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Terms & Conditions

Acceptance of Terms

By using, you agree to be bound by these terms and conditions, and any other policies, guidelines, or rules that may be posted on our website or other platforms under the Sarmaaya Financials umbrella. If you do not agree to these terms, please do not use our website or associated apps, web portals, training, and premium groups.


By subscribing to our services, you agree to pay the subscription fee or other charges as specified by us.

Informational Purposes Only

Our website provides information about financial instruments, their measurements, and real-time tracking. It does not constitute financial or investment advice. You should not rely on the information on our website as a substitute for professional financial or investment advice.

Information from External Sources

Sarmaaya Financials and other product(s)/service(s) under its umbrella may use data from publicly available external sources. Any change in these sources or other external factors can lead to the redundancy of its application, without any notice whatsoever. We and our team are not liable to bear responsibility for inaccurate information from external sources.

No Guarantee

While we strive to provide accurate and up-to-date information on our website, third-party information and tools are subject to change. We do not guarantee the accuracy, completeness, or reliability of any information on our website. Furthermore, we reserve the right to modify or update our website at any time without notice.

Limitation of Liability

We are not liable for any damages, including indirect, incidental, or consequential damages, arising from the use or inability to use our website. We also do not guarantee the security or availability of our website, and we are not liable for any damages resulting from unauthorized access to our website.

Intellectual Property

All content on our website, app, and social media handles Facebook, Instagram, and Twitter including text, graphics, layouts, designs, logos, images, premium courses content (in all forms, written, videos, live sessions) and software, is our intellectual property or the property of our licensors and is protected by Intellectual Property Laws in Pakistan. You may not reproduce, modify, distribute, or display any content on our website without our prior written consent.

Third-Party Websites

Our website may contain links to third-party websites that are not under our control. We are not responsible for the content, accuracy, or availability of any third-party websites linked to our website. You use third-party websites at your own risk.

Privacy Policy

Our Privacy Policy outlines how we collect, use, and protect your personal information. We respect your privacy and will not share your personal information with third parties without your consent, except as the law requires.

Governing Law

These terms and conditions shall be governed by and construed in accordance with the laws of SECP and The Government of Pakistan.

Changes to Terms

We may modify these terms and conditions at any time without prior notice. Your continued use of our website, apps, or any other product(s) or service (s) after any changes to these terms and conditions constitutes your acceptance of the modified terms.

Please contact us if you have any questions about these terms and conditions.

Financial literacy is your key to success and a promise of a secure future in turbulent times. We offer you the right education and resources you need to achieve your financial dreams. Sarmaaya is a trusted source of research and information about Forex, Mutual Funds, and Stocks. Our widgets, tools and calculators aid in identifying potential investment opportunities and valuable insights that can help achieve your short and long-term financial goals.


Sarmaaya Financials Private Limited is a Pakistan Stock Exchange (PSX) authorized data redistributor. Sarmaaya & CS Solutions (Pvt.) Limited (CS) do not guarantee the timeliness, accurateness, or completeness of any data or information on the website. Sarmaaya & CS makes no warranties, express or implied, as to Sarmaaya & CS or any data or values relating thereto or results to be obtained therefrom, and expressly disclaims all warranties of merchantability and fitness for a particular purpose with respect thereto. To the maximum extent allowed by law, Sarmaaya & CS, its licensors, and their respective employees, contractors, agents, suppliers and vendors shall have no liability or responsibility whatsoever for any injury or damages – whether direct, indirect, consequential, incidental, punitive or otherwise – arising in connection with Sarmaaya & CS or any data or values relating thereto – whether arising from their negligence or otherwise. Nothing in the website shall constitute or be construed as an offering of financial instruments or as investment advice or investment recommendations (i.e., recommendations as to whether or not to “buy”, “sell”, “hold”, or to enter or not to enter into any other transaction involving any specific interest or interests) by Sarmaaya & CS or a recommendation as to an investment or other strategy by Sarmaaya & CS. Data and other information available via the website should not be considered as information sufficient upon which to base an investment decision.