terms of use

Universal Financial Labs
UFL Capital Markets | UFL Institute of Capital Markets
SEBI Registered Research Analyst
Registration No.: INH000026761
Website: www.universalfinanciallabs.com

Acceptance of Terms

By accessing the website, subscribing to any service, enrolling in any educational program, or using any research-related service provided by Universal Financial Labs, users agree to comply with and be legally bound by these Terms & Conditions, along with all applicable policies, disclosures, disclaimers, and regulatory requirements.

If you do not agree with any part of these terms, you should discontinue the use of our website and services immediately.

Eligibility

Users must be at least 18 years of age to access paid services offered by Universal Financial Labs.

Users accessing our services represent that they are legally capable of entering into binding agreements under applicable laws.

Services are intended only for individuals interested in financial market research, market education, and related informational services.

Nature of Services

Universal Financial Labs operates through the brands UFL Capital Markets and UFL Institute of Capital Markets.

The firm provides:

SEBI-registered research analyst services
Research reports and market commentary
Educational webinars and workshops
Trading and market education programs
Institutional volume and liquidity-based market analysis
Financial market awareness and educational content

The services provided are strictly limited to research and educational activities and should not be interpreted as Portfolio Management Services (PMS), assured return schemes, profit-sharing arrangements, or guaranteed investment services.

Research Service Terms

The research reports, recommendations, and market commentary shared by Universal Financial Labs are based on publicly available information, technical analysis, quantitative analysis, price action studies, liquidity analysis, and other research methodologies believed to be reliable at the time of publication.

However:

Financial markets are inherently volatile and uncertain.
Prices of securities may fluctuate significantly due to market conditions, economic events, global developments, or company-specific factors.
Research opinions, ratings, or market views are subject to change without prior notice.
Universal Financial Labs reserves the right to revise, modify, suspend, or withdraw any recommendation or market view at its sole discretion.

All users are advised to independently evaluate market risks and consult appropriate financial professionals before acting on any research or educational content.

No Investment Guarantee

Universal Financial Labs does not provide any guarantee, warranty, or assurance regarding:

Profits or returns
Trading success
Accuracy of future market movements
Financial outcomes
Performance of any recommendation or strategy

All services are provided strictly on an “as is” and “best effort” basis.

Past performance is not indicative of future performance.

Clients and users are solely responsible for their investment and trading decisions, including any profits or losses incurred.

Educational Services Disclaimer

Educational programs, workshops, webinars, mentorship sessions, training courses, and educational content offered by Universal Financial Labs are intended solely for informational and educational purposes.

Educational services:

Do not constitute personalized investment advice.
Do not guarantee trading success or profitability.
They are designed only to improve financial market awareness and understanding.

Individual results may vary depending on experience, market conditions, discipline, risk management, and execution practices.

Payment Terms

Clients agree to pay applicable fees for subscribed services as communicated at the time of purchase or enrollment.

Payments must be made only through officially communicated payment channels associated with Universal Financial Labs.

Users are advised not to make payments to unauthorized persons, third-party accounts, or unofficial platforms.