bank monitor, market scanners, put/call ratio, and currency strength tools
• Gold Intelligence Engine and educational resources on paid tiers

All products are digital subscription services delivered electronically through your online account. We do not sell or ship physical goods.

6.2 Platform Access

We provide:

• Web-based dashboards and tools
• Account settings, notifications, and optional email alerts
• Educational resources

6.3 Additional Services

Subject to eligibility and plan tier, we may offer:

• Promotional ads and optional verification services
• Priority support on paid plans

6.4 Service Modifications

We reserve the right to modify, suspend, or discontinue any feature, data feed, or plan benefit with reasonable notice where practicable.

Platform Use and Insights

7.1 Informational Purpose

All scores, signals, dashboards, and content are for research and education only. They are not investment advice, a recommendation to buy or sell, or a guarantee of future performance.

7.2 No Leverage or Brokerage

We do not offer:

• Leverage, margin, or CFD/fx execution
• Client fund custody, trading accounts, or order routing
• Guaranteed fills, spreads, or execution quality

7.3 Your Responsibility

You are solely responsible for decisions made using external brokers or platforms. Verify all data independently before acting on it.

7.4 Data and Display

We aggregate and score data from multiple sources. Displayed values may differ from official or real-time feeds. Timestamps and refresh intervals are shown where available.

Subscription Fees and Charges

8.1 Subscription Plans

Access to premium features is offered through subscription tiers (e.g. Basic, Pro, Premium) as shown on our website. Fees are billed monthly or as otherwise stated at checkout. We welcome customers worldwide. Online subscription payments are processed and settled in South African Rand (ZAR) on our merchant account; if your card is issued in another currency, your bank or card issuer may convert the amount and apply its own exchange rate and fees.

8.2 Marketplace and Add-Ons

Separate charges may apply for:

• Promotional ad credits and optional verification services

8.3 Fee Changes

We may change subscription prices with reasonable notice. Continued use after the effective date constitutes acceptance of updated pricing.

Subscriptions and Payments

9.1 Subscription Billing

When you upgrade from a free trial or Basic plan:

• Payment is processed through our designated payment provider
• Subscriptions renew automatically unless cancelled before the renewal date
• Downgrades typically take effect at the end of the current billing period
• How to cancel and when access ends is set out in our Cancellation Policy

9.2 Refunds

As our products are digital subscriptions, refunds are generally not provided once a subscription has started and the service has been accessed. Refunds may be considered in limited circumstances (duplicate billing, unauthorized charges, or verified technical issues preventing access). Refund requests must be submitted within 14 days of the charge. Full details are in our Refund Policy. Contact info@indohmarketdata.co.za for billing questions.

9.3 Failed Payments

If a subscription payment fails, we may suspend premium access until payment is resolved.

Prohibited Activities and Conduct

10.1 Misuse of Insights

You may not:

• Repackage or resell Platform data without authorization
• Scrape, bulk-download, or reverse engineer dashboards or APIs
• Present Indoh Market Data scores as guaranteed trading advice to third parties
• Use automated tools to overload our systems

10.2 Account Violations

Prohibited account activities:

• Creating multiple accounts without authorization
• Using false or misleading information during registration
• Sharing account access with third parties
• Allowing unauthorized third parties to access your account
• Transferring accounts to other individuals
• Using accounts for money laundering or illegal activities

10.3 Platform Abuse

You may not:

• Attempt to reverse engineer or decompile our software
• Use automated tools to scrape data from our platform
• Overload our systems with excessive API requests
• Introduce viruses, malware, or harmful code
• Attempt unauthorized access to any system or data
• Interfere with other users' access to the platform

10.4 Consequences

Violation of these terms may result in:

• Immediate account suspension or termination
• Reporting to regulatory authorities
• Legal action to recover damages
• Permanent ban from our services

Risk Disclosure and Warnings

11.1 Acknowledgment of Risks

By using our services, you acknowledge and accept:

• Indoh Market Data does not execute trades or provide personalized investment advice
• Data and scores may be delayed, incomplete, or revised
• Past performance does not guarantee future results
• Market conditions can change rapidly and unpredictably
• You are solely responsible for decisions made with your own broker or advisor

11.2 No Guarantee

We make no representations or warranties regarding:

• Future profitability or performance of any strategy you pursue elsewhere
• Accuracy or completeness of market data or analysis
• Suitability of any insight for your personal situation
• Platform availability or functionality at all times

Limitation of Liability and Disclaimers

12.1 Exclusion of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness
• Uninterrupted or error-free operation

12.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

• Any trading losses or lost profits
• Loss of opportunity or business
• Indirect, consequential, or special damages
• Damages arising from platform downtime or technical issues
• Losses due to market conditions or volatility
• Errors in data, quotes, or execution
• Third-party service failures

12.3 Maximum Liability

Our total liability to you for any claim shall not exceed:

• The fees you paid to us in the 12 months preceding the claim, or
• $10,000, whichever is lower

12.4 Force Majeure

We are not liable for failure to perform due to:

• Acts of God, natural disasters
• War, terrorism, civil unrest
• Government actions or regulatory changes
• Strikes, labor disputes
• Internet or telecommunications failures
• Power outages or technical failures beyond our control
• Market closures or suspensions

Intellectual Property Rights

13.1 Our Property

All content on our platform, including but not limited to:

• Software code and algorithms
• Trademarks, logos, and branding
• Text, graphics, and images
• Market analysis and research
• User interface design
• Database structures and data

...is owned by us or our licensors and protected by intellectual property laws.

13.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use our web platform for personal research and education
• View and download content for personal reference

13.3 Restrictions

You may not:

• Copy, modify, or distribute our software
• Reverse engineer or decompile our code
• Remove copyright or proprietary notices
• Use our trademarks without written permission
• Create derivative works based on our platform
• License, sell, or transfer your access rights

Data Protection and Privacy

14.1 Data Collection

We collect and process your personal data as described in our Privacy Policy, including:

• Identity and contact information
• Subscription and billing records
• Feature usage and preferences
• Device and usage information
• Communications with us

14.2 Data Use

We use your data to:

• Provide and improve our services
• Comply with legal and regulatory obligations
• Prevent fraud and ensure security
• Communicate with you about your account
• Personalize your experience

14.3 Your Rights

Subject to applicable law, you have the right to:

• Access your personal data
• Correct inaccurate information
• Request deletion of your data
• Object to certain data processing
• Data portability

For complete information, please refer to our Privacy Policy.

Termination and Account Closure

15.1 Your Right to Terminate

You may close your account at any time by:

• Submitting a closure request through your account dashboard
• Contacting our customer support
• Sending written notice to our registered address

Before closure, you must:

• Export any data we provide while your account remains active
• Settle any outstanding fees or charges

15.2 Our Right to Terminate

We may suspend or terminate your account immediately if:

• You violate these Terms
• You engage in prohibited activities
• Your account is inactive for more than 12 months
• We are required to do so by law or regulation
• We suspect fraud or illegal activity
• You become ineligible to use our services
• We discontinue services in your jurisdiction

15.3 Effects of Termination

Upon termination:

• Your access to the platform will be revoked
• Your data will be retained as required by law
• You remain liable for any outstanding obligations
• Sections that should survive termination will remain in effect

Dispute Resolution and Complaints

16.1 Complaints Procedure

If you have a complaint:

• Step 1: Contact our customer support at info@indohmarketdata.co.za
• Step 2: If unresolved, escalate to info@indohmarketdata.co.za
• Step 3: We will acknowledge your complaint within 2 business days
• Step 4: We will investigate and respond within 15 business days
• Step 5: If still unresolved, you may escalate to our ombudsman or regulator

16.2 Alternative Dispute Resolution

If we cannot resolve your complaint internally, you may refer it to an appropriate dispute resolution body in South Africa, including:

• South Africa: National Consumer Commission (NCC) or relevant industry ombud where applicable
• Cross-border users: Your local consumer protection authority, where applicable law allows

16.3 Arbitration

For disputes not resolved through the above processes:

• Disputes will be resolved through binding arbitration where permitted by law
• Arbitration will be conducted in English
• Arbitration will take place in Johannesburg, Gauteng, South Africa, unless otherwise required by law
• Each party bears its own costs unless otherwise decided

16.4 Class Action Waiver

You agree that:

• Claims must be brought individually, not as part of a class action
• You waive the right to participate in class action lawsuits
• This waiver does not apply where prohibited by law

Amendments and Updates

17.1 Right to Modify

We reserve the right to modify these Terms at any time. When we make changes:

• We will update the "Last Updated" date at the top of this document
• We will notify you via email for material changes
• We will display a notice on our platform
• Changes become effective 30 days after notification (unless otherwise specified)

17.2 Your Acceptance

Continued use of our services after changes take effect constitutes acceptance of the modified Terms. If you do not agree to the changes:

• You must stop using our services
• You may close your account in accordance with Section 15
• The previous Terms will govern any disputes arising before the change

17.3 Version History

Previous versions of these Terms are available upon request. Contact legal@indohmarketdata.co.za to obtain earlier versions.

General Provisions

18.1 Governing Law

These Terms are governed by the laws of the Republic of South Africa. You consent to the exclusive jurisdiction of the courts of South Africa, unless mandatory consumer protection law in your country requires otherwise.

18.2 Severability

If any provision of these Terms is found to be invalid or unenforceable:

• That provision will be enforced to the maximum extent possible
• The remaining provisions will remain in full force and effect
• The invalid provision will be replaced with a valid provision that achieves the same purpose

18.3 Entire Agreement

These Terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and us regarding our services.

18.4 Assignment

You may not assign or transfer your rights or obligations under these Terms. We may assign our rights and obligations to any affiliate or successor entity.

18.5 Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or our right to enforce it in the future.

18.6 Language

These Terms are provided in English. Translations may be provided for convenience, but the English version prevails in case of conflict.

18.7 Notices

All notices to you will be sent to your registered email address. Notices to us should be sent to info@indohmarketdata.co.za or our registered physical address set out in Section 19.

18.8 Third-Party Rights

These Terms do not confer any rights on third parties (except our affiliates and service providers where specified).

E-Commerce & Merchant Disclosure

This section provides the information required for online purchases on this website, including card payments processed through our approved payment service provider.

19.1 Merchant Details

• Legal entity: INDOH SHOPPINGSPHERE LTD PTY (Registration No. 2025/181821/07)
• Trading name: Indoh Market Data
• Country of domicile: Republic of South Africa
• Website: indohmarketdata.co.za

19.2 Customer Service Contact

19.3 Transaction Currency

We accept subscription purchases from customers around the world. Card payments on this website are processed and settled in South African Rand (ZAR) on our South African merchant account — this is our single settlement currency for online sales, as required by our payment provider. Display prices may be shown in other currencies for convenience; the amount processed at checkout is in ZAR unless clearly stated otherwise. If your card is issued in another currency, your bank or card issuer may convert the charge and apply its own exchange rate and fees — that does not prevent you from subscribing.

19.4 Delivery Policy

All services are delivered digitally. After a successful subscription purchase, access is granted through your online account on the Indoh Market Data platform. No physical goods are shipped. See our full Delivery Policy.

19.5 Return & Refund Policy

Because we provide digital subscription services, there are no physical products to return. Refund terms are set out in our Refund Policy, which forms part of this Agreement.

19.5A Cancellation Policy

You may cancel a paid subscription at any time. Cancellation stops future renewals; access continues until the end of the paid period. Full details are in our Cancellation Policy.

19.6 Export Restrictions

We are not aware of any export restrictions that limit access to our digital subscription services. Our platform is available to customers worldwide. You are responsible for ensuring that your subscription and use of the platform comply with applicable local laws in your location.

19.7 Secure Payments

Online card payments are processed through our designated Commerce Service Provider using Transport Layer Security (TLS) encryption. Where supported, 3-D Secure cardholder authentication may be used to help protect against unauthorized use.