TERMS OF SERVICE - BULLRUSH.IN

Last Updated: 29/07/2025 8:33pm

CRITICAL DISCLAIMERS & RISK WARNINGS

🚨 NOT A REGISTERED FINANCIAL ADVISOR

  • BULLRUSH.IN IS NOT REGISTERED WITH SEBI or any financial regulatory authority
  • We DO NOT provide investment advice, recommendations, or endorsements
  • We DO NOT recommend any specific stocks, securities, or investment strategies
  • Nothing on our Platform constitutes financial, trading, or investment advice
  • All content is for informational and educational purposes only

🤖 AI-POWERED FEATURES - AUTOMATED & UNREVIEWED

  • All AI-generated content operates WITHOUT human review, validation, or intervention
  • AI features may produce errors, inaccuracies, or misleading information
  • AI systems may generate false or incomplete data ("hallucinate")
  • Use AI features entirely at your own risk
  • Users must independently verify all AI-generated content

⚠️ USE AT YOUR OWN RISK

  • All investment decisions are solely your responsibility
  • Consult qualified, SEBI-registered financial advisors for personalized advice
  • We are not liable for any financial losses from Platform use
  • Past performance does not guarantee future results

1. ACCEPTANCE & AGREEMENT

1.1 Binding Agreement

The website www.bullrush.in and its sub-domains (the "Website", "Site" or "Platform") are owned, managed, and governed by MAKAV FINTECH LLP, a Limited Liability Partnership firm having its registered office at Hyderabad, India (referred to as "Firm", "We", "Us", "Company" or "BULLRUSH").

"You", "Your" or "User" shall mean anyone who visits, accesses, or uses the Platform or obtains Services from us, including any person whether natural or legal/juristic, company, incorporation, association, partnership, proprietorship, or group of individuals.

1.2 Entire Agreement

This Terms of Use, together with our Privacy Policy (incorporated by reference), represents the complete agreement between the Platform/Company and the User and governs the relationship between the Parties. This agreement replaces all prior agreements and communications between the Parties, whether direct, indirect, written, or oral.

1.3 Acceptance Through Use

By accessing, using, browsing, searching, availing services, or engaging with the Website, you agree to:

  • These Terms of Use and Privacy Policy
  • Comply with all applicable laws as interpreted within Hyderabad, India
  • Accept our information practices and AI processing disclaimers
  • Acknowledge the automated nature of AI features

The date of first use of this Website shall be treated as the "Commencement Date" of these Terms.

2. SERVICE DESCRIPTION & DISCLAIMERS

2.1 Platform Services

Bullrush.in is a comparison cum review portal that provides:

Core Features:

  • Comparison and review of demat accounts and financial products
  • Investment basics and financial literacy education
  • Tax education and planning resources
  • Market data and analysis tools (informational only)
  • AI-powered summaries and insights (automated, unreviewed)

Educational Services:

  • Financial literacy courses and content
  • Investment strategy education (not advice)
  • Tax planning guidance (not professional tax advice)
  • Market analysis and commentary (informational only)

2.2 Third-Party Facilitation

IMPORTANT: We are a facilitator platform only:

  • Services are provided by third-party banks, NBFCs, stock brokers, and financial institutions
  • We are NOT the provider of financial products/services
  • We may partner with third-party aggregators for service listings
  • Service providers are solely responsible for their offerings

2.3 Algorithm-Based Recommendations

Our comparison algorithms use automated logic to suggest options based on your requirements. However:

  • Data is provided directly by service providers (including aggregators)
  • We merely facilitate comparison and should NOT be considered advice
  • No approval, affirmation, or endorsement is implied
  • Independent verification required for all recommendations

3. AI SERVICES & AUTOMATED FEATURES

3.1 AI Content Generation

⚠️ ZERO HUMAN OVERSIGHT: Our AI features include:

  • Market analysis and summaries (automated)
  • Company performance insights (unvalidated)
  • Portfolio risk assessments (educational only)
  • Investment trend analysis (not predictive)
  • Educational content generation (informational)

3.2 AI Processing Disclaimer

CRITICAL WARNING: All AI-generated content:

  • Operates without human review, editing, or validation
  • May contain factual errors, biases, or misleading information
  • Should never be used as sole basis for investment decisions
  • Is experimental and may malfunction without notice
  • May produce completely false or fabricated information

3.3 AI Data Sources

Our AI systems process:

  • Market data from licensed providers
  • Company financial reports and filings
  • News articles and public information
  • User portfolio data (with consent)
  • Historical performance data

Accuracy Limitation: AI processing may introduce errors, delays, or inaccuracies beyond source data quality.

4. USER REGISTRATION & ACCOUNT MANAGEMENT

4.1 Registration Requirements

To access certain services, you must:

  • Provide complete, accurate, updated information
  • Be at least 18 years of age
  • Maintain confidentiality of account credentials
  • Use account for personal, non-commercial purposes only

Failure to provide accurate information constitutes breach and may result in account termination.

4.2 Account Security

Your Responsibilities:

  • Maintain confidentiality of passwords and login credentials
  • Notify us immediately of unauthorized access
  • Take adequate physical, managerial, technical safeguards to preserve data integrity
  • Ensure single-user access (no sharing credentials)

4.3 Multiple Account Detection

Account sharing prohibited: If multiple logins from different devices/IP addresses suggest account sharing, the subscription will be terminated immediately with no refund and appropriate action may be taken.

5. SUBSCRIPTION SERVICES & BILLING

5.1 Service Tiers

Free Access:

  • Basic market data and educational content
  • Limited AI features and analysis
  • Community forum access

Premium Subscription (Bullrush Membership):

  • Advanced analytics and screening tools
  • Unlimited AI features and insights
  • Priority customer support
  • Enhanced portfolio management tools

5.2 Billing & Payment Terms

Recurring Billing: Membership fees billed at the beginning of each billing cycle (monthly/yearly) Auto-Renewal: Automatic billing on corresponding calendar date Payment Methods: Credit/debit cards, UPI, net banking, other approved methods Billing Date Adjustment: We reserve right to change timing if payment method fails

Example: If you start Premium on March 31st, next payment likely April 30th.

5.3 Free Trials & Promotional Access

Complimentary Access: Existing Bullrush members receive one month complimentary access at launch Free Trials: May be offered for new Premium subscriptions Promotional Terms: Subject to specific conditions and time limits

5.4 Cancellation & Refunds

User Cancellation:

  • Cancel anytime for any or no reason
  • Access continues through end of current billing period
  • No further charges starting next billing cycle
  • Premium features lost at billing period end

Refund Policy:

  • Payments are non-refundable
  • No credits for partially used periods
  • No refunds upon termination by Company
  • Continued access through paid period even after cancellation

5.5 Price Changes

We reserve right to change fees at any time:

  • Changes will not apply to previously paid periods
  • Prior intimation provided for ongoing subscriptions
  • Advance notice given for price increases

6. BULLRUSH QUEST - EDUCATIONAL SERVICES

6.1 Educational Disclaimer

IMPORTANT CLARIFICATION:

  • We are NOT a university or educational institution
  • Not associated with any university or educational body
  • Courses are NOT certified by any educational authority
  • Certificates NOT equivalent to degrees or diplomas from registered institutes

6.2 Course Content

Educational Offerings:

  • Financial literacy and investment basics
  • Tax education and planning strategies
  • Market analysis and trading education
  • Portfolio management principles

Content Limitation: All educational content is for informational purposes only and does NOT constitute professional advice.

7. USER CONDUCT & CONTENT POLICIES

7.1 Acceptable Use

Permitted Activities:

  • Personal, non-commercial use of Platform
  • Educational research and learning
  • Portfolio tracking and analysis
  • Community participation and discussions

7.2 Prohibited Content & Activities

Strictly Forbidden:

  • Providing investment advice to other users
  • Sharing false, misleading, or inaccurate information
  • Commercial use without permission
  • Automated scraping or data extraction
  • Reverse engineering of Platform or AI features

Content Restrictions - You shall NOT post content that:

  • Belongs to another person without rights
  • Is obscene, pornographic, or invasive of privacy
  • Promotes money laundering, gambling, or illegal activities
  • Infringes patents, trademarks, copyrights, or proprietary rights
  • Contains malware, viruses, or harmful code
  • Violates any applicable laws

7.3 User Communications & Content

Platform Communications:

  • Customer service interactions may be recorded
  • AI chatbot conversations are logged and analyzed
  • Community posts and comments subject to moderation
  • Feedback and correspondence retained per Privacy Policy

Content Usage Rights: We may use User Content in accordance with Privacy Policy while respecting your privacy and not infringing personal rights.

8. INTELLECTUAL PROPERTY RIGHTS

8.1 Platform Ownership

Our Exclusive Property:

  • Website design, software, and functionality
  • Proprietary AI algorithms and models
  • Original analysis, research, and content
  • Trademarks, logos, and branding ("Bullrush", "BULLRUSH")
  • Database compilation and organization

8.2 Licensed Content

Third-Party Materials:

  • Market data licensed from exchanges and providers
  • Financial information from regulatory databases
  • News content from media partners
  • Educational materials from content providers

8.3 User License Grant

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

  • Access and use Platform for personal purposes
  • View and download content for personal reference
  • Use AI-generated insights for personal analysis only

License Restrictions: You may NOT:

  • Modify, copy, or redistribute Platform content
  • Use content for commercial purposes without permission
  • Remove copyright or proprietary notices
  • Transfer materials to third parties
  • Create derivative works from Platform content

8.4 User Content License

By submitting content, you grant us:

  • Non-exclusive license to use, display, and distribute
  • Right to modify or edit for Platform display
  • Permission to use for AI training and improvement
  • Right to remove inappropriate or violating content

9. DATA SOURCES & ACCURACY

9.1 Information Sources

Data Providers:

  • Government websites and regulatory databases
  • Licensed market data vendors (NSE, BSE, etc.)
  • Company filings and financial reports
  • Third-party financial information services
  • AI processing and analysis systems

9.2 Data Accuracy Limitations

No Guarantees Provided:

  • Accuracy dependent on source data quality
  • AI processing may introduce errors
  • Real-time data may be delayed
  • Technical failures may cause interruptions
  • Government source dependencies affect accuracy

9.3 Automated Data Processing

AI and Algorithm Disclaimers:

  • Information compiled using automated algorithms
  • Comments and opinions based on automated formulas
  • Prone to errors of automation
  • No human validation of automated outputs
  • Updates processed almost real-time but delays possible

Data Loss Risk: Technical glitches, server failures, or security incidents may cause data loss or delays.

10. THIRD-PARTY SERVICES & LINKS

10.1 External Links & Integrations

Third-Party Connections:

  • Broker websites and trading platforms
  • Banking and financial institution portals
  • Educational resources and content
  • Social media and community platforms
  • Payment gateways and processors

10.2 Third-Party Disclaimer

No Responsibility: We are NOT responsible for:

  • Content accuracy on linked websites
  • Privacy practices of external services
  • Security of third-party platforms
  • Products or services offered by partners
  • Terms and conditions of external providers

10.3 Service Provider Relationships

Partnership Clarifications:

  • Rewards and offers may be provided by service providers
  • Third-party terms govern their services and offers
  • We facilitate connections but don't endorse specific providers
  • Users responsible for reviewing third-party terms

11. COMMUNICATION & NOTIFICATIONS

11.1 Communication Channels

We may communicate via:

  • Email notifications and updates
  • SMS alerts and OTP services
  • Push notifications (mobile app)
  • In-platform messages and announcements
  • WhatsApp communications (with consent)

11.2 Consent Override

Important: Communication consent overrides DND (Do Not Disturb) registration for service-related communications.

DND Limitation: If registered on TRAI DND list, you may not receive SMS/phone communications. You are responsible for de-registering from DND if desired.

11.3 Third-Party Communication Services

Service Dependencies: We rely on third-party providers for:

  • SMS delivery and OTP services
  • Email notification systems
  • Push notification infrastructure

No Liability: We assume no responsibility for readability, delivery delays, or failures due to third-party service performance.

12. SECURITY & ANTI-FRAUD MEASURES

12.1 Platform Security

Security Measures Implemented:

  • SSL encryption for data transmission
  • Secure server infrastructure with access controls
  • Regular security audits and vulnerability assessments
  • Firewall protection against unauthorized access
  • AI content monitoring for abuse detection

12.2 Anti-Hacking Provisions

Strictly Prohibited Activities:

  • Using automated tools ("scrapers", "bots", "robots") to access Platform
  • Data mining or extraction of non-public information
  • Bypassing security measures or access restrictions
  • Unauthorized access to servers or databases
  • Interfering with Platform operations or functionality
  • Imposing unreasonable load on infrastructure

12.3 Security Breach Response

In Case of Breach:

  • Immediate notification to affected users
  • Cooperation with authorities as required
  • Remedial measures to prevent future incidents
  • Transparency reporting within legal requirements

13. WARRANTIES & DISCLAIMERS

13.1 Service Warranties

"AS IS" SERVICE BASIS: All services provided without warranties:

  • No guarantee of accuracy, completeness, or timeliness
  • No warranty of merchantability or fitness for purpose
  • No assurance of error-free or uninterrupted service
  • No guarantee of favorable outcomes from Platform use

13.2 AI-Specific Disclaimers

AI SERVICE LIMITATIONS:

  • Experimental technology subject to errors and failures
  • No human oversight or quality control
  • May produce completely incorrect information
  • Not suitable for critical decision-making
  • Performance may vary without notice

13.3 Data Feed Disclaimers

Market Data Limitations:

  • Sourced from automated algorithms and public databases
  • Prone to technical and typographical errors
  • May include delays or interruptions
  • Subject to provider terms and availability
  • No guarantee of continuity or accuracy

14. LIMITATION OF LIABILITY

14.1 General Liability Exclusions

We are NOT liable for:

  • Direct, indirect, consequential, incidental, special, punitive, or exemplary damages
  • Loss of profits, revenues, data, or business opportunities
  • Financial losses from investment decisions
  • AI-generated content errors or inaccuracies
  • Service interruptions or technical failures

14.2 Maximum Liability Cap

Our total liability for any claims is limited to the amount you paid us in the 12 months preceding the claim.

14.3 AI-Related Liability Exclusion

Specifically regarding AI features:

  • No liability for AI-generated misinformation or false data
  • No responsibility for investment losses based on AI content
  • No liability for AI system failures or malfunctions
  • No responsibility for third-party AI service issues

14.4 Force Majeure

No liability for delays or failures due to:

  • Technical or electronic equipment failures
  • Telecommunication problems or defects
  • Weather, strikes, fire, acts of God
  • Riots, armed conflicts, acts of war
  • Government actions or regulatory changes

15. INDEMNIFICATION

15.1 User Indemnification Obligation

You agree to indemnify and hold harmless Bullrush.in and its employees, affiliates, representatives from:

  • Losses from breach of this Agreement
  • Inaccuracy or falsity of information provided
  • Misuse of AI features for unauthorized purposes
  • Reliance on AI-generated content for financial decisions
  • Violation of laws or third-party rights
  • Legal costs including reasonable attorney fees

15.2 Third-Party Advertiser Indemnification

Advertisers and sponsors shall indemnify us for:

  • Fault or defect in sponsored content
  • Acts or omissions in their services
  • Legal costs from their content or activities

16. TERMINATION PROVISIONS

16.1 User Termination Rights

You may terminate by:

  • Discontinuing Platform use at any time
  • Requesting account deletion via email to in.bullrush@gmail.com
  • Cancelling paid subscriptions through account settings

16.2 Company Termination Rights

We may terminate or suspend for:

  • Violation of Terms or Privacy Policy
  • Unlawful or fraudulent conduct
  • Multiple account creation or credential sharing
  • Misuse of AI features for commercial purposes
  • Non-payment of subscription fees
  • At our sole discretion with or without notice

16.3 Effects of Termination

Upon termination:

  • Immediate loss of Platform access
  • Obligation to destroy downloaded materials
  • Refrain from further use of Company materials
  • Survival of liability limitations and dispute resolution clauses
  • No refund of paid subscription fees

17. REWARDS & PROMOTIONAL PROGRAMS

17.1 Company Rewards

At our discretion, we may offer:

  • Revocable and non-transferable rewards for Platform usage
  • Promotional access to premium features
  • Referral bonuses and loyalty benefits
  • Educational completion certificates

17.2 Third-Party Offers

Service providers may offer:

  • Independent rewards and offers to users
  • Promotional benefits for service adoption
  • Governed by their terms and conditions
  • Company not responsible for third-party offers

18. GOVERNING LAW & DISPUTE RESOLUTION

18.1 Governing Law

Jurisdiction: These Terms are governed by laws applicable within Hyderabad, Telangana, India without giving effect to choice of law principles.

Court Jurisdiction: Exclusive jurisdiction of appropriate courts within Hyderabad, India for all disputes.

International Users: Users from other jurisdictions are solely responsible for compliance with local laws and waive all defenses of lack of jurisdiction.

18.2 Alternative Dispute Resolution (ADR)

Two-Step ADR Mechanism:

Step 1 - Mediation:

  • 30-day mutual resolution attempt
  • Amicable settlement through understanding
  • Good faith negotiations required

Step 2 - Arbitration:

  • Sole Arbitrator appointed by Company
  • Seat of arbitration: Hyderabad, India
  • Language: English
  • Expedited process for faster resolution

ADR Survival: This clause survives termination of Terms or Privacy Policy.

18.3 Waiver of Rights

Users waive all defenses of lack of jurisdiction or inconvenience of forum.

19. MODIFICATIONS & UPDATES

19.1 Amendment Rights

We reserve unconditional right to:

  • Change, modify, add, or remove portions of Terms
  • Update policies to reflect service changes
  • Comply with legal requirements and regulations
  • Improve clarity and user understanding

19.2 Notification Methods

Changes communicated via:

  • Push notifications or in-app alerts
  • Email notifications to registered users
  • Prominent website notices
  • "Last Updated" date modifications

19.3 Acceptance of Changes

Immediate effectiveness: Changes effective upon posting Continued use: Constitutes acceptance of modified Terms Review responsibility: Users should regularly review for updates

20. MISCELLANEOUS PROVISIONS

20.1 Waiver & Severability

Waiver Limitations:

  • Failure to assert rights does not constitute waiver
  • Waivers limited to specific instances
  • Other rights remain unaffected

Severability:

  • Invalid provisions do not affect remaining Terms
  • Parties agree remaining provisions stay in force
  • Amendment possible for invalid provisions

20.2 Assignment

Company Rights: We may assign or transfer these Terms in connection with mergers, acquisitions, or business transfers. User Restrictions: You may not assign these Terms without written consent.

20.3 Electronic Records

These Terms constitute electronic records under Information Technology Act, 2000 and are generated by computer systems requiring no physical signatures.

21. CONTACT INFORMATION

Customer Support

Email: in.bullrush@gmail.com
Subject Line: "Terms of Service Inquiry"
Response Time: Within 48 hours during business days

Grievance Officer

Name: Abhinav Reddy
Email: in.bullrush@gmail.com
Responsibility: Terms compliance and user grievances Response Time: Within 30 days

Legal & Business Address

MAKAV FINTECH LLP
Registered Office: Hyderabad, Telangana, India
Business Inquiries: in.bullrush@gmail.com

FINAL ACKNOWLEDGMENT & AGREEMENT

BY ACCESSING OR USING BULLRUSH.IN, YOU EXPLICITLY ACKNOWLEDGE:

✅ READ AND UNDERSTOOD all Terms and Privacy Policy provisions
✅ AGREE TO BE LEGALLY BOUND by these Terms and applicable laws
✅ ACKNOWLEDGE AI LIMITATIONS and automated content risks
✅ UNDERSTAND SEBI NON-REGISTRATION status and advice limitations
✅ ACCEPT FULL RESPONSIBILITY for investment decisions and Platform use
✅ WAIVE RIGHTS TO CLASS ACTION and agree to individual dispute resolution
✅ CONSENT TO COMMUNICATION overriding DND registrations

MUTUAL EXCLUSION CLAUSE: Users expressly agree to abide by mutual exclusion principles outlined in these Terms.

If you do not agree with any part of these Terms, you must immediately discontinue use of the Platform.