1. Who we are
Skylar Learning is operated by [LEGAL ENTITY NAME], [REGISTERED ADDRESS] ("Skylar", "we", "us"). By using this website you agree to these terms. If you do not agree, please do not use the website.
2. What we provide
Skylar provides investor-education content: lessons, atlases, knowledge checks, chapter tests, Market Rewind case studies, Skylar Coins (a learning currency with no cash value) and certificates of completion. We do not provide investment advice, research reports or recommendations. Please read our Disclaimer, which forms part of these terms.
3. Eligibility
You must be at least 18 years old, or use the website under the supervision of a parent or guardian.
4. Your progress, Skylar Coins and certificates
- If you use Skylar without signing in, progress and certificates are stored only in your browser, and we cannot recover them if your browser data is cleared. If you sign in, they are saved to your learner account.
- Learner accounts are for people aged 18 and over. Keep access to your email or Google account secure; anyone who can sign in as you can see and change your progress. We may suspend accounts used to manipulate progress, coins or certificates.
- Certificates issued to an account carry a credential ID that anyone can check on our verification page. They confirm completion of educational content only. If you delete your account, its certificates stop verifying.
- Skylar Coins have no cash value. They cannot be bought, sold, transferred, withdrawn or exchanged for money, securities or anything outside Skylar Learning. Coins, chapter unlocks and the Referral Programme are governed by our Skylar Coins & Referral Programme terms.
- Certificates confirm completion of Skylar content only and must not be presented as a professional or regulatory qualification.
- You agree not to manipulate progress records, automate answers or misrepresent a certificate.
4a. Profiles and the community
- Your community profile (name, handle, bio, city, experience, interests and badges) and the questions, answers and groups you post are public. Your email address is never shown.
- You must follow the community guidelines. In particular you must not post stock tips, buy or sell calls, trade targets, return promises, paid groups or contact details. Members' posts are their own views; they are not advice from Skylar and Skylar does not endorse them.
- You keep ownership of what you post and give Skylar a licence to display it on Skylar Learning. We may moderate, hide or remove content and suspend accounts that break these terms or the guidelines.
- Badges describe a learner's activity (email confirmed, certificate earned) or a role confirmed by Skylar (Skylar verified). They are not a SEBI registration or a qualification to give advice.
5. Acceptable use
You agree not to: copy, republish, sell or redistribute our content without written permission; scrape or bulk-download the website; attempt to disrupt or gain unauthorised access to the website; or use our content to give investment advice or market tips to others while presenting it as Skylar's view.
6. Intellectual property
All content on this website, including text, charts, atlases, case studies, design, logos and the Skylar name, belongs to Skylar or its licensors and is protected by law. You may use it for your personal, non-commercial learning.
7. Third-party services
Links to third parties, including stockbrokers, are provided for convenience. Your relationship with any third party is governed by its own terms. We may receive compensation for referrals and will disclose it where it applies.
8. Paid features
The curriculum is currently free. If we introduce paid features, their price, inclusions and refund terms will be shown clearly before you pay, and separate terms may apply.
9. Disclaimer of warranties and limitation of liability
The website is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties and are not liable for any direct or indirect loss, including trading or investment losses, arising from your use of the website or reliance on its content.
10. Changes and termination
We may update these terms, the content or the website at any time. Material changes will be indicated by the "last updated" date. We may suspend access for anyone who breaches these terms.
11. Governing law and grievances
These terms are governed by the laws of India, and the courts at [CITY] have exclusive jurisdiction. Grievances can be sent to our Grievance Officer, [NAME], at . We aim to acknowledge complaints within 48 hours and resolve them within [15] days.