These Terms govern your use of Namaa AI (the “Platform”), a product owned and operated by Khair Labs Private Limited, a private limited company incorporated in India (“Khair Labs”, “we”, “us”). Khair Labs Private Limited is the contracting party, the data fiduciary, and the Razorpay merchant of record for all subscription billing.
The Platform is a software automation tool that helps you configure and operate algorithmic trading agents using your own brokerage API credentials. Khair Labs / Namaa AI is not a SEBI-registered Investment Adviser, Portfolio Manager, Research Analyst, or financial planner. We do not give investment advice, do not make personalised buy/sell recommendations, and are 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; the trade orders that result are your orders, placed by software you operate, against your broker account.
By using this Platform, you confirm that: (a) you set all strategy parameters; (b) trades execute using your own API credentials on your own brokerage account; (c) you bear sole responsibility for all outcomes; (d) Khair Labs / Namaa AI holds no discretionary authority over your portfolio; (e) you are responsible for complying with your broker’s API terms (including Zerodha’s Kite Connect Terms of Use) and any applicable algo-trading rules in your jurisdiction; and (f) you are an adult of sound mind capable of making your own financial decisions.
Equity investing carries significant risk. You may lose some or all of your capital. Trade signals are generated by pre-configured rules and AI analysis, not human judgment — but you must review and confirm each trade before an order is placed (stop-loss orders are the one exception, executing automatically once set). Market conditions, software failures, and execution slippage may cause outcomes different from expectations, including after a trade has been confirmed.
To the maximum extent permitted by law, Khair Labs Private Limited’s total liability arising from your use of the Platform shall not exceed the greater of: (i) subscription fees paid by you to Khair Labs Private Limited in the 3 months preceding the claim, or (ii) ₹5,000. This limitation 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 the foregoing, we are not liable for: loss of profits, loss of data, loss of opportunity, consequential or indirect damages, market losses, losses from your own configuration, third-party service failures (including your broker, your internet provider, the exchange, Razorpay, or any AI provider used by the Platform), or your tax liabilities.
Subscriptions are billed monthly in advance by Khair Labs Private Limited via Razorpay. You may cancel at any time from the in-app billing page; cancellation takes effect at the end of the current billing cycle and you retain access until then. Pro-rata refunds are not generally offered. If you believe you have been charged in error, email billing@namaa.dev within 7 days of the charge. GST invoices are issued by Khair Labs Private Limited and are available from the billing page.
You agree to defend, indemnify, and hold harmless Namaa AI and its affiliates from any claims, losses, or damages arising from: your trading activity, your strategy configuration, your use of BYOA/BYOS features, or any third-party claims relating to your account.
Compliance screening is based on AAOIFI methodology using third-party data. Compliant today does not guarantee compliance tomorrow. Financial ratios have a 30–60 day lag. Namaa AI does not issue fatwas. Users remain responsible for personal religious due diligence. Namaa AI is not liable for religious or spiritual harm.
User-submitted strategies and agents are not endorsed by Namaa AI. Marketplace strategies are not investment advice. Past performance of any strategy is not indicative of future results. Strategy creators are not SEBI-registered Research Analysts or Investment Advisers.
Any dispute shall be resolved by sole arbitration seated in Bengaluru, India, under the Arbitration and Conciliation Act, 1996. Language: English. All claims must be brought individually — class or collective actions are not permitted. Indian law governs this agreement. Bengaluru courts have exclusive jurisdiction for non-arbitral matters.
We may update these Terms from time to time. Continued use of the Platform after notice of changes constitutes acceptance. Major changes will be notified by email or in-app banner.
Khair Labs Private Limited • Bengaluru, Karnataka, India
Legal: legal@namaa.dev
Billing: billing@namaa.dev
Grievance Officer (DPDP): grievance@namaa.dev