OneSkill Terms and Conditions

Last updated: 19 October 2026. These Terms stay in force until replaced by an updated version.

These Terms and Conditions ("Terms") govern your use of the OneSkill website, mobile application, courses and services. Please read them carefully. By creating an account, enrolling, paying or otherwise using our services, you agree to these Terms and to our Privacy Policy.

1. Who we are

• OneSkill Education Pvt. Ltd. provides education and learning content, and financial services (research, stock screeners, the Oneace.ai chatbot and algo services) under the brand name Capital Markets by OneSkill, which is owned and operated by OneSkill Education Pvt. Ltd., a SEBI Registered Research Analyst, Registration No. INH000030773. Principal Officer: Mandeep Singh Chhabra.
• OneSkill Capital Edfintech Pvt. Ltd. provides taxation services and works as an Authorised Person (AP) for the distribution of financial products, as described in Section 4.
• Address: 521 Kanwali Road, Near Balliwala Chowk, Dehradun 248001, Uttarakhand, India
• Contact: education: support@oneskilledu.com; research, taxation and distribution services: support@oneskillcapital.com; phone +91-7668953001

In these Terms, "OneSkill", "we", "us" and "our" mean the company that provides the service you use, and the "Platform" means our website, app and related tools. Each company is responsible only for its own services.

2. Eligibility and your account

• Education: open to everyone, with no age limit. If you are under 18, a parent or legal guardian must create the account or give consent, and is responsible for the minor's use and any payments.
• Research, taxation, distribution, algo and any other financial services: you must be at least 18 years old and legally able to enter into a contract.
• Give accurate, complete and current information, and keep it updated.
• Keep your password and one-time codes confidential. You are responsible for all activity on your account. Tell us at once if you suspect misuse.
• One person, one account. Do not share, sell or transfer your account or your access to paid content. A parent or guardian may manage a child's account.
• We may refuse, suspend or close an account if the information is false, the account is misused, or the law requires it.

3. KYC and verification

For research, taxation and distribution services, and wherever the law requires, we must verify your identity and address under SEBI regulations, the Prevention of Money Laundering Act and similar laws. You agree to give genuine documents and to cooperate with our KYC providers. If you are outside India, we may ask for equivalent international documents and sanctions checks. No paid or regulated service will be provided, activated or continued until all required onboarding, KYC, risk-profiling, agreement and other compliance steps are fully completed and accepted by us. We may delay, withhold, suspend or decline a service if any of these steps is incomplete, expired or fails, and no fee is refundable for this reason, except as the law or SEBI regulations require. See our Privacy Policy for how your KYC data is used and protected.

4. Our services

Education. OneSkill Education Pvt. Ltd. offers courses, certifications, webinars, workshops and learning content on finance and investing. Education is general in nature. It is not investment advice and does not create a client relationship for research services.

• Certifications. A certificate shows that you completed a course. It is not a licence, a SEBI or NISM registration, or a guarantee of a job.
• Jobs and apprenticeships. Alumni can explore job and apprenticeship opportunities through us. We connect you with opportunities and partners, but we are not the employer and we do not guarantee any interview, placement, salary or outcome. Employers decide independently.
• Career counselling. Counselling is general guidance based on what you tell us. It does not guarantee any result.
• Franchise partners. Franchisees run OneSkill-branded centres or distribute our courses under a separate written franchise agreement, which governs their relationship with us. Franchise partners pay a one-time, non-refundable franchise fee of Rs. 10,00,000 (Rs. 10 lakh) plus GST, as set out in that agreement. Franchise rights cover education services only, as an authorised OneSkill training centre. A franchisee has no right to give buy or sell recommendations, research or investment advice, to offer research, algo or taxation services, or to promise returns, jobs or refunds on our behalf.
• Refer and earn. If you refer someone to a course, you may earn a reward as stated in the offer at that time (a commission paid to the referrer of 10% of the course fee paid by the referred person or Rs. 2,000, whichever is lower). A reward is credited only after the referred person's valid, paid purchase is complete and cleared. Self-referrals, fake or duplicate accounts and misleading promotion are not eligible and may lead to loss of rewards and suspension. We may change or end the programme at any time. Rewards may be taxable, and you are responsible for any tax on them.

Research services. Research services are provided only by OneSkill Education Pvt. Ltd. as a SEBI Registered Research Analyst, under the brand Capital Markets by OneSkill, which it owns and operates. They include buy and sell research recommendations for different financial instruments, stock screeners, the Oneace.ai financial AI chatbot, algo services, and Free, Pro and Elite subscriptions. Recommendations and paid research are made available only after you complete onboarding, KYC and risk profiling and sign the client agreement. If these Terms and the client agreement differ, the client agreement applies to the research service.

Subscriptions. Free, Pro and Elite plans give different levels of content and tools, as described on the pricing page when you buy. A plan gives access for its stated period only. Buying a paid research plan permanently disables investing in SEBI-regulated products through our AP service (see Distribution services below). Features and prices may change for future periods. Paid plans renew automatically every month or every year, depending on the plan you choose, until you switch off auto-renewal in your account before the renewal date. We will remind you before a renewal as the law requires.

Stock screeners. Screeners filter market data using criteria you choose or we provide. Results come from data that may be delayed or contain errors. They are tools, not recommendations to buy or sell.

Oneace.ai AI chatbot. Oneace.ai is a finance assistant offered under Capital Markets by OneSkill, the research brand of OneSkill Education Pvt. Ltd. (SEBI Registered Research Analyst, Registration No. INH000030773). Investments in the securities market are subject to market risks. Read all related documents carefully before investing. Do not enter passwords, OTPs or card details in the chat.

Algo services. Algo services, offered under Capital Markets by OneSkill by OneSkill Education Pvt. Ltd., are a platform where you can publish your own trading strategy, automate your trades through your own broker account, or buy an existing strategy and either observe it or automate it. Algo services are offered only as permitted by SEBI rules and your broker's terms, and you can stop or disconnect at any time.

• Publishing your own strategy. If you publish a strategy, you confirm that you own it or have the right to publish it, that it is lawful, that you describe it honestly, and that you hold any registration the law requires for offering strategies or advice to others. You must not promise returns or publish false or misleading performance claims. We may review, reject, suspend or remove a strategy. Algo services are available on a monthly subscription, or with unlimited access under the Elite subscription, as shown when you buy. Any fee for publishing a strategy is shown when you publish.
• Buying and following strategies. A strategy published by someone else is that person's product and not our recommendation, unless it is clearly labelled as OneSkill research. Past or back-tested performance is not a guide to future results. You decide whether to observe or automate a strategy, and you are responsible for your orders, margins and losses.
• Automating your trades. You choose your broker, strategy, capital and risk limits, and you remain responsible for all orders and losses in your account. We do not hold your funds or securities and we do not assure any profit. Delays, rejections, slippage and outages can occur because algo services depend on your broker, the exchange, your internet connection and system uptime, and we are not responsible for them.

Technology licensing to businesses. OneSkill also licenses its algo software to other fintech companies and businesses as a technology service, on a white-label or black-label (private-label) basis, under a separate written agreement, for a one-time software and technology fee. If you use another company's product that runs on our technology, that company, not OneSkill, is responsible for its own regulatory status, its customer relationship and its own terms. Nothing here makes OneSkill the provider of that company's investment, advisory or research services.

Taxation services. OneSkill Capital Edfintech Pvt. Ltd. provides taxation services to all users who ask for them. You are responsible for the accuracy and completeness of the documents and information you give us. Filing deadlines and final tax liability depend on the law and on your facts; we do not guarantee any refund or tax outcome.

Distribution services (Authorised Person). OneSkill Capital Edfintech Pvt. Ltd. works as an Authorised Person (AP) and distributor of financial products, through the SEBI-registered stock broker, depository, mutual fund house or other regulated intermediary or product provider whose products it offers. These include SEBI-regulated products (stocks, ETFs, bonds, mutual funds, SIFs, AIFs and PMS) and non-SEBI products (loans, insurance and travel). Orders, accounts and funds for SEBI-regulated products are handled by the relevant regulated intermediary under its own terms, and we do not hold your funds or securities. Loans, insurance and travel are provided by third-party lenders, insurers and travel partners under their own terms and approvals, and we only introduce or distribute them. Distribution is not research or investment advice.

Research and distribution cannot be combined (SEBI rule). Under SEBI rules, a client cannot be charged for both research and distribution, directly or indirectly. So if you buy a paid research subscription (Pro or Elite) or any other paid research service, you cannot invest in SEBI-regulated products (stocks, ETFs, bonds, mutual funds, SIFs, AIFs and PMS) through our AP distribution service. Free plan users can invest in SEBI-regulated products through our AP service for as long as they do not buy a paid research subscription. Once you buy a paid research subscription, access to SEBI-regulated products through our AP service is disabled permanently, even if the subscription later ends or is cancelled. After that you can still connect your own broker account to our research and algo tools, and we do not charge any direct or indirect commission on trades in that account. Non-SEBI products (loans, insurance and travel), education and taxation stay available to everyone. Please decide before you buy a subscription. You agree to give correct information so that we can apply this rule, and we may check our records and decline or stop a distribution request that is not allowed. A research fee is not refunded because the distribution option is disabled.

Separate services. Education and research (OneSkill Education Pvt. Ltd.) and taxation and distribution (OneSkill Capital Edfintech Pvt. Ltd.) are separate services from separate companies. Using one does not entitle you to another. Buying paid research permanently disables SEBI-regulated distribution through our AP service, as explained above.

5. Risk disclosures and disclaimers

• Investments in the securities market are subject to market risks. Read all related documents carefully before investing.
• No guaranteed returns. We do not promise or assure any profit, return or income, and nothing we publish is a guarantee. Past performance does not indicate future results. You can lose some or all of your money.
• Research views are based on information believed to be reliable at the time, and may change. They are not a recommendation to a person who has not been onboarded as a research client, and they may not suit your objectives or risk profile.
• You decide whether to act on research or education content, and you are responsible for your own investment and tax decisions. Consider speaking to your own advisers.
• Screener results are tools to help you research. They are not recommendations to buy or sell.
• Algo and automated trading carries extra risks beyond normal market risk: system failures, delays, slippage, wrong or rejected orders and loss of capital. You are responsible for monitoring your account.
• We do not accept money or securities from you for investment, we do not offer assured-return schemes, and we do not manage your funds. Under algo services, orders go only through your own broker account under rules you set. Products distributed through our AP service carry the risks and follow the terms of the product and the regulated intermediary. Insurance is the subject matter of solicitation, and loans are subject to the lender's approval.
• Examples, charts, back-tests and testimonials are for illustration and do not represent typical results.
• Course, certification, jobs, apprenticeship and counselling services carry no guarantee of employment, income or any particular outcome.
• Registration granted by SEBI and certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.
• Calls, messages or social-media accounts claiming to be OneSkill and asking for money or offering guaranteed returns are fraudulent. Use only the contacts listed in these Terms and report suspicious approaches to us.

6. Using the Platform

• Use the Platform lawfully and only for your own learning or for the services you have signed up for.
• Do not copy, record, resell, share or publicly post paid sessions, research reports, study material or account access.
• Do not attempt to hack, scrape, overload, reverse-engineer or interfere with the Platform, or use bots or automated tools without our written permission.
• Do not post abusive, misleading or unlawful content, or impersonate any person or business.
• Do not use the Platform to give investment advice to others, or promote any security, scheme or service, in a way that could appear to come from OneSkill.
• We may remove content or restrict access if these rules are broken.

7. Fees, payments and refunds

• Fees are shown in Indian rupees (or the currency stated at checkout) and include applicable taxes such as GST unless stated otherwise. Research service fees are charged only as set out in your client agreement and within SEBI rules. Taxation fees are quoted before you engage us. Any fee or commission for distribution is disclosed before you transact and is charged only as SEBI rules and other laws allow.
• Pay only through the payment options on our Platform or an official invoice. We never ask you to pay into a personal account.
• Our payment partners process payments. We do not store full card numbers.
• No refunds. All fees for courses, certifications, subscriptions (Free, Pro and Elite), research services, algo services, franchise and other purchases are non-refundable once paid, except as stated in our Refund Policy or where the law or SEBI regulations require a refund. Please read the Refund Policy before you pay.
• Access under a paid plan ends when the paid period ends unless you renew.
• If a payment fails or is reversed, we may suspend the related service until it is settled.

8. Intellectual property

All content on the Platform, including courses, videos, research reports, study material, text, graphics, logos, the OneSkill name and software, is owned by us or our licensors and is protected by law. We give you a personal, limited, non-exclusive, non-transferable licence to use the content for your own learning for as long as your access lasts. You may not copy, publish, sell, modify or create other works from it without our written permission.

9. Third-party links and services

The Platform may link to or work with third-party sites and services, such as KYC providers, payment gateways, brokers, exchanges and video platforms. We do not control them and are not responsible for their content, availability or terms. Using them is at your own risk and subject to their terms.

10. Availability and changes

We work to keep the Platform available, but we do not promise it will be uninterrupted or error-free, and it may be unavailable for maintenance, technical or legal reasons. Market data and content may be delayed or incomplete. We may change, suspend or discontinue features, courses or services, and will give reasonable notice and a fair remedy where you have paid for something we withdraw.

11. Limitation of liability

To the fullest extent the law allows:

• We are not liable for any investment loss, trading loss, lost profit or indirect or consequential loss arising from your use of our content or services, or from decisions you make based on them.
• Our total liability for any claim relating to a service is limited to the fees you paid us for that service in the 12 months before the claim.
• Nothing in these Terms limits liability that cannot be limited by law, such as liability for fraud or for death or personal injury caused by our negligence, or any rights you have under SEBI regulations or consumer-protection law.

You agree to compensate us for loss caused by your breach of these Terms, your misuse of the Platform, or your false information, to the extent the law allows.

12. Suspension and termination

You may stop using the Platform or close your account at any time by writing to us. We may suspend or end your access, with notice where practicable, if you break these Terms, give false information, misuse the Platform, fail KYC, or if the law or a regulator requires it. Sections that by their nature should continue (such as intellectual property, disclaimers, liability, record retention and governing law) continue after termination. We keep records for the period required by law, as described in our Privacy Policy.

13. Users outside India

We serve users in India and in other countries. You are responsible for making sure that using our services is lawful where you live. Some services may not be available in every country, and we may refuse or end them where the law or our regulators do not allow us to serve you.

14. Governing law and disputes

These Terms are governed by the laws of India. Please first try to resolve any complaint through our grievance process below. Subject to that, and to any right you have under SEBI regulations to use SEBI's Online Dispute Resolution process or to approach SEBI or consumer forums, the courts at Dehradun, Uttarakhand have exclusive jurisdiction over disputes arising from these Terms.

15. Complaints and grievances

• OneSkill Education Pvt. Ltd. (education and research services): Mandeep Singh Chhabra, Principal Officer and Grievance Officer — mandeepchhabra.ra@gmail.com · +91-7668953001
• OneSkill Capital Edfintech Pvt. Ltd. (taxation and distribution services): Jivesh Kumar Ghai, Grievance Officer — support@oneskillcapital.com

We acknowledge every complaint within 48 hours and aim to resolve it within 7 working days. If you are not satisfied with a research or other SEBI-regulated service, you may complain to SEBI through the SCORES portal (https://scores.sebi.gov.in) or use the Online Dispute Resolution platform (https://smartodr.in).

16. Changes to these Terms

We may update these Terms from time to time. We will post the new version on this page with a revised "Last updated" date and, for material changes, tell you by email or in the app. If you keep using our services after a change, you accept the updated Terms.

17. General

If any part of these Terms is found unenforceable, the rest stays in force. Our not enforcing a right is not a waiver of it. You may not transfer your rights under these Terms; we may transfer ours to a successor of our business. These Terms, our Privacy Policy and your client agreement (where one applies) are the entire agreement between you and us on these subjects.

18. Contact us

OneSkill Education Pvt. Ltd. (education: support@oneskilledu.com; research and financial services under Capital Markets by OneSkill: support@oneskillcapital.com) and OneSkill Capital Edfintech Pvt. Ltd. (taxation and distribution services: support@oneskillcapital.com), 521 Kanwali Road, Near Balliwala Chowk, Dehradun 248001, India · +91-7668953001