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Risk Disclosure Statement

Please read carefully before activating live trading. This is a mandatory requirement.

Effective date: August 2026 • Version 1.1 — updated to reflect confirm-to-execute (Clause 3)

1. Platform Nature

Namaa AI is a product of Khair Labs Private Limited and is a software automation tool, not a SEBI-registered Investment Adviser, Portfolio Manager, Research Analyst, or financial planner. Khair Labs Private Limited does not give you investment advice and is not a party to any trade executed on your account. Strategy templates shipped with the Platform are educational tools — you choose, configure and run them.

2. You Are the Principal

You set all parameters. Orders are placed using your Kite Connect API credentials, on your brokerage account, by software you operate, at your own risk. Khair Labs Private Limited does not manage funds, does not hold any discretionary authority over your portfolio, and is not your broker. You are responsible for complying with your broker’s API Terms (Zerodha’s Kite Connect Terms of Use) and with any applicable algo-trading rules in your jurisdiction.

3. Investment Risk

Equity markets carry significant risk. You may lose some or all of your invested capital. Trade signals are generated by pre-configured rules and AI analysis, not human judgment — but no order is placed until you review and confirm it (stop-loss orders are the one exception; see Clause 6). Software systems can fail, and markets may prevent orders from executing at expected prices, including after you've confirmed a trade.

4. Limitation of Liability

Khair Labs Private Limited’s total liability is capped at the greater of (i) 3 months’ subscription fees paid by you, or (ii) ₹5,000. This cap does not apply to, and Khair Labs Private Limited remains fully liable for, any liability arising from its own fraud, gross negligence, or wilful misconduct. Subject to that, we are not liable for loss of profits, market losses, missed opportunities, third-party service failures (broker, exchange, AI provider, Razorpay, internet), software failures, or losses arising from your own configuration choices.

5. Shariah-Aware Screening — Not a Fatwa

The compliance screen is a methodology based on AAOIFI ratios using third-party data sources. It is not a fatwa, not a religious endorsement, and not a certification by any sharia board. Compliant today does not guarantee compliance tomorrow. Financial ratios are updated quarterly with a 30–60 day lag. You remain responsible for personal religious due diligence and for consulting a qualified scholar if you require one.

6. Automated Execution Risk

GTT stop-loss orders are placed directly on Zerodha and execute independently of Namaa AI's uptime. However, network failures, exchange outages, or price gaps may cause stops to execute at prices different from the trigger level. Namaa AI is not liable for such slippage.

7. Tax Obligations

Trade data and capital gains information provided by Namaa AI is for informational purposes only. You are responsible for your own tax obligations. Consult a qualified Chartered Accountant for personal tax advice. Namaa AI is not liable for any tax liability arising from use of this platform.

8. Dispute Resolution

Any disputes shall be resolved by sole arbitration in Bengaluru, India, under the Arbitration and Conciliation Act, 1996. All claims must be brought individually — class or collective claims are not permitted. Indian law applies.

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