TIKLE

Last Updated: 19 August 2026

These Terms of Service (“Terms”) are a binding agreement between you and M/S DECIFINX LLP, a company incorporated in India (the “Company”, “we”, “us”, or “our”), governing your access to and use of TIKLE (the “Platform”), a cloud-based financial research and analytics service.

These Terms are supplementary to the Software Licence and Subscription Agreement (“Agreement”) between the Company and you. If there is any conflict, the Agreement prevails. Please read Section 20 (Dispute Resolution) carefully, it requires most disputes to be resolved by binding arbitration on an individual basis and waives your right to a jury trial and to participate in class actions.

You accept these Terms, the Agreement, and the Privacy and Cookie Policy by ticking the acceptance box at registration and by accessing or using the Platform. If you do not agree, do not use the Platform.

“Authorised User” means an individual you permit to access the Platform under your account.

“Content” means all Data, Platform Outputs, text, graphics, software, and other materials on the Platform.

“Data” means the information, filings, datasets, and materials made available through the Platform.

“Platform Outputs” means the scores, rankings, comparisons, analytics, and other results the Platform generates.

“User Content” means information you input or upload, such as saved searches, watchlists, and notes. Capitalised terms not defined here have the meaning given in the Agreement.

2.1. The Platform is intended for users who are at least eighteen (18) years old and have the legal capacity to enter into binding agreements. By using the Platform, you confirm that you meet these requirements.

2.2. If you use the Platform for a company or organisation, you confirm that you have authority to bind that entity, and “You” or “you” includes that entity, for all intents and purposes.

2.3. You confirm that you are not located in, and are not a national or resident of, any country subject to comprehensive economic sanctions, and that you are not on any restricted-party or sanctions list maintained by the United States, the European Union, the United Kingdom, India, or the United Nations. You may not use the Platform in violation of any applicable export-control or sanctions law.

2.4. We may refuse service, and may suspend or terminate accounts, at our discretion, subject to the Agreement.

3.1. You must register with accurate, current, and complete information and keep it updated.

3.2. You are responsible for keeping your login credentials confidential and for all activity under your account.

3.3. Only Authorised Users may access the Platform through your account. You must not share credentials or allow simultaneous use of a single account unless we permit it, and you are responsible for your Authorised Users’ compliance with these Terms.

3.4. You must promptly remove access for any Authorised User who no longer needs it, including when their employment or engagement ends.

3.5. You must notify us immediately at info@tikle.in if you become aware of any unauthorised access or security breach affecting your account.

3.6. We are not liable for losses arising from your failure to protect your credentials, except where caused by our gross negligence or wilful misconduct. We may lock or restrict an account where we detect suspicious activity, and will restore access once resolved.

3.7. You must not bypass, or attempt to bypass, any authentication, verification, rate limit, or access-control mechanism.

4.1. Access to paid features requires a subscription:

Fees, billing frequency, and plan features are as stated at purchase or in the Agreement. All fees are exclusive of taxes unless stated otherwise, and you are responsible for applicable taxes.

4.2. Automatic Renewal:

Unless stated otherwise, subscriptions renew automatically at the end of each billing period at the then-current rate, and your payment method will be charged, until you cancel. Where required by law, we will send a renewal reminder before charging.

4.3. Cancellations:

You may cancel at any time through your account settings or by contacting [SUPPORT EMAIL]. Cancellation takes effect at the end of the current billing period. Where the law of your state requires an online or one-step cancellation method, we provide it.

4.4. Refunds:

Except where required by applicable law, fees are non-refundable and there are no refunds or credits for partial periods. Any refund terms in the Agreement prevail.

4.5.

We may change fees on prospective notice. If you do not accept a fee change, you may cancel before it takes effect.

5.1. The Platform aggregates and organises Data from publicly available sources, including SEC EDGAR filings, XBRL datasets, earnings releases, annual reports, investor presentations, regulatory disclosures, and press releases. We do not independently verify, audit, or guarantee the accuracy, completeness, or timeliness of any source Data.

5.2. Data and Platform Outputs are provided for general information and research only. You acknowledge that: • Data may contain errors, omissions, or delays arising from the source Data, our processing, or transmission; • Data does not reflect real-time information and should not be relied on for time-sensitive decisions; • Platform Outputs are computed results produced by our algorithms, not verified facts or professional opinions; • All investment, financial, and business decisions are yours alone, and you should verify Data independently before relying on it; and • We are not obliged to update or correct any Data, though we may do so.

5.3. We may change, recalibrate, or discontinue any methodology, algorithm, or scoring model at any time. Such changes may affect previously displayed Data and are not a breach.

5.4. Some Data comes from third-party sources whose use may be subject to their own terms. We do not control and are not responsible for the accuracy or availability of third-party information.

6.1. The Platform is a data aggregation and research tool. It does not provide investment, financial, trading, tax, legal, accounting, or any other professional or personalised advice.

6.2. We are not a registered investment adviser, broker-dealer, financial planner, or fiduciary under any law, and no fiduciary or advisory relationship is created by your use of the Platform. Nothing on the Platform is a recommendation, solicitation, or offer to buy, sell, or hold any security.

6.3. Data and Platform Outputs are general and impersonal, made available to all users equally, and are not tailored to your financial situation, objectives, or risk tolerance. The Platform operates as a publisher of general, impersonal financial information within the meaning of the publisher’s exclusion under Section 202(a)(11)(D) of the U.S. Investment Advisers Act of 1940.

6.4. Past performance is not indicative of future results. All investments carry risk, including possible loss of principal. Consult a qualified, licensed adviser before making any investment decision.

7.1. The Platform, the Content (including Platform Outputs, the selection, arrangement, and compilation of Data, software, design, and branding), and all intellectual property in them are owned by the Company or its licensors and are protected by law. Underlying public filings are the works of their original sources; our rights are in the compilation, analytics, and presentation.

7.2. Subject to these Terms and the Agreement, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform and Content for your internal business or personal research purposes only, for the subscription term. Any use or disclosure of the information obtained via the Platform with any third-parties, shall be at your sole liability and risk, for which neither you nor such third-party shall have any claim whatsoever against the Platform of the Company.

7.3. You shall not copy, reproduce, reverse-engineer, redistribute, resell, publish, sublicense, or create derivative works from the Content except as expressly permitted. You may not remove any proprietary notice.

7.4. If you submit feedback or suggestions, you grant us a perpetual, royalty-free licence to use them without obligation to you. You retain ownership of your User Content and grant us a licence to host and process it to provide the Platform and its services.

You must not use the Platform:

• for any unlawful, fraudulent, or deceptive purpose; • to engage in or assist insider trading, market manipulation, front-running, spoofing, or any prohibited securities activity; • to redistribute, resell, rent, or commercially exploit Data or Platform Outputs to third parties; • to provide regulated financial services to third parties without the required registrations; • to introduce viruses, malware, or other harmful code; • to gain unauthorised access to the Platform, other accounts, or our systems; • to scrape, crawl, or extract Data using automated tools beyond what we expressly permit; • to misrepresent the source of Data or pass off our Platform Outputs as your own independent work; • to infringe our or any third party’s intellectual property; • to overburden or interfere with the Platform or other users; • to train or improve any AI or machine-learning system using the Content without our written consent; • to benchmark or publish competitive assessments of the Platform without our written consent; • to develop, market, or support any competing product; or • to assist any third party in any of the above.

You represent and agree that:

(a) you will use the Platform only for lawful purposes and in compliance with all laws that apply to you; (b) you will not use the Data in any way that would require the Company to register with any securities regulator; (c) all information you provide is accurate; and (d) you will comply with all applicable export-control, sanctions, and anti-corruption laws.

10.1. You are responsible for ensuring that your use of the Platform complies with all laws that apply to you, including (for US users) federal and state securities laws, SEC and FINRA rules, and state “blue sky” laws, and applicable data protection laws in your location.

10.2. If you use Data in any regulated financial activity, you are solely responsible for obtaining and maintaining all required registrations and approvals.

10.3. The Platform is operated from India and offered to users in the United States and in the European Union. If you access it from any other jurisdiction, you are responsible for local compliance and for whether the Platform may lawfully be used there.

The Platform may link to or integrate with third-party services. We do not control or endorse them and are not responsible for them. Your use of third-party services is governed by their own terms and is at your own risk.

We may provide support and maintenance in line with our then-current support policy; availability and scope may vary by plan. We may carry out scheduled and emergency maintenance, with advance notice of scheduled maintenance where practicable.

We may monitor account activity and Platform usage for security, fraud prevention, compliance, and improvement, in line with the Privacy and Cookie Policy. You agree to cooperate with any investigation into a suspected security incident or misuse relating to your account.

We may generate and use aggregated, anonymised, or de-identified data about Platform usage to improve, secure, and develop the Platform, provided it does not identify you or any individual.

We respect intellectual property rights. If you believe Content on the Platform infringes your copyright, send a notice to info@tikle.in including: your contact details; identification of the work and the material claimed to infringe; a statement that you have a good-faith belief the use is not authorised; a statement that your notice is accurate; and your signature. We may remove infringing material and terminate repeat infringers.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLATFORM AND ALL DATA, CONTENT, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. We do not warrant that the Platform will be uninterrupted, error-free, or secure, or that any Data or Platform Output is accurate, complete, or suitable for your purposes. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OFFICERS, EMPLOYEES, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, INVESTMENT, OR TRADING LOSSES, ARISING FROM OR RELATING TO THE PLATFORM OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID US IN THE 6 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) US $100. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; in that case our liability is limited to the fullest extent permitted by law.

You agree to indemnify and hold harmless the Company and its officers, employees, and licensors from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising from: (a) your use of the Platform or Data; (b) your breach of these Terms, the Agreement, or any law; (c) your investment, trading, or business decisions; or (d) your violation of any third-party right. We may assume the defence of any matter subject to indemnification, and you agree to cooperate.

19.1. These Terms apply while you use the Platform. We may suspend or terminate your access, with or without notice, if you breach these Terms or the Agreement, if required by law, or to protect the Platform or other users.

19.2. On termination, your licence ends and you must stop using the Platform and Content. Sections that by their nature should survive (including Sections 5–9 and 16–25) survive termination.

20.1. Informal resolution first:

Before starting any formal proceeding, you agree to contact us at [SUPPORT EMAIL] and try in good faith to resolve the dispute informally for at least 30 days.

20.2. Binding arbitration:

Except for the carve-outs below, any dispute arising out of or relating to the Platform or these Terms will be resolved by final and binding arbitration on an individual basis, rather than in court. Arbitration will be administered by Delhi International Arbitration Centre under its then-current rules, seated in Delhi, India, and conducted in English. Judgment on the award may be entered in any court of competent jurisdiction, and awards are enforceable across borders under the New York Convention.

20.3. Class-action and jury waiver:

You and the Company agree that each may bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, or representative proceeding. You and the Company waive any right to a jury trial.

20.4. Carve-outs:

Either party may (a) bring an individual claim in small-claims court if it qualifies, and (b) seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

20.5. Opt-outs:

You may opt out of this arbitration agreement by sending written notice to info@tikle.in within 30 days of first accepting these Terms. If you opt out, Section 21 governs disputes.

20.6.

If the class-action waiver is found unenforceable for a particular claim, that claim will proceed in court, but the rest of this Section still applies.

21.1. These Terms and any dispute are governed by the laws of India, without regard to conflict-of-law rules. Subject to Section 20, the courts at Gurugram, India have exclusive jurisdiction.

21.2. Nothing in these Terms removes any mandatory protection you have under the law of your own country or state that cannot be waived by agreement. Where US federal or state securities, consumer-protection, or data-protection law mandatorily applies to your use, that law applies to that extent.

You consent to receive communications, notices, agreements, and disclosures from us electronically (by email or through the Platform), and you agree that electronic communications satisfy any legal requirement that a communication be in writing. You may withdraw this consent for certain legally required disclosures, but doing so may mean you can no longer use the Platform.

We are not liable for any failure or delay caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government action, labour disputes, power or internet failures, cyber-attacks, or failures of third-party providers.

We may amend these Terms from time to time. We will notify you of material changes by email or by notice on the Platform at least thirty (30) days before they take effect. Continued use after the effective date is acceptance. If you do not agree, stop using the Platform and terminate the Agreement under its terms.

25.1. Entire agreement:

These Terms, the Agreement, and the Privacy and Cookie Policy are the entire agreement between us on this subject and supersede prior understandings.

25.2. Assignment:

You may not assign these Terms without our consent. We may assign them to an affiliate or successor.

25.3. Severability:

If any provision is held unenforceable, the rest remain in effect and the provision will be limited to the minimum extent necessary.

25.4. No waiver:

Our failure to enforce any right is not a waiver of it.

25.5. No third-party beneficiaries:

These Terms do not create rights for anyone other than you and the Company (and its indemnified parties under Section 18).

25.6. Notices:

We may give notice by email or through the Platform. You may give notice to info@tikle.in. Headings are for convenience only.