Last updated: 23 October 2026
These Terms & Conditions ("Terms") are an agreement between you and Ravi Boorla, an individual based in India who operates Strat101 ("Strat101", "we", "us"). They govern your use of strat101.com and these products (together, the "Services"):
By using a Service you accept these Terms and our Privacy Policy. Where a product shows additional terms, they apply on top of these, and they prevail for that product if the two conflict. If you use a Service on behalf of an organisation or housing society, you confirm that you are authorised to accept these Terms for it.
You must be at least 18 years old and able to enter a binding contract to use StratFi, StratOS, CiFort, Casper, SimVest or finOra. Rise is for school students:
Keep your sign-in details, one-time codes, master passwords and API keys confidential. You are responsible for activity under your account. Tell us promptly at support@strat101.com if you suspect unauthorised access. Provide accurate information and keep it current.
StratFi and StratOS. AI-generated plans, scores, briefs and commentary are aids to judgement. Review them before relying on them; strategic, financial and legal decisions remain yours.
CiFort. CiFort is zero-knowledge: only you hold the key to your vault. If you forget your master password, or delete or lose your vault file, we cannot recover your data. Keep your master password safe and your vault backed up.
Casper. Casper is early-access desktop software provided "as is". It reduces tracking but cannot make you anonymous. Websites can still see your IP address unless you use a VPN or Tor, and sites you sign in to know who you are. Use Casper, including its Tor and VPN options, only in compliance with applicable law.
SimVest. SimVest is an educational planning and calculation tool, not investment, tax or legal advice. We are not a SEBI-registered investment adviser or research analyst. Tax rules are simplified and may lag changes in law. Market prices come from third-party sources and may be delayed or wrong. Your data lives in your browser, so clearing browser data deletes it unless you have backed it up. Consult a qualified professional before acting on any figure.
finOra. finOra is bookkeeping software. It does not provide accounting, audit, tax or legal advice. The society and its committee are responsible for:
finOra does not hold, collect or transfer money; it only records payments made by other means.
Rise. Rise is practice and revision material. It is not affiliated with or endorsed by CBSE, CISCE or any other board, and it does not guarantee exam results. Questions, solutions and notes are prepared for practice and may contain errors. Please report any you find to rise@strat101.com. Career Pathing information is general guidance, not counselling.
You agree not to:
You keep all rights to the content and data you put into the Services. You give us a limited licence to host, process and display it only to provide the Services to you. If you send us feedback or suggestions, we may use them without obligation to you.
The Services connect to services we do not control, and their terms and privacy policies govern your use of them. These include:
We are not responsible for their availability, actions or content.
The Services, including their software, design, content (such as Rise's question banks and notes) and the names and logos StratFi, StratOS, CiFort, Casper, SimVest, finOra, Rise and Strat101, belong to us or our licensors. These Terms grant you a personal, non-transferable right to use the Services, and no other rights.
We work to keep the Services available but do not guarantee uninterrupted or error-free operation. We may change, suspend or discontinue features or products. Where practicable, we will give reasonable notice and a way to export your data before a product you rely on is discontinued.
To the extent the law allows, the Services are provided "as is" and "as available", without warranties of any kind, express or implied. This includes fitness for a particular purpose, accuracy of AI output, market data, tax calculations or study material, and non-infringement.
To the extent the law allows, we are not liable for indirect, incidental, special or consequential losses, or for loss of profits, data, goodwill or business opportunity. Our total liability for all claims relating to the Services is limited to the greater of (a) the amount you paid us for the relevant Service in the 12 months before the claim, or (b) ₹5,000. Nothing in these Terms limits liability that cannot be limited by law, or your statutory rights as a consumer.
You will indemnify us against claims, losses and costs arising from your content, your breach of these Terms, or your violation of law or of a third party's rights.
You may stop using any Service, or delete your account, at any time. We may suspend or end your access if you materially breach these Terms, if required by law, or to protect the Services or other users, with notice where practicable. After termination, sections 7 and 9 to 16 continue to apply, and your data is handled as described in our Privacy Policy, including export where available.
These Terms are governed by the laws of India. Before starting formal proceedings, please contact us so we can try to resolve the issue informally within 30 days. Subject to that, the courts at Bengaluru, Karnataka, have exclusive jurisdiction. This does not take away any right you have to approach a consumer forum under the Consumer Protection Act, 2019.
These Terms, together with the Privacy Policy and any product-specific terms, are the entire agreement between you and us about the Services. If any part is found unenforceable, the rest remains in effect. Not enforcing a right is not a waiver of it. You may not transfer your rights under these Terms without our consent; we may transfer ours to a successor to the relevant Service, with notice to you.
We will post any update on this page with a new date. For material changes, we will also notify account holders by email or in the product at least 15 days before they take effect. Continuing to use the Services after that means you accept the updated Terms.
Questions about these Terms: legal@strat101.com. Support, billing and refunds: support@strat101.com.
Grievance Officer, Strat101 — privacy@strat101.com. We acknowledge complaints within 24 hours and aim to resolve them within 15 days, as required by the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.