Terms of Service | FnoDiary — F&O Trade Journal for Dhan Traders

Important: FnoDiary is a trade journaling tool. We are not SEBI registered and do not provide investment advice, trading recommendations, or financial guidance of any kind. All trading in F&O instruments involves significant risk of financial loss.

1. Acceptance of Terms

By creating an account or using FnoDiary ("the Service"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use FnoDiary.

These Terms are governed by the laws of India. Any disputes will be subject to the jurisdiction of courts in India.

2. Description of Service

FnoDiary is an F&O trade journaling platform that helps Indian retail traders — primarily Dhan users — review, analyse, and reflect on their Nifty and BankNifty options trades. The Service includes:

Trade synchronisation from Dhan via API
Live option and index chart display for trade review
Discipline scoring based on trading behaviour patterns
Psychology journaling linked to trade sessions
Trade calendar, analytics, and chart sharing tools

FnoDiary is a journaling and review tool only. It does not execute trades, manage portfolios, provide market signals, or offer investment advice.

3. Eligibility

You must be at least 18 years old to use FnoDiary.
You must be a resident of India and comply with all applicable Indian laws regarding F&O trading.
You must have a valid Dhan account to use the trade sync features.

4. Account Registration

You register using your phone number. You are responsible for maintaining the confidentiality of your account.
You must provide accurate information during registration.
You are responsible for all activity that occurs under your account.
You must notify us immediately at support@fnodiary.in if you suspect unauthorised access to your account.

5. Dhan API Connection

    Read-only access: When you connect your Dhan account, FnoDiary uses your access token solely to read your trade history and historical candle data. We never use your credentials to place, modify, or cancel orders on your behalf.
  

You are responsible for generating and providing a valid Dhan access token.
Your access token is stored securely and encrypted. See our Privacy Policy for details.
Dhan access tokens expire periodically. You are responsible for refreshing your token when required.
FnoDiary is not affiliated with, endorsed by, or officially partnered with Dhan (Raise Financial Services Pvt. Ltd.).

6. Pricing & Billing

Standard Plan — ₹199/month

Full access to all FnoDiary features. Billed monthly. You may cancel at any time; cancellation takes effect at the end of the current billing period. No refunds for partial months.

Referral Plan — Free Forever

If you sign up through a valid referral link, you receive lifetime free access to all FnoDiary features, with no monthly billing ever. This benefit is:

Non-transferable and tied to your account
Contingent on the referred account remaining active (if the referring user's account is terminated for policy violations, the referral benefit may be reviewed)
Subject to fair use — accounts showing signs of abuse (e.g. fake referrals) may be suspended

Referral Program

Every FnoDiary user receives a unique referral link.
When a new user signs up through your referral link, both you and the new user receive benefits as described in the app.
Artificial manipulation of the referral program (self-referrals, fake accounts, bulk signups) is prohibited and will result in account termination.

7. Acceptable Use

You agree not to:

Use FnoDiary to access another user's account or data without permission
Attempt to reverse-engineer, scrape, or systematically extract data from FnoDiary
Upload or submit false, misleading, or harmful content
Use FnoDiary for any unlawful purpose under Indian law
Circumvent, disable, or interfere with security-related features of the Service
Manipulate the referral system through fake accounts or self-referrals
Share your account credentials with others

8. Chart Sharing

The Share Chart feature generates a public link to a snapshot of a trade's chart data. By using this feature, you acknowledge that:

The shared chart link is accessible to anyone with the URL
Shared charts do not include your phone number or personal account details
You are solely responsible for any trade information you choose to share publicly
We may remove shared content that violates these Terms

9. Intellectual Property

FnoDiary and all its content, features, and functionality (including but not limited to the discipline scoring algorithm, UI design, and article content) are the intellectual property of FnoDiary and are protected under applicable Indian law.

Your trading data and psychology journal entries remain your property. By storing them with FnoDiary, you grant us a limited licence to process and display this data to provide the Service to you.

10. Disclaimers

Trading risk disclaimer: F&O trading involves substantial risk of loss. SEBI data shows that over 90% of individual F&O traders incur net losses. FnoDiary is a journaling tool to help you review and reflect on your trades — it does not guarantee improved trading performance or profitability. Past discipline scores and analytics do not predict future results.

FnoDiary is not SEBI registered and does not provide investment advice, research, or trading recommendations.
Chart data and trade information displayed in FnoDiary is sourced from Dhan's API and is provided for review purposes only. We do not guarantee its accuracy or completeness.
The Service is provided "as is" without warranty of any kind, express or implied.
We do not guarantee uninterrupted or error-free service. Dhan API availability is outside our control.

11. Limitation of Liability

To the maximum extent permitted by Indian law, FnoDiary and its operators shall not be liable for:

Any trading losses incurred while using or based on information from FnoDiary
Any indirect, incidental, or consequential damages arising from your use of the Service
Loss of data due to technical failures, provided reasonable precautions have been taken
Any interruption of service due to Dhan API downtime or changes to Dhan's platform

Our total liability to you for any claim arising from use of the Service shall not exceed the amount you paid for the Service in the 3 months preceding the claim.

12. Termination

You may delete your account at any time by contacting support@fnodiary.in. Upon deletion, your data will be permanently removed within 30 days.

We reserve the right to suspend or terminate your account, with or without notice, if you:

Violate these Terms
Abuse the referral program
Engage in activities that harm the Service or other users

13. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated via a notice on the site. The "Last updated" date reflects the most recent revision. Continued use of FnoDiary after changes constitutes acceptance of the new Terms.

14. Contact

For questions about these Terms: support@fnodiary.in or visit our contact page.