Terms of Use & Privacy Policy

These Terms govern

the use of this Application, and,
any other related Agreement or legal relationship with the Owner

in a legally binding way. Capitalized words are defined in the relevant dedicated section of this document.

The User must read this document carefully.

Although the entire contractual relationship relating to these Products is entered into solely by the Owner and Users, Users acknowledge and agree that, where this Application has been provided to them via the Apple App Store, Apple may enforce these Terms as a third-party beneficiary.

Nothing in these Terms creates any relationship of employment, agency, or partnership between the involved parties.

This Application is provided by:

Ranjha, Inc.

8770 West Bryn Mawr Avenue

Suite 1300

Chicago, Illinois 60631

Owner contact email: legal@ranjha.io

“This Application” refers to

• this website, including its subdomains and any other website through which the Owner makes its Service available;

• applications for mobile, tablet and other smart device systems;

• the Service;

• any applications, sample and content files, source code, scripts, instruction sets or software included as part of the Service, as well as any related documentation.

What the User should know at a glance

Please note that some provisions in these Terms may only apply to certain categories of Users. In particular, certain provisions may only apply to Consumers or to those Users that do not qualify as Consumers. Such limitations are always explicitly mentioned within each affected clause. In the absence of any such mention, clauses apply to all Users.

TERMS OF USE

Unless otherwise specified, the terms of use detailed in this section apply generally when using this Application.

Single or additional conditions of use or access may apply in specific scenarios and in such cases are additionally indicated within this document.

Important Disclaimer: This Application (OptionsKit) is not a guarantee of profitability. All calculations are estimates intended for educational use only. All of the information provided is an estimate only and does not claim to be an accurate prediction of current, past, future, or theoretical values. Furthermore, this Application does not and will not claim that estimated profits/losses on strategies and/or estimated prices/option chain data will be accurate. By using this Application, you consent to this policy and disclaim all liability from Ranjha, Inc.

Ranjha, Inc. is not a licensed financial advisor or SEC-registered professional and does not render any financial advice or recommendations directly, indirectly, or through this Application. This Application does not encourage any particular trade or decision. Any trades made are your decision solely. Ranjha, Inc. disclaims all liability to any user of this Application or otherwise. Ranjha, Inc. is not liable for any inaccuracies arising from this Application. Use of this Application is solely your choice and at your sole risk. By using this Application, you consent to these terms.

Options Finder Tool:

The options finder tool within OptionsKit is intended solely as an educational scanner. It attempts to highlight which options might or might not be profitable based on user-entered parameters (expected underlying price moves, expiration timelines, and initial outlay). The results displayed are not trade suggestions and do not claim to be accurate analyses of any options chain. No profit potential is guaranteed, promised, insinuated, or implied. The options finder tool is subject to the same disclaimers and terms described above. No data provided by the options finder tool or any function of this Application is guaranteed accurate or should be taken as such under any circumstances.

Use of the AI Trade Importer Tool:

This Application may provide a feature known as the “AI Trade Importer,” enabling Users to import trades from an uploaded screenshot. By using the AI Trade Importer tool, the User acknowledges and agrees that the uploaded screenshot and any associated data will be sent to OpenAI for processing. The use of these data is governed by OpenAI’s terms and conditions and privacy policy. Users are encouraged to review OpenAI’s policies before using the AI Trade Importer tool. Ranjha, Inc. disclaims all liability related to the processing, handling, or misuse of data by OpenAI or any third party. By utilizing the AI Trade Importer tool, you agree to these terms and acknowledge that Ranjha, Inc. is not responsible for any outcomes related to this feature.

By using this Application, Users confirm to meet the following requirements:

• There are no restrictions for Users in terms of being Consumers or Business Users;

• Users aren’t located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist-supporting” country;

• Users aren’t listed on any U.S. Government list of prohibited or restricted parties.

Content on this Application

Unless otherwise specified or clearly recognizable, all content available on this Application is owned or provided by the Owner or its licensors. The Owner undertakes its utmost effort to ensure that content provided does not infringe applicable legal provisions or third-party rights. However, it may not always be possible to achieve such a result.

In such cases, without prejudice to Users’ legal rights, Users are kindly asked to report complaints using the contact details provided in this document.

The Owner holds and reserves all intellectual property rights for content. Users may not use such content in any way that is not necessary or implicit in the proper use of the Service. In particular, Users may not copy, download, share, modify, translate, transform, publish, transmit, sell, sublicense, edit, or create derivative works from the content, nor allow any third party to do so, without explicit permission.

Where explicitly stated, the User may download or share some content available on this Application for personal, non-commercial use, provided that copyright and other attributions are correctly implemented.

Access to External Resources

Through this Application, Users may have access to external resources provided by third parties. The Owner has no control over such resources and is not responsible for their content or availability. Conditions applicable to any third-party resources are as per those parties’ terms or applicable law.

Acceptable Use

This Application and the Service may only be used within the scope of what they are provided for, and under these Terms and applicable law. Users are solely responsible for ensuring their use of this Application and/or the Service does not violate any law, regulations, or third-party rights.

The Owner reserves the right to take appropriate measures to protect its legitimate interests, including denying access or reporting misconduct to authorities, in cases of violations, infringement, impairment of the Owner’s interests, or offensive conduct.

Contract Duration

Subscriptions

Subscriptions allow Users to receive a Product continuously or regularly over a determined period. Paid subscriptions begin when payment is received. To maintain subscriptions, Users must pay the required recurring fee promptly. Failure to do so may cause service interruptions.

Subscriptions handled via Apple ID

Users subscribing via their Apple App Store account acknowledge that:

• Payments are charged to their Apple ID account.

• Subscriptions automatically renew unless canceled at least 24 hours before the current period ends.

• Renewal fees are charged within 24 hours before the current period ends.

• Subscriptions can be managed or canceled in the User’s Apple App Store account settings.

Lifetime Purchases

Purchasing a “Lifetime” option grants access to the current version of the Application as long as it is available. “Lifetime” refers solely to the lifetime of the Application as determined by the Owner. The Owner reserves the right to modify or discontinue any aspect of the Application at any time without notice or liability. No guarantee of indefinite availability, functionality, or updates is made. No refunds or compensation are provided if the Application or services are discontinued. All services are provided “as is” without warranties.

Liability and Indemnification

EU Users – Indemnification & Limitation of Liability

Users agree to indemnify and hold the Owner and affiliates harmless from claims arising from their use of the Service, violation of these Terms, or infringement of third-party rights.

The Owner shall not be liable for damages except those caused by intent or gross negligence, or affecting life, health, or physical integrity, and then only to the extent of foreseeable damages.

Australian Users

Nothing excludes rights under the Competition and Consumer Act 2010 (Cth) or similar. Liability is limited, at the Owner’s discretion, to re-performance or payment of the cost of re-supply.

US Users – Disclaimer of Warranties & Limitation of Liability

This Application is provided “as is” and “as available.” No warranties are given. The Owner disclaims warranties of merchantability, fitness for a particular purpose, or non-infringement. No advice or information from the Owner creates any warranty not stated herein.

The Owner is not liable for indirect, punitive, special, consequential, or exemplary damages, including loss of profits or data. The maximum liability shall not exceed the amount paid by the User to the Owner in the preceding 12 months.

Some jurisdictions do not allow limitation of certain warranties or liabilities; those limitations may not apply to certain Users.

Indemnification (US Users)

Users agree to defend, indemnify and hold the Owner and affiliates harmless against claims arising from their use of the Service, violation of Terms, infringement of third-party rights, or their misconduct.

Common Provisions

No Waiver

The Owner’s failure to assert any right under these Terms does not waive that right.

Service Interruption

The Owner may interrupt the Service for maintenance or updates, and may suspend or terminate the Service. Users will be informed appropriately.

Service Reselling

Users may not reproduce, duplicate, copy, sell, or exploit any part of this Application or Service without the Owner’s written permission.

Privacy Policy

For details on the use of Personal Data, refer to the Privacy Policy below.

Intellectual Property Rights

All intellectual property rights related to this Application belong to the Owner or its licensors and are protected by applicable laws.

Changes to These Terms

The Owner reserves the right to amend these Terms at any time. Users will be notified of changes. Continued use signifies acceptance of revised Terms.

Assignment of Contract

The Owner may transfer rights or obligations under these Terms. Users may not assign their rights or obligations without the Owner’s permission.

Contacts

All communications related to this Application must be sent to the contact information provided.

Severability

If any provision is deemed invalid, others will remain effective. In the US, such invalid provisions will be reformed to be valid and enforceable.

Governing Law & Jurisdiction

These Terms are governed by the law of the Owner’s location. The courts at the Owner’s location have exclusive jurisdiction, except where EU Consumer protection standards apply.

Definitions and Legal References

This Application: The property enabling the Service.

Agreement: Legally binding relationship between Owner and User.

Business User: A User not qualifying as a Consumer.

European (Europe): Users in the EU or having registered offices there.

Owner (We): The provider of this Application, Ranjha, Inc.

Service: The service provided by this Application.

Terms: All provisions in this document and related agreements.

User (You): Anyone using this Application.

Consumer: A User accessing goods/services for personal use only.

Privacy Policy

OptionsKit is just that… a calculator. It doesn’t require much personal info. The info it does use is public, non-confidential, and not supplied by the user. This Application does not sell your strategy ideas or store them anywhere but locally on your device and iCloud for syncing (if applicable).

Owner and Data Controller:

Ranjha, Inc.

8770 West Bryn Mawr Avenue

Suite 1300

Chicago, Illinois 60631

Email: legal@ranjha.io

Types of Data Collected

This Application may collect: Usage Data, UUID, crash data, device information.

Data may be provided by the User or collected automatically. Certain Data is mandatory to provide services; where not mandatory, refusal may prevent use of parts of the Service.

Cookies and Tracking

Cookies or other tracking tools are used to provide the Service and for additional purposes described in this document or the Cookie Policy.

Users’ Responsibility for Third-Party Data

Users confirm having third-party consent before providing their Personal Data.

Mode and Place of Data Processing

Methods of Processing

The Owner takes appropriate security measures. Data processing involves IT tools and possibly third-party services acting as Data Processors.

Legal Basis of Processing

Data is processed if User consents, is needed for contract performance, compliance with legal obligations, public interest, or the Owner’s legitimate interests.

Place of Processing

Data is processed at the Owner’s offices or where involved parties operate.

Transfers outside the EU may occur, with security measures in place.

Retention Time

Data is kept as long as necessary for the purpose collected or as legally required.

The Purposes of Processing

Data is collected to provide the Service, comply with legal obligations, protect rights, and detect fraud or misuse.

Infrastructure Monitoring:

• Firebase Analytics (Google LLC)

• Crashlytics (Google LLC)

Platform Services and Hosting:

• Apple App Store (Apple Inc.)

No strategy data is shared for analytics except as needed for debugging crashes with User consent.

Users’ Rights

Users can:

• Withdraw consent

• Object to processing

• Access, correct, or delete Data

• Restrict processing

• Receive Data and transfer it elsewhere

• Lodge a complaint with a data protection authority

Details About Right to Object

Users may object to processing based on legitimate interests or direct marketing at any time.

How to Exercise Rights

Contact the Owner at the address provided. Requests are handled promptly.

Additional Information

Legal Action

User Data may be used for legal purposes if required by authorities.

System Logs and Maintenance

For operation and maintenance, this Application may collect logs and IP addresses.

Do Not Track Requests

This Application does not support “Do Not Track” requests.

Changes to This Privacy Policy

The Owner may update this Privacy Policy and will notify Users via this page or within this Application.

Definitions (Privacy Policy)

Personal Data (Data): Information identifying a natural person.

Usage Data: Information collected automatically.

User: The individual using this Application.

Data Subject: The person to whom Personal Data refers.

Data Processor (Supervisor): The person/entity processing Data on behalf of the Owner.

Data Controller (Owner): The person/entity determining purposes and means of Data processing.

This Application: The means by which Personal Data is collected and processed.

Service: The service provided by this Application.

EU: References all current EU and EEA member states.

This privacy statement complies with relevant data protection legislation, including GDPR where applicable.