Effective Date: August 26, 2026
These Terms of Use (“Terms”) govern your access to and use of bulliebear.com (the “Platform”), operated by Bharra Brothers, a sole proprietorship registered under the Udyam Registration scheme (“we,” “us,” “our”). Please also review our Privacy Policy, which explains how we collect, use, and protect your information, and which is incorporated by reference into these Terms.
By creating an account or otherwise using bulliebear.com (the “Platform”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, you may not use the Platform. You must be at least 18 years of age and legally capable of entering into a binding contract under the Indian Contract Act, 1872 to use the Platform. By using the Platform, you represent that you meet this requirement. These Terms constitute an electronic record under the Information Technology Act, 2000, and are valid without any physical or digital signature.
bulliebear.com is a financial planning and goal-calculation tool. The Platform allows you to input information about your income, assets, liabilities, expenses, and financial goals, and generates calculations, projections, and an assessment of your financial position based on that information and on assumptions (such as rates of return and inflation) applied within the Platform.
bulliebear.com is not a Registered Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013, and does not provide investment advice on specific securities, mutual funds, insurance products, or other financial instruments. The Platform’s calculations are for educational and self-planning purposes only, are based entirely on the information and assumptions you provide, and do not constitute a recommendation to buy, sell, or hold any financial product. Actual outcomes may differ materially from projected outcomes due to market performance, changes in your circumstances, or other factors outside the Platform’s control.
The creators of the Platform are not licensed financial advisers, investment advisers, tax advisers, or registered professionals under any regulatory authority in any jurisdiction, including but not limited to the US (SEC/FINRA), UK (FCA), EU (MiFID II), Canada (CSA), Australia (ASIC), India (SEBI), Japan (FSA), or Singapore (MAS). You should consult a qualified, licensed financial professional in your jurisdiction before making any financial or investment decision. Nothing on the Platform should be construed as an offer or solicitation to buy or sell any security or financial product.
To use the Platform, you must create an account by signing in through Google OAuth or another authentication method we may offer. You are responsible for ensuring that any information you provide during registration and thereafter is accurate, current, and complete, and for promptly updating it if it changes.
You are responsible for maintaining the confidentiality and security of your account and for all activity that occurs under it, including activity carried out by anyone you have permitted to access your account. Since account access is managed through your Google account credentials, you are also responsible for maintaining the security of that Google account. You agree to notify us promptly using the details in our Privacy Policy if you become aware of any unauthorized access to or use of your account.
You may maintain only one account per individual. We reserve the right to suspend or terminate an account, without prior notice, where we reasonably believe it is being used fraudulently, to impersonate another person, or in a manner that violates these Terms.
As set out in our Privacy Policy, where you provide information about a spouse or dependent through your account, you are responsible for confirming you have the authority to do so; the account itself remains solely yours, and your spouse or dependent does not have independent login access or rights under these Terms.
The Platform offers access under one-time-payment plans, currently:
| Plan | Price (one-time) | Access period | Features included |
| Starter | ₹999 | 3 days | Regular features |
| Growth | ₹1,299 | 4 days | Regular + Advanced features |
| Complete | ₹1,499 | 7 days | Regular + Advanced + Ultimate features |
Payment for a plan is a single, one-time charge and does not involve recurring billing, automatic renewal, or a subscription of any kind. Payments are processed by our third-party payment processor; we do not store your card details on our own servers.
Upon successful payment, access to the features included in your chosen plan is unlocked for the number of days specified above, counted from the date of purchase, whether or not you use the Platform during that period. At the end of this period, access to paid features will expire and you will need to purchase a new plan to continue using them.
Features included in each plan are as described on the Platform’s pricing page at the time of purchase. We may update plan features, add new plans, or modify existing ones for future purchases; changes will not remove access to features you have already unlocked under your existing plan.
All payments are final and non-refundable, regardless of whether you use the unlocked features during the access period, except where a refund is required under applicable Indian consumer protection law — for example, where payment is successfully charged but access is not granted due to a technical failure on our part.
As there is no recurring billing, there is no cancellation mechanism under this Clause; each plan simply runs for its access period and does not renew.
The Platform may, based on the information you provide, display suggestions for third-party financial products or services (including insurance, loans, or goal-specific offerings) that may be relevant to you (“Third-Party Offers”). Your information is shared with a specific third party only if you choose to engage with a Third-Party Offer, at which point you will be asked for separate, specific consent, as described in our Privacy Policy.
We are not a party to any transaction, agreement, or relationship you enter into with a third party as a result of a Third-Party Offer. Any such transaction is solely between you and that third party, and is governed by that third party’s own terms, pricing, and policies, which you should review independently before proceeding. We do not guarantee the suitability, accuracy, quality, or performance of any Third-Party Offer, and displaying an offer does not constitute a recommendation, endorsement, or advice — including investment advice — regarding that product or service, consistent with Clause 2.
We may receive compensation, including referral fees or commissions, from third parties when you engage with a Third-Party Offer through the Platform. This is disclosed here in the interest of transparency about how we generate revenue from this feature, in addition to plan fees under Clause 4.
To the fullest extent permitted by law, we are not liable for any loss, damage, or dispute arising from your engagement with any Third-Party Offer or third party, including any inaccuracy in that third party’s own representations.
When using the Platform, you agree not to:
Provide false, fraudulent, or knowingly inaccurate information (this mirrors the representation already required of you as a Data Principal under our Privacy Policy);
Impersonate any person, or misrepresent your affiliation with any person, including when entering information about a spouse or dependent;
Access or attempt to access another user’s account or data without authorization;
Copy, scrape, reverse-engineer, or otherwise extract the Platform’s underlying calculation methodology, goal-planning logic, or software, in whole or in part;
Use any automated means (bots, scrapers, crawlers) to access the Platform, other than standard web browsers used by an individual user;
Resell, sublicense, or provide access to your account to any third party as a commercial service;
Use the Platform in any way that violates applicable law, or that infringes the rights of any other person;
Interfere with or disrupt the integrity or performance of the Platform, including through introducing malware or attempting unauthorized access to our systems.
We reserve the right to suspend or terminate access for any account found to be in violation of this Clause, in accordance with Clause 10.
7.1 Ownership. The Platform, including its software, source code, user interface, design elements, and all underlying calculation methodologies, formulas, algorithms, logic, and processes used to generate financial projections, goal allocations, priority ordering, cash-flow calculations, and any other computed output (collectively, the “Platform IP”), is the exclusive property of bulliebear.com and its creators, and is protected under the Copyright Act, 1957, the Trade Marks Act, 1999, and other applicable intellectual property laws of India and other jurisdictions. Nothing in these Terms transfers any ownership interest in the Platform IP to you.
7.2 No License to Replicate. Your use of the Platform grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your own personal financial planning purposes, strictly in accordance with these Terms. This license does not, under any circumstances, permit you to reproduce, replicate, recreate, copy, distribute, publicly display, adapt, translate, or create derivative works based on the Platform, the Platform IP, or any part thereof, whether for personal, commercial, or any other purpose.
7.3 No Reverse Engineering. You shall not decompile, disassemble, reverse-engineer, or otherwise attempt to derive or reconstruct the source code, underlying calculation methodology, algorithms, or business logic of the Platform, whether through direct technical means, systematic observation and analysis of the Platform’s outputs across varied inputs, or any other method, except to the limited extent such restriction is expressly prohibited by applicable law notwithstanding this limitation.
7.4 No Competing Use. You shall not use any knowledge, insight, or understanding of the Platform’s methodology or logic gained through your use of the Platform to develop, assist in developing, or contribute to any product or service that competes with the Platform.
7.5 Trademarks. “bulliebear,” associated logos, and other brand elements are trademarks or trade dress of bulliebear.com. Nothing in these Terms grants you any right to use these marks without our prior written consent.
7.6 Your Data. For clarity, this Clause does not affect your ownership of the personal and financial information you input into the Platform, as governed separately by our Privacy Policy. This Clause protects the Platform itself, its methodology, and its outputs’ underlying logic — not the raw facts about your own finances that you provide to it.
7.7 Testimonials. Where you consent to your Feedback being displayed as a testimonial, as described in our Privacy Policy, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display your Feedback — including your star rating, comments, name, city, and profile picture — in connection with promoting the Platform, until you withdraw that consent.
8.1 Platform Provided “As Is.” The Platform and all calculations, projections, and outputs are provided on an “as is” and “as available” basis. We do not warrant that the Platform will be uninterrupted, error-free, or free of defects, or that any projection will prove accurate, as outcomes depend on market performance, your own inputs, and other factors outside our control.
8.2 No Financial Advice. As set out in Clause 2, the Platform does not provide financial, investment, tax, or legal advice. Any decision you make based on the Platform’s outputs is made independently by you, and we are not liable for the financial consequences of decisions based on self-reported inputs, assumptions, or projections generated by the Platform.
8.3 Limitation of Liability. To the maximum extent permitted by applicable law, our total liability to you for any claim arising out of or relating to these Terms or your use of the Platform, whether in contract, tort, or otherwise, shall not exceed the amount you paid for your current plan under Clause 4. We shall not be liable for any indirect, incidental, special, or consequential damages, including loss of profits or investment losses, arising from your use of the Platform.
8.4 Carve-Outs. Nothing in this Clause limits or excludes liability for fraud, willful misconduct, or gross negligence, or any liability that cannot be excluded or limited under applicable Indian law, including your rights under the Consumer Protection Act, 2019.
8.5 Third-Party Offers. Clause 5 separately governs our liability in relation to Third-Party Offers.
You agree to indemnify, defend, and hold harmless bulliebear.com, its creators, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:
Your breach of these Terms, including Clause 6 (Acceptable Use) or Clause 7 (Intellectual Property);
Your violation of any applicable law;
Information you provide about a spouse, dependent, or any individual you refer through the Platform’s referral program, without the authority or permission represented under our Privacy Policy;
Your engagement with any Third-Party Offer under Clause 5; or
Any content or information you submit to the Platform that infringes the rights of, or causes harm to, any third party.
This indemnification obligation survives termination of your account or these Terms.
10.1 Termination by You. Since access under Clause 4 is a fixed-duration, one-time-payment arrangement rather than a subscription, there is no ongoing relationship for you to “cancel” — your access simply expires at the end of your plan’s access period. You may, however, request deletion of your account and data at any time, as described in our Privacy Policy, which will end your access immediately if done before your access period would otherwise expire.
10.2 Termination by Us. We may suspend or terminate your account, with or without prior notice, if we reasonably believe you have violated Clause 6 (Acceptable Use), Clause 7 (Intellectual Property), or any other material provision of these Terms. Where reasonably possible, we will provide notice of the reason for termination.
10.3 Effect of Termination. Upon termination of your account for any reason, your right to access the Platform ends immediately. Termination does not entitle you to any refund of amounts already paid under Clause 4, including where termination occurs before your plan’s access period would otherwise have expired due to your own violation of these Terms. Our handling of your personal data following termination continues to be governed by our Privacy Policy, including its retention and deletion provisions.
10.4 Survival. Clauses 7 (Intellectual Property), 8 (Disclaimers & Limitation of Liability), 9 (Indemnification), and 11 (Dispute Resolution & Governing Law) survive termination of your account or these Terms for any reason.
11.1 Governing Law. These Terms, and any dispute arising out of or in connection with them, shall be governed by the laws of India.
11.2 Grievance Redressal First. Before initiating any formal dispute resolution, you agree to first raise your concern with our Grievance Officer, as set out in our Privacy Policy, and allow us a reasonable opportunity to resolve it.
11.3 Arbitration. Any dispute, controversy, or claim arising out of or relating to these Terms, including its formation, interpretation, breach, or termination, that is not resolved through the process in Clause 11.2, shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, and any statutory amendments thereto. The arbitration shall be conducted by a sole arbitrator appointed by us, the seat and venue of arbitration shall be Lucknow, Uttar Pradesh, and the language of arbitration shall be English. The arbitration award shall be final and binding on both parties.
11.4 Jurisdiction. Subject to Clause 11.3, the courts at Lucknow, Uttar Pradesh shall have exclusive jurisdiction over any matter not required to be arbitrated, or in aid of arbitration (such as interim relief).
12.1 Amendments. We may amend these Terms from time to time. We will indicate the date of the most recent update at the top of this document, and for material changes, we will provide notice through the Platform or via email before the changes take effect. Continued use of the Platform after such changes take effect constitutes your acceptance of the amended Terms.
12.2 Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and bulliebear.com regarding your use of the Platform, and supersede any prior agreements or understandings on the subject.
12.3 Severability. If any provision of these Terms is found to be invalid or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.
12.4 No Waiver. Our failure to enforce any provision of these Terms shall not be considered a waiver of our right to enforce that or any other provision in the future.
12.5 Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, or sale of assets.
12.6 Relationship of Parties. Nothing in these Terms creates any partnership, joint venture, agency, or employment relationship between you and bulliebear.com.
12.7 Force Majeure. We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including internet or hosting-provider outages, natural disasters, or governmental action.
12.8 Notices. We may provide notices to you via the email address associated with your account. Notices to us should be directed to our Grievance Officer as set out in our Privacy Policy.
We may modify, update, add, or remove features of the Platform at any time, including features included in a plan you have purchased, provided that any material reduction in the core features of a plan you have already purchased will not apply retroactively to reduce what you are entitled to during your current access period under Clause 4. This Clause is distinct from Clause 12.1, which governs amendments to these Terms themselves.
If you provide us with ideas, suggestions, or feedback about the Platform generally, you grant us a perpetual, irrevocable, royalty-free license to use such ideas, suggestions, or feedback for any purpose, including incorporating them into the Platform, without any obligation to compensate or credit you. This Clause is separate from Clause 7.7, which governs testimonials submitted through the review feature specifically.
These Terms are between you and us. They do not create any rights or benefits for any third party, including any spouse, dependent, or individual you refer through the Platform’s referral program, even though their information may be processed as described in our Privacy Policy.
Nothing in these Terms limits or excludes any right you have under applicable Indian law, including the Consumer Protection Act, 2019, that cannot be lawfully limited or excluded by agreement. Where any provision of these Terms conflicts with such a right, that provision applies only to the extent permitted by law.
Open item remaining before publication: confirmation that Clause 11.3’s sole-arbitrator structure is the approach you want to keep.