Shipping & Delivery Policy

1. Digital Service - No Physical Shipping

StockIQ is a 100% digital Software-as-a-Service (SaaS) platform for portfolio tracking and analytics. We do not ship any physical products or goods.

2. Service Delivery

2.1 Instant Access

When you sign up for StockIQ, you receive immediate access to:

• Web Application: Accessible instantly via https://mystockiq.in
• Mobile Apps: Available for download on iOS and Android app stores
• All Features: Full access to portfolio tracking, analytics, and reports
• Support: Email and chat support available immediately

2.2 Account Activation

Your account is activated automatically:

• Create account → Verify email → Start using (typically within 2-5 minutes)
• No waiting period or manual approval required
• Payment confirmation (if applicable) is instant via Razorpay

3. Digital Downloads & Exports

3.1 Data Exports

You can download and export your portfolio data at any time:

• CSV Exports: Portfolio holdings, transactions, and dividends
• PDF Reports: Tax reports, capital gains statements, and analytics
• Excel Files: Detailed portfolio breakdowns
• JSON Data: Complete data backup in JSON format

All exports are generated instantly and downloaded directly to your device. There are no delivery delays or shipping involved.

3.2 Report Generation

Tax reports and analytics are generated in real-time:

• Reports are available for instant download 24/7
• No processing or delivery time required
• Updated automatically as your portfolio changes

4. Service Availability

4.1 Global Access

StockIQ is available worldwide with internet access:

• Geographic Coverage: Available in all countries (subject to local laws)
• 24/7 Availability: Access your portfolio anytime, anywhere
• No Regional Restrictions: No shipping zones or delivery limitations
• Multi-Device Access: Use on web, mobile, and tablet simultaneously

4.2 Service Uptime

We maintain high service availability:

• 99.9% uptime SLA (Service Level Agreement)
• Scheduled maintenance windows announced in advance
• Redundant infrastructure for reliability

5. Email Deliverables

5.1 Automated Emails

We send digital communications via email:

• Welcome Email: Sent immediately upon signup
• Reports: Monthly portfolio summaries (if enabled)
• Notifications: Transaction alerts, dividend updates
• Receipts: Payment confirmations and invoices

5.2 Email Delivery

Emails are typically delivered within:

• Transactional Emails: Instant to 5 minutes
• Scheduled Reports: As per your configured schedule
• Support Responses: Within 24-48 hours

If you don't receive expected emails, please check your spam folder or contact support.

6. No Shipping Charges

As a digital service, StockIQ has:

• No Shipping Fees: All pricing is all-inclusive
• No Delivery Charges: No additional costs for service delivery
• No Geographic Surcharges: Same price regardless of your location
• No Customs or Import Duties: No international fees apply

7. Third-Party Integrations

7.1 Broker Integrations

We support data imports from various brokers:

• You upload broker statements directly to our platform
• No physical documents or mail delivery required
• Digital file uploads processed instantly
• Supported formats: CSV, Excel, PDF

7.2 Market Data Delivery

Real-time and historical market data is delivered digitally:

• Stock prices updated in real-time (15-minute delay for free tier)
• Corporate actions and dividend data synced automatically
• No manual intervention or delivery process required

8. Technical Requirements

8.1 For Web Access

To access StockIQ via web browser, you need:

• Internet connection (minimum 1 Mbps recommended)
• Modern web browser (Chrome, Firefox, Safari, Edge)
• JavaScript enabled
• Cookies enabled for login functionality

8.2 For Mobile Apps

Mobile apps are available for download:

• iOS: iOS 14.0 or later (Download from App Store)
• Android: Android 8.0 or later (Download from Google Play)
• Internet connection required for syncing

9. Data Backup & Storage

Your portfolio data is automatically backed up:

• Automatic Backups: Daily backups of all data
• Cloud Storage: Stored securely in cloud infrastructure
• No Physical Media: No CDs, DVDs, or hard drives shipped
• Instant Recovery: Data restoration available on request

10. Customer Support Delivery

Support is delivered through digital channels:

• Email Support: [email protected] (24-48 hour response)
• In-App Chat: Real-time chat support (during business hours)
• Help Center: Self-service knowledge base available 24/7
• Video Tutorials: On-demand training videos

11. Service Termination & Data Export

If you cancel your subscription:

• Export all your data before subscription ends
• Data exports available in multiple formats (CSV, Excel, PDF, JSON)
• No physical delivery or mailing of data
• Data retention for 30 days after cancellation (for recovery purposes)

12. Contact Information

For questions about service delivery or access: