Terms and Conditions

Welcome to RetireOS, a software product developed and operated by Hyperparameter Technologies LLP ("Company", "we", "us", or "our").

By purchasing, accessing, or using RetireOS (the "Software"), you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access or use the Software.

1. License Grant & Account Access

Upon purchasing RetireOS Pro, Hyperparameter Technologies LLP grants you a personal, non-exclusive, non-transferable, revocable license to access and use the premium features of the Software for your personal, non-commercial financial planning purposes strictly in accordance with these Terms.

2. Digital Service Delivery & 7-Day Refund Policy

RetireOS Pro is a digital software service. Upon successful payment verification via Razorpay, your authenticated account is immediately and automatically provisioned with Pro cloud sync capabilities.

We provide a 7-Day Money-Back Guarantee. If you are not satisfied with RetireOS Pro, you may request a 100% full refund within 7 calendar days of your transaction by emailing sales@hyperparameter.cloud. Detailed instructions and timelines are set forth in our Refund Policy.

3. Regulatory & SEBI Disclaimer

Hyperparameter Technologies LLP is not a SEBI Registered Investment Advisor (RIA), Research Analyst, or Portfolio Manager.

RetireOS is solely a self-directed mathematical calculation and visualization simulation tool. All simulations, charts, cash flow projections, and calculations are generated algorithmically based on parameters, returns, and inputs entered by the user. Nothing in the Software constitutes investment advice, tax advice, legal counsel, or a recommendation to buy, hold, or sell any financial security or asset class. Users should consult a certified financial planner or tax professional before making real-world financial commitments.

4. Statutory Tax & Government Rule Disclaimer

Financial calculations that simulate Indian taxation (such as New Tax Regime slabs, Section 87A rebates, Section 80CCD deductions, EPFO wage ceilings, and capital gains tax brackets) reflect statutory provisions in force under the Income Tax Act, 1961 and EPFO guidelines as of the date of calculation. Tax laws, statutory rates, and sovereign interest rates are subject to periodic legislative changes by the Government of India, which may alter future financial outcomes.

5. User Data & Client-Side Encryption

The Software runs client-side algorithms in your browser and utilizes client-side AES-GCM 256-bit encryption for cloud backup. Financial projections and portfolio parameters are encrypted on your device before transmission, ensuring Hyperparameter Technologies LLP does not store plaintext portfolios in queryable databases and does not monetize your financial records. For complete details, please review our Privacy Policy.

6. Intellectual Property

The Software, including all algorithms, user interface designs, trademarks, brand assets, and underlying code, is the exclusive property of Hyperparameter Technologies LLP and is protected by applicable copyright and intellectual property laws. You may not reverse engineer, decompile, redistribute, resell, or create derivative works from the Software.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Hyperparameter Technologies LLP, its partners, and employees shall not be liable for any direct, indirect, incidental, special, or consequential damages, including without limitation financial losses, investment downturns, data inaccuracies, or lost opportunities arising out of or in connection with the use of or inability to use the Software.

8. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes or claims arising out of these Terms shall be subject to the exclusive jurisdiction of the competent courts in India.

9. Contact Us

For any inquiries regarding these Terms and Conditions, please contact us at:

Email: sales@hyperparameter.cloud
Phone: +91 73000 03022
Entity: Hyperparameter Technologies LLP