Terms and Conditions
Last Updated: September 2026
These Terms and Conditions ("Terms") govern your use of todayglobalmarket.com ("Website") and all related services including the FinanceGuide app, newsletter, calculators, and tools, operated by Today Global Market ("we", "us", "our").
By accessing or using our Website, you agree to be bound by these Terms. If you do not agree to any part of these Terms, you must stop using our Website immediately.
1. Nature of Content & Services
1.1 Educational Purpose Only
This Website is a financial education platform. All content — including articles, guides, calculators, blog posts, videos, tools, and market data — is provided for general educational and informational purposes only.
Nothing on this Website constitutes:
- Personalized investment advice or financial planning
- A recommendation to buy, sell, or hold any financial product
- Tax advice, legal advice, or accounting advice
- An offer or solicitation to purchase any insurance policy or investment product
- A guarantee of any financial outcome or return
1.2 No Advisory Relationship
Use of this Website does not create a financial advisor-client, insurance agent-client, or any professional advisory relationship. We do not:
- Manage investments or portfolios for individuals
- Provide personalized financial recommendations
- Guarantee any financial outcomes or returns
- Act as a registered investment advisor or financial planner
Any financial decisions you make based on information found on our Website are solely your responsibility. We strongly recommend consulting a qualified financial advisor, chartered accountant, or licensed professional before making any financial decisions.
2. User Accounts (FinanceGuide)
2.1 Registration
To use the FinanceGuide (Expense Manager) app, you must create a free account. When registering, you agree to:
- Provide accurate, current, and complete information
- Maintain and update your information as needed
- Keep your password secure and confidential
- Accept responsibility for all activity under your account
- Not share your account credentials with anyone
- Not create multiple accounts for the same person
2.2 Account Security
You are responsible for maintaining the security of your account. If you suspect unauthorized access, you must notify us immediately at info@todayglobalmarket.com.
We reserve the right to suspend or terminate accounts that:
- Violate these Terms
- Show signs of unauthorized access or abuse
- Are used for fraudulent or illegal purposes
- Have been inactive for an extended period (24+ months)
2.3 Your Data
All financial data you enter in FinanceGuide (income, expenses, budgets, goals) belongs to you. We store it securely and never share it with third parties. You can export your data at any time using the CSV export feature. You can request complete deletion of your data by contacting us.
3. Calculators, Tools & Market Data
3.1 Calculators
Our financial calculators (SIP, EMI, retirement, tax, insurance, etc.) provide estimates based on mathematical formulas and the inputs you provide. These results are:
- Approximations for educational purposes only
- Not guaranteed to reflect actual financial outcomes
- Subject to variations based on market conditions, fees, taxes, inflation, and other real-world factors
- Not a substitute for professional financial advice
3.2 Market Data
Stock market data, gold rates, mutual fund information, and other financial data displayed on our Website is sourced from third-party providers. While we strive for accuracy:
- Data may be delayed and not real-time
- We do not guarantee the accuracy or completeness of market data
- Market data should not be used as the sole basis for investment decisions
- Always verify data from official sources (NSE, BSE, AMFI) before making decisions
3.3 Blog & Articles
Blog posts and articles represent general educational content based on publicly available information. They reflect general financial concepts and should not be interpreted as personalized advice for your specific situation.
4. Newsletter & Communication
4.1 Subscription
By subscribing to our newsletter, you consent to receive periodic emails containing financial education, market updates, tips, and occasional promotional content. Our subscription process requires:
- Providing your email address
- Agreeing to the consent checkbox
- Verifying your email via OTP (double opt-in)
4.2 Unsubscribe
You can unsubscribe from our emails at any time by clicking the "Unsubscribe" link in any email or visiting our unsubscribe page. Once unsubscribed, we will stop all marketing communications immediately.
4.3 WhatsApp Communication
If you provide your phone number during registration, you consent to receive occasional financial alerts and service information via WhatsApp. You can opt out at any time by messaging "STOP" or contacting us.
5. Advertising & Third-Party Links
5.1 Google AdSense
This Website displays advertisements through Google AdSense. These advertisements are:
- Served by Google and its advertising partners, not by us
- Selected based on your browsing history and interests (using cookies)
- Not endorsed, recommended, or guaranteed by Today Global Market
We are not responsible for the content, accuracy, legality, or practices of any advertised products or services. Clicking on an advertisement takes you to a third-party website governed by their own terms and policies.
5.2 Third-Party Links
Our Website may contain links to third-party websites (government portals, financial institutions, educational resources). These links are provided for convenience and do not constitute our endorsement. We have no control over and are not responsible for the content, privacy practices, or availability of these external sites.
5.3 Affiliate Disclosure
Some links on our Website may be affiliate links. If you make a purchase through an affiliate link, we may earn a small commission at no extra cost to you. This does not influence our content or recommendations, which are always based on educational value.
6. Intellectual Property
6.1 Our Content
All content on this Website — including text, graphics, logos, icons, images, tools, calculators, code, and design — is the property of Today Global Market or used with proper permission, and is protected by copyright, trademark, and other intellectual property laws.
6.2 Permitted Use
You may:
- View and read content for personal, non-commercial use
- Share links to our pages on social media
- Print individual articles for personal reference
6.3 Prohibited Use
Without our prior written consent, you may not:
- Copy, reproduce, or republish our content on other websites
- Modify, distribute, or commercially exploit our content
- Scrape, crawl, or automatically extract content from our Website
- Use our logos, branding, or trademarks
- Frame or embed our Website or any part of it on another site
- Remove any copyright or proprietary notices from our content
7. Prohibited Activities
When using our Website and services, you agree not to:
- Use the Website for any illegal or unauthorized purpose
- Attempt to hack, disrupt, or compromise our servers or database
- Upload malicious code, viruses, or harmful files
- Impersonate another person or misrepresent your identity
- Send spam, unsolicited messages, or phishing attempts through our forms
- Use automated tools (bots, scrapers) to access our content
- Attempt to access other users' accounts or data
- Interfere with other users' use and enjoyment of the Website
- Use the Website to collect personal information of other users
- Violate any applicable local, national, or international laws
Violation of these rules may result in immediate termination of your account and may be reported to law enforcement if applicable.
8. Disclaimer of Warranties
Our Website and all content, tools, calculators, and services are provided "as is" and "as available" without any warranties of any kind, either express or implied.
We specifically disclaim:
- Accuracy — while we strive for accuracy, we do not guarantee that all information is current, complete, or error-free
- Availability — we do not guarantee uninterrupted or error-free access to our Website
- Results — we do not guarantee any specific financial outcomes from using our tools or following our educational content
- Third-party content — we do not warrant the accuracy of market data, ads, or linked content from third parties
- Security — while we implement strong security measures, no system is 100% secure
9. Limitation of Liability
To the maximum extent permitted by applicable law, Today Global Market and its owners, employees, and affiliates shall not be liable for:
- Any direct, indirect, incidental, consequential, or punitive damages
- Financial losses resulting from decisions made based on our content
- Loss of data, profits, goodwill, or business opportunities
- Damages from unauthorized access to your account
- Errors or inaccuracies in calculator results or market data
- Service interruptions, downtime, or technical issues
- Actions of third-party advertisers or linked websites
Important: All investments carry risk, including possible loss of principal. Mutual fund investments are subject to market risks. Insurance products are subject to terms and conditions of the respective insurance companies. Past performance does not guarantee future results.
10. Indemnification
You agree to indemnify, defend, and hold harmless Today Global Market, its owners, employees, and affiliates from any claims, damages, losses, costs, or expenses (including legal fees) arising from:
- Your use of the Website or services
- Your violation of these Terms
- Your violation of any third-party rights
- Any content you submit or transmit through the Website
11. Governing Law & Disputes
These Terms are governed by and construed in accordance with the laws of India.
Any disputes arising from or related to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka, India.
Before filing any legal action, you agree to first attempt to resolve the dispute informally by contacting us at info@todayglobalmarket.com. We will make good-faith efforts to resolve any dispute within 30 days.
12. Changes to These Terms
We reserve the right to modify these Terms at any time. When changes are made:
- The "Last Updated" date at the top will be revised
- For significant changes, we may notify registered users via email
- Continued use of the Website after changes constitutes acceptance of the new Terms
We recommend reviewing these Terms periodically.
13. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of law, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
14. Entire Agreement
These Terms, together with our Privacy Policy, Cookie Policy, and Financial Disclaimer, constitute the entire agreement between you and Today Global Market regarding your use of the Website.
15. Contact Us
If you have any questions about these Terms and Conditions, contact us at:
- Email: info@todayglobalmarket.com
- Subject: "Terms & Conditions Inquiry"
- Response time: Within 48 hours
You can also reach us through our contact page.