Terms of service.

SmartKarobaar is operated from Nepal (“we”, “us”, “SmartKarobaar”). The SmartKarobaar mobile app and the service that supports it are owned and operated by us. Contact: support@smartkarobaar.com.

SmartKarobaar is a NEPSE-focused investment tool. It surfaces live and end-of-day NEPSE market data, lets you record holdings and transactions to compute portfolio P&L, and provides a heatmap, watchlists, price alerts, a stock screener, buying-strength and circuit-range views, a floorsheet view with broker summaries, symbol pages with technical indicators, a calendar of corporate events, IPO tracking, a trade journal, NEPSE-specific learning content, community group chat, and an AI assistant that explains symbols in English or Nepali.

SmartKarobaar is informational software. Nothing in the app — including indices, prices, floorsheet attributions, broker activity, screener results, indicator readings, calculator outputs, or AI answers — constitutes investment, tax, legal or accounting advice. Market data is sourced from NEPSE feeds and reformatted for display; we work hard to keep it accurate but make no warranty of accuracy, completeness or timeliness. You are solely responsible for your trading decisions. Past performance is not indicative of future results.

You need an account to use SmartKarobaar. You agree to provide a real email address and to keep your credentials confidential. You can sign in with email, Google, or Apple. You are responsible for activity that occurs under your account. Notify us at support@smartkarobaar.com promptly if you suspect unauthorised access.

You agree not to: scrape, mirror or systematically extract market data or content for redistribution; reverse engineer the app except where local law permits; use the service for market manipulation, insider trading or any unlawful activity; probe or breach security measures; or resell or commercially exploit the app or its data without our written permission.

The AI assistant explains NEPSE data in plain language, but it can make mistakes. Always verify figures against symbol pages and official disclosures before trading. Price alerts and push notifications are delivered on a best-effort basis over Apple, Google and OneSignal infrastructure and are not guaranteed to arrive before a price moves.

Market data and corporate-action information shown in SmartKarobaar is sourced from NEPSE feeds and reformatted for display. NEPSE remains the source of truth for official market data; displayed data may be delayed. SmartKarobaar relies on a small number of third-party providers (hosting, push delivery via OneSignal, Google / Apple sign-in); details are in our Privacy Policy.

The app, its source code, design, brand, copy and visual identity are owned by us. We grant you a limited, personal, non-transferable, non-sublicensable, revocable licence to use SmartKarobaar on devices you own or control, for your personal use, subject to these terms. All rights not expressly granted are reserved.

You retain ownership of the holdings, transactions, journal entries, watchlists and alerts you enter. You grant us a limited licence to host, process and display this content as necessary to operate the service for you. We do not use your portfolio content for advertising, and it is shared only with the service providers the Privacy Policy lists, to run the service.

If you obtained SmartKarobaar from Apple's App Store or Google Play, you also agree to the applicable store's end-user terms. Where any term of those store agreements conflicts with these terms, the store agreement controls only to the extent of the conflict and only as between you and the store. Apple Inc. and Google LLC are not parties to these terms and have no obligation to provide support for SmartKarobaar.

You may stop using SmartKarobaar at any time and request deletion of your account as described on the delete-account page. We may suspend or terminate your account if you materially breach these terms, if required by law, or to protect the security of the service. Upon termination your right to use the app ceases; provisions intended to survive termination will survive (disclaimers, IP, limitation of liability, governing law).

The service is provided “as is” and “as available” without warranties of any kind, express or implied. To the maximum extent permitted by applicable law, we disclaim all warranties including merchantability, fitness for a particular purpose, non-infringement, and accuracy or timeliness of market data.

To the maximum extent permitted by applicable law, SmartKarobaar is not liable for any indirect, incidental, special, consequential or exemplary damages, or any loss of profits, trading losses, revenues, data, goodwill or other intangible losses, arising out of or relating to your use of (or inability to use) the service. Our total cumulative liability for any claim arising out of these terms will not exceed the greater of (a) the amount you paid us for the service in the 12 months preceding the claim, or (b) NPR 5,000.

You agree to indemnify and hold harmless SmartKarobaar and its operator from any claim or demand arising out of your breach of these terms, your misuse of the service, or your violation of applicable law.

We may modify, add or discontinue features at any time. We avoid breaking changes that would remove data you've entered without giving you a chance to export it first.

We may update these terms from time to time. When we make material changes we'll update the “Last updated” date and, where appropriate, notify you in-app. Continued use of SmartKarobaar after a change indicates acceptance.

These terms are governed by the laws of Nepal, without regard to conflict-of-law principles. Disputes will be resolved in the competent courts of Nepal, unless mandatory consumer-protection law in your jurisdiction grants you the right to litigate locally.

Questions about these terms: support@smartkarobaar.com.