Last updated: 20 September 2026
These Terms of Service govern your use of the Populse mobile application, the populse.in website and related services (together, the "Service"), operated by Subramani Shanmugam, sole proprietor (Udyam Registration UDYAM-TN-28-0207572), based in Tamil Nadu, India ("we", "us").
By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
Populse lets you follow listed Indian companies. For each company you follow, it:
Populse is not:
Everything the Service shows is factual information and educational explanation only. Nothing in it is a recommendation to buy, sell or hold any security, and nothing in it is tailored to your financial situation, objectives or risk appetite. Consult a SEBI-registered Investment Adviser before making any investment decision. Any investment decision you make is your own, taken at your own risk.
You must be at least 18 years old and resident in India to use the Service. By using it, you confirm that you are.
You sign in with your mobile number and a one-time password. You are responsible for keeping your device and sign-in credentials secure, and for activity under your account. Only one device may be signed in at a time — signing in on a new device signs the previous one out. Tell us immediately if you believe someone else has access to your account.
Populse offers a free plan and a single paid plan, Populse — ₹199 per year. The paid plan is purchased on our website and processed securely through Razorpay. It is a one-time annual charge that does not auto-renew: you will not be charged again automatically, and paid features simply lapse at the end of the paid year unless you choose to renew.
Refunds and cancellations. If you are not satisfied, you may request a full refund within 7 days of your payment — no questions asked — either online or by emailing support@populse.in from your registered account. The full amount you paid is returned to your original payment method, typically within 5–7 business days. After 7 days, refund requests are considered on a reasonable, case-by-case basis in line with Indian consumer protection law. Because the plan does not auto-renew, there is nothing to cancel. Our full policy is at Refunds & Cancellations.
We may change the price of the paid plan in future. A change never affects a year you have already paid for.
The Service draws on the companies' own disclosures to the stock exchanges, publicly published exchange files, publicly available market data, and headlines published by news outlets. The plain-language explanations are generated by software, including AI, from the text of the filing itself.
We take reasonable care, and we check figures against the source document before showing them — but we do not guarantee that any explanation, figure, date or translation is accurate, complete or current. Filings can be amended, feeds can fail, and automated summaries can be wrong. The company's original filing is the authority, not our summary of it. Every item links to its source; check it before you act on anything, particularly a date on which money or a vote depends.
Headlines shown in the Service are reproduced as the publisher wrote them, credited to that publisher, and linked to the publisher's own page. They remain the property of their publishers. We do not write, edit or endorse them, and showing a headline is not a statement by us that it is accurate, nor a recommendation of any kind.
If you allow them, we send push notifications about the companies you follow — what they filed, a date that is approaching, or news about them. You can turn notifications off at any time in your device settings. We also send you service messages such as sign-in codes and billing notices.
You agree not to:
The Populse name, app, design, written explanations and software are ours and are protected by law. We grant you a personal, non-transferable, non-exclusive licence to use the Service for your own use while your account is active. Third-party material shown in the Service, such as news headlines and company documents, belongs to its own owners.
We aim to keep the Service available but do not guarantee uninterrupted access. We may add, change or withdraw features. If we withdraw a feature that was a material part of a paid plan you have already paid for, you may ask for a pro-rata refund of the unused part of that year.
The Service is provided "as is" and "as available", without warranty of any kind, express or implied, to the maximum extent permitted by law. We make no guarantee of accuracy, completeness or fitness for a particular purpose.
To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special or consequential loss — including investment losses, trading losses, missed opportunities, lost profits or tax penalties — arising from your use of, or inability to use, the Service. To the maximum extent permitted by law, our total liability to you for any claim relating to the Service is limited to the amount you actually paid us in the 12 months before the claim arose.
Nothing in these Terms limits any liability that cannot be limited under Indian law, including your rights under the Consumer Protection Act, 2019.
Your use of the Service is also governed by our Privacy Policy, which explains what we collect, why, how long we keep it, and your rights under the Digital Personal Data Protection Act, 2023. You can delete your account at any time — see Delete your account.
We may suspend or end your access if you breach these Terms or use the Service in a way that harms it or other users. Where we end a paid account for a reason other than your breach, we refund the unused part of the year. You may stop using the Service and delete your account at any time.
As required by the Consumer Protection (E-Commerce) Rules, 2020 and the Information Technology Rules:
Grievance Officer: Subramani Shanmugam
Email: support@populse.in
Address: Subramani Shanmugam, Sole Proprietor, Tamil Nadu, India
We acknowledge within 48 hours and resolve within 30 days.
These Terms are governed by the laws of India, and disputes are subject to the exclusive jurisdiction of the courts of Tamil Nadu, India. This does not affect your right, as a consumer, to bring a complaint before a consumer forum where you live.
We may update these Terms. Material changes will be notified in the app before they take effect. Continuing to use the Service after that constitutes acceptance.
Questions about these Terms can be sent to support@populse.in.
Populse
Operated by: Subramani Shanmugam (Sole Proprietorship)
Udyam: UDYAM-TN-28-0207572
Tamil Nadu, India