Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms," "Agreement") constitute a legally binding contract between you ("User," "you," "your") and Delta AI Exchange India Private Limited ("Delta AI," "Company," "we," "us," or "our"), a company incorporated under the Companies Act, 2013 with CIN U74999MH2024PTC000001, having its registered office at Level 12, Sunshine Tower, Senapati Bapat Marg, Dadar West, Mumbai – 400028, Maharashtra, India.

By accessing our website, downloading our mobile application, creating an account, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and all other policies incorporated herein by reference. If you do not agree to these Terms, you must immediately cease using our services.

2. Definitions

• "Platform" means the Delta AI Exchange India website (deltaaiexchange.in) and mobile applications.
• "Services" means all products and services offered by Delta AI including spot trading, futures trading, staking, AI signals, and education.
• "Digital Asset" or "Cryptocurrency" means any blockchain-based token or coin traded on our Platform.
• "INR" means Indian Rupee, the lawful currency of India.
• "KYC" means Know Your Customer — the identity verification process required by Indian law.
• "AML" means Anti-Money Laundering — measures to prevent money laundering as required under PMLA 2002.
• "TDS" means Tax Deducted at Source under Section 194S of the Income Tax Act, 1961.
• "AI Signals" means algorithmic trading recommendations generated by Delta AI's machine learning models.
• "Wallet" means your digital wallet on the Delta AI platform for holding crypto assets and INR balance.

3. Eligibility & Account Registration

3.1 Eligibility Requirements

To use Delta AI Exchange India, you must:

• Be at least 18 years of age;
• Be a resident of India or a Non-Resident Indian (NRI) with a valid Indian PAN card;
• Have full legal capacity to enter into binding agreements;
• Not be subject to any sanctions, export controls, or blacklisting by Indian or international authorities;
• Not be a citizen or resident of a jurisdiction where cryptocurrency trading is prohibited.

3.2 Account Registration

To access our Services, you must register for an account by providing accurate, current, and complete information. You agree to maintain and promptly update this information. You are responsible for all activities that occur under your account. Each individual or entity may maintain only one account; duplicate accounts will be terminated.

3.3 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately at security@deltaaiexchange.in of any unauthorized use of your account. Delta AI is not liable for any loss arising from unauthorized account access caused by your negligence.

4. KYC & AML Compliance

Delta AI is registered with the Financial Intelligence Unit — India (FIU-IND) and is fully compliant with the Prevention of Money Laundering Act, 2002 (PMLA). As a regulated financial services provider, we are required to:

• Verify your identity using government-issued documents (PAN card mandatory, Aadhaar strongly recommended);
• Conduct ongoing due diligence on all accounts;
• Screen transactions against anti-money laundering and counter-terrorism financing databases;
• Report suspicious transactions to FIU-IND as required by law;
• Maintain all KYC and transaction records for a minimum of 5 years.

Failure to complete KYC verification will result in restricted account access. Providing false information during KYC is a criminal offense under Indian law and will result in permanent account suspension and potential legal action.

5. Platform Services

5.1 Trading Services

Delta AI provides a marketplace for the buying and selling of digital assets. We act as a facilitator, not a principal, in all trades executed on our platform. We do not guarantee the execution of any order or the availability of any specific trading pair.

5.2 AI Trading Signals

IMPORTANT DISCLAIMER: AI trading signals provided by Delta AI are generated by algorithmic models for informational and educational purposes only. They do NOT constitute financial advice, investment recommendations, or guarantees of profit. Past signal performance is not indicative of future results. All trading decisions are made at your sole discretion and risk.

5.3 Staking & Earn

Staking rewards are variable and subject to market conditions. Quoted APY rates are estimates and may change without notice. Participation in staking programs involves risk, including the risk of loss of principal in certain market conditions.

5.4 Futures Trading

Futures trading involves substantial risk of loss. Leveraged positions can result in losses exceeding your initial investment. Only trade futures if you fully understand the risks. We provide liquidation protection features, but they cannot guarantee prevention of all losses.

5.5 Service Availability

We strive for 99.98% uptime but do not guarantee uninterrupted service. Scheduled and emergency maintenance may temporarily interrupt services. We are not liable for losses arising from service interruptions.

6. Fees, Charges & Taxes

6.1 Trading Fees

Spot trading fees are 0.08% (maker) and 0.10% (taker). Futures trading fees are 0.02% (maker) and 0.06% (taker). Fees may be reduced based on your monthly trading volume or Delta AI token holdings. Our complete fee schedule is available on our website and is subject to change with 30 days' notice.

6.2 TDS Deduction (Section 194S)

In compliance with the Income Tax Act, 1961, Delta AI deducts Tax at Source (TDS) at the rate of 1% on the gross consideration for each crypto asset transfer. This applies to all users where the aggregate value of transactions exceeds ₹10,000 per financial year (or ₹50,000 for specified persons). TDS certificates (Form 16A) are provided quarterly.

6.3 GST

All applicable Goods and Services Tax (GST) charges, as mandated by Indian tax law, will be added to applicable fees. GST invoices are available for download from your account dashboard.

6.4 INR Fees

INR deposits and withdrawals are currently free for all KYC-verified users up to ₹10 lakh per day. Transactions above this limit may attract a nominal fee. Cryptocurrency withdrawal fees vary by network and are disclosed at the time of withdrawal.

7. Trading Rules & Conduct

All users must adhere to the following trading conduct rules:

• Prohibition on Market Manipulation: You must not engage in wash trading, spoofing, layering, front-running, or any other form of market manipulation. Violations will result in immediate account termination and may be reported to law enforcement.
• No Unauthorized Algorithms: Automated trading via our official API is permitted. Unauthorized bots that circumvent rate limits or exploit platform vulnerabilities are prohibited.
• Order Accuracy: You are responsible for the accuracy of all orders you place. Erroneously placed orders are your responsibility.
• No Sanctioned Entities: You may not use our platform to transact on behalf of any sanctioned individual, entity, or jurisdiction.

8. Deposits & Withdrawals

INR deposits are credited to your account within minutes for UPI and IMPS, and within 2 business hours for NEFT/RTGS. Cryptocurrency deposits typically require network confirmations (e.g., 3 confirmations for Bitcoin).

INR withdrawals are processed within 30 minutes during banking hours (8 AM – 8 PM IST, Monday–Saturday, excluding public holidays). Cryptocurrency withdrawals are processed within 30 minutes for most assets. Large withdrawals may be subject to additional security verification.

Daily withdrawal limits apply based on your KYC tier. Delta AI reserves the right to delay or withhold withdrawals for security review, regulatory compliance, or suspicious activity investigation.

9. Account Security

You agree to enable 2-Factor Authentication (2FA) on your account. Withdrawals of both INR and cryptocurrency require 2FA confirmation. Delta AI will never ask for your password, OTP, or 2FA code via any communication channel. If anyone claiming to be Delta AI support asks for this information, it is a phishing attempt — report it immediately.

10. Intellectual Property

All content, features, technology, trademarks, logos, and design elements on the Delta AI platform are the exclusive intellectual property of Delta AI Exchange India Private Limited or its licensors. You are granted a limited, non-exclusive, non-transferable license to use our platform for personal, non-commercial purposes. Reproduction, distribution, or commercial exploitation of any platform content without explicit written permission is strictly prohibited.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE INDIAN LAW:

• Delta AI is not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
• Our total liability to you for any claim shall not exceed the total fees paid by you to Delta AI in the 3 months immediately preceding the event giving rise to the claim.
• Delta AI is not responsible for losses arising from: market volatility, force majeure events, third-party platform outages, user error, or network failures outside our control.
• The limitation of liability does not apply to losses caused by our gross negligence, willful misconduct, or fraud.

12. Risk Disclosure

Cryptocurrency trading carries a high level of risk and may not be suitable for all investors. Before trading, you should carefully consider your investment objectives, level of experience, and risk appetite. Be aware that:

• Cryptocurrency values can fluctuate significantly within short periods and may become worthless.
• Past performance of any asset or AI signal is not indicative of future results.
• Regulatory changes in India or globally may adversely affect the value or legality of certain digital assets.
• Technological risks, including smart contract bugs and blockchain forks, may result in loss of assets.
• Leveraged futures trading can result in losses exceeding your initial deposit.

You should only trade with funds you can afford to lose. Delta AI's AI signals are tools to assist, not guarantee, trading success.

13. Account Suspension & Termination

Delta AI reserves the right to suspend or terminate your account, with or without prior notice, for:

• Violation of these Terms or any applicable law;
• Providing false or misleading information during registration or KYC;
• Suspected market manipulation, fraud, or money laundering;
• Regulatory direction or court order;
• Extended account inactivity (24+ months without any activity).

Upon termination, you may request withdrawal of your remaining balance, subject to applicable law, regulatory holds, and any outstanding obligations. We will retain your data for the periods required by law.

14. Dispute Resolution & Arbitration

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or your use of our Services, you must first contact our customer support and attempt to resolve the dispute informally within 30 days.

If the dispute cannot be resolved informally, it shall be submitted to binding arbitration under the Arbitration and Conciliation Act, 1996 (India). The arbitration shall be conducted in Mumbai, Maharashtra, in the English language, before a sole arbitrator appointed by mutual agreement. The arbitrator's decision shall be final and binding.

Notwithstanding the above, either party may seek injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict of law provisions. Subject to the arbitration clause above, the courts of Mumbai, Maharashtra shall have exclusive jurisdiction over any disputes that are not subject to arbitration.

16. Changes to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will notify you with at least 30 days' notice via email, in-app notification, and a prominent website banner. Your continued use of our services after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree, you must close your account before the effective date.

17. Contact Information