Terms of Use

Last updated: November 2026

1. About these terms

RetailBonds.in is run from India by its founder, Arindam (“we”, “us”). By using the site you agree to these terms. If you create an account, you also agree to them when you sign up. If you do not agree, please do not use the site. Our Privacy Policy explains how we handle personal data, and our Disclaimer forms part of these terms.

2. What the service is

RetailBonds.in is an independent information, research and screening platform for Indian fixed income securities. We bring together publicly available data from RBI, BSE, NSE, NSDL, SEBI and registered credit rating agencies, and give you tools to search it, follow bonds and keep track of your own holdings.

We are not a SEBI-registered intermediary, investment adviser, research analyst, stock broker or Online Bond Platform Provider (OBPP). We do not sell securities, execute or route orders, hold money or securities for anyone, or receive commissions from issuers.

3. No advice

Nothing on this site is investment, tax or legal advice, a recommendation to buy, sell or hold any security, or an offer of any financial product. The screener, watchlist, alerts, portfolio tracker, cash-flow calendar and tax estimates show facts and calculations from the data we hold; they do not take your circumstances into account. You make your own decisions. For advice suited to you, consult a SEBI-registered investment adviser and, for tax, a chartered accountant.

4. Data accuracy

We make reasonable efforts to keep data accurate, but we cannot promise it is complete, current or free of errors. Bond data changes often, and sources disagree. Yields, cash flows and tax figures are our calculations and may differ from your broker’s or the issuer’s. Always check important details (coupon, payment dates, maturity, call options, rating, price) with the issuer, the exchange or your broker before acting on them.

5. Accounts

• Accounts are optional; most of the site works without one. You must be 18 or older to create one.
• One account is for one person. Sign-in is by a one-time code sent to your email, or by Google. Anyone who can read your email can sign in as you, so keep your email account secure, and sign out browsers you no longer use from your account page.
• You are responsible for what is done through your account. Tell us at once at [email protected] if you think someone else has used it.
• While accounts are being opened gradually, we may limit sign-ups to people we invite.

6. What you put in your account

Your watchlist, portfolios, notes and saved screens belong to you and are private to your account. You allow us to store and process them only to provide the service to you, as described in the Privacy Policy. Please do not put account numbers, PAN or other sensitive details in notes or portfolio names.

Advisers using client portfolios (Pro plan): you are responsible for having your clients’ consent and a lawful basis for any client data you enter, and for complying with the rules that apply to you as an adviser. Use labels or initials rather than clients’ full names. We process that data only on your instructions, to provide the service to you. Reports you produce from the site are for your use with your own clients; they must not present our data or calculations as your advice without your own review.

7. Acceptable use

You may not:

• scrape, crawl or download the site in bulk, or use automated tools in a way that degrades the service for others or ignores our robots.txt;
• get around rate limits, bot checks, plan limits or other access controls;
• try to access another person’s account or data, or probe, scan or test the site’s security without our written permission;
• resell, republish or redistribute our data in bulk, or use it to build a competing product, without our permission (datasets released under the data licence below are the exception);
• use our forms or alerts to send spam, or submit false, unlawful or abusive content through them;
• impersonate anyone, or misrepresent your connection with us.

If you find a security problem, please tell us at [email protected] and give us reasonable time to fix it before telling anyone else.

If we offer a data API, keys are personal to the account that created them, the usage limits shown with your key apply, and the rules above apply to API use too.

8. Plans

The site has a free plan and paid plans, described on our pricing page. We may change what each plan includes; if a change takes away something you pay for, we will tell you before it applies to you.

Paid plans are not open for purchase yet. When they open, payments will be handled by Polar (polar.sh) as merchant of record, and the terms for subscriptions (billing, renewal, cancellation and refunds) will be added here before anyone is charged.

If a paid plan ends, the account moves to the free plan. We do not delete your data because a plan ended, but free-plan limits then apply, so you may not be able to add more items until you are under them.

9. Emails and alerts

We send emails you need for your account (sign-in codes, security notices, confirmations) and the alerts you turn on. Alerts are a convenience: emails can be delayed, filtered or missed, and the data behind them can be late or wrong. Do not rely on an alert for a time-critical decision; check the source.

10. Ending your account

• You can delete your account at any time from your account page. Deletion is immediate and cannot be undone; download your data first if you want a copy. The Privacy Policy explains what is deleted and how long backups last.
• An account not used for 12 months gets a warning email and is deleted 30 days later unless it is used again. Accounts on an active paid plan are not deleted this way.
• We may suspend or close an account that breaks these terms, or to protect the service or other users. Where we reasonably can, we will tell you first and give you a chance to download your data.
• We may change or stop any feature, or the service as a whole. If we stop the service, we will give account holders reasonable notice to download their data.

11. Intellectual property

The design, code and editorial content of RetailBonds.in are our intellectual property. Underlying financial data comes from public regulatory and exchange sources; we do not claim ownership of raw data published by RBI, BSE, NSE, NSDL, SEBI or rating agencies. Credit ratings are the opinions of the agencies that issue them.

Data licence

Datasets we compute and publish for download are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0). Today that is the Indian sovereign yield curve (CSV). You may copy, share and adapt it, including commercially, as long as you credit RetailBonds.in.

Please credit us as “Source: RetailBonds.in” with a link to the page the data came from, for example <a href="https://retailbonds.in/yield-curve">RetailBonds.in</a>. Each dataset page has a ready-made citation to copy.

This licence covers only figures we compute, such as tenor-bucket median yields. It does not cover source data from exchanges, RBI, depositories or rating agencies, which belong to them and stay under their terms, and it does not cover the rest of the site: bond and issuer pages, rating-action pages, lists, articles and other content. Licensed data is provided as is, without warranty, and is not investment advice; see the Disclaimer.

12. Links to other sites

We link to issuers, exchanges, rating agencies and other sites. We are not responsible for their content. Any affiliate or sponsored link is labelled as such where it appears.

13. Liability

The site is provided “as is” and may sometimes be unavailable. To the maximum extent permitted by law, we accept no liability for any loss or damage arising from use of, or reliance on, the site, its data, its calculations or its alerts. Nothing in these terms limits any liability that cannot be limited under Indian law.

14. Governing law

These terms are governed by the laws of India.

15. Changes

We may update these terms. The date at the top shows the latest version. If a change materially affects account holders, we will email them and ask them to agree again; for everyone else, using the site after a change means accepting it.

16. Contact

Questions about these terms: [email protected]

See also: Full Disclaimer · Privacy Policy