CANDLE & CRUDE
Website: https://candleandcrude.com
Contact Email: support@candleandcrude.com
Last Updated: 20 October 2026
1. Introduction
Welcome to Candle & Crude.
These Terms and Conditions govern your access to and use of our website, digital publications, educational materials, financial news, market-related information and other services.
Candle & Crude is an online financial education, information and digital publishing platform operated by [MAYUR KUMAR SAGAR], trading as Candle and Crude.
CANDLE AND CRUDE, operating under the brand name CANDLE & CRUDE, is a sole proprietorship engaged in financial education, digital publishing and market-information services.
By accessing our website or purchasing our products, you agree to these Terms and Conditions, subject to applicable laws and statutory consumer rights.
If you disagree with these terms, please refrain from purchasing or using the relevant services.
2. Nature of Our Services
Candle & Crude provides services that may include:
- Financial education and educational articles.
- Downloadable PDFs, e-books and digital publications.
- Stock market and commodity market information.
- Financial and economic news updates.
- Technical analysis education and learning resources.
- Educational quizzes and assessments.
- Educational video content and other online learning materials.
Products and services may be introduced, modified or discontinued from time to time.
3. Financial Education and Regulatory Disclaimer
Unless expressly stated otherwise following applicable regulatory authorisation, the information and educational materials published by Candle & Crude are provided for general educational and informational purposes.
Our educational publications are not personalised investment advice, individual portfolio recommendations or guarantees of trading profits.
Financial markets involve significant risks, including possible loss of invested capital.
Users should evaluate financial information independently and seek advice from appropriately registered professionals where necessary.
Candle & Crude does not currently represent itself as a SEBI-registered Research Analyst or Investment Adviser.
Any future SEBI-regulated activity will be undertaken only after obtaining applicable registration and complying with the relevant regulatory requirements.
4. Digital Products and Purchases
Candle & Crude may offer paid educational PDFs, e-books and other downloadable content.
Before completing a purchase, customers should review:
- The product title and description.
- Applicable price, discounts and taxes.
- Contents and intended educational purpose.
- Available download limits and access conditions.
- Applicable refund and cancellation terms.
Prices are displayed in Indian Rupees (INR), unless expressly stated otherwise.
Product availability and prices may change. Such changes do not affect completed purchases except where permitted or required by law.
5. Payments
Payments are processed through authorised third-party payment service providers, including Razorpay.
Customers must provide accurate billing and contact information.
Payment processing is subject to the applicable terms and security procedures of the payment provider.
Candle & Crude does not ask customers to disclose their banking passwords, UPI PINs or card CVVs directly to our support team.
Orders are confirmed after successful payment verification.
6. Digital Delivery
Digital products are generally delivered electronically following successful payment confirmation.
Customers may receive:
- An order confirmation email.
- A secure download link.
- Access through the order confirmation page.
- Access through their customer account, where available.
Some products may have limited download attempts or specific access periods, as disclosed at purchase.
If a legitimate purchaser encounters delivery problems, they should contact support@candleandcrude.com.
7. Refunds and Cancellations
Refunds and cancellations are governed by our published Refund, Cancellation & Digital Delivery Policy.
Customers may request assistance in cases including duplicate payments, failed digital delivery, corrupted files and materially misdescribed products.
Change-of-mind refunds are generally not available for correctly described digital content that has been successfully made accessible, subject to applicable law.
Nothing in these terms restricts statutory consumer remedies.
8. Intellectual Property Rights
Unless otherwise identified, the original content, educational publications, branding, designs and other materials created by Candle & Crude are owned by the business or used with appropriate permission.
Purchased digital products are licensed for personal educational use unless another licence is expressly provided.
Without permission, users must not:
- Resell or commercially redistribute purchased PDFs.
- Upload paid publications to public websites or file-sharing platforms.
- Reproduce substantial portions of protected publications for commercial purposes.
- Misrepresent Candle & Crude content as their own.
Permitted uses under applicable copyright law remain unaffected.
Candle & Crude respects the intellectual property rights of third parties.
9. Financial News and Market Information
Candle & Crude may publish financial news, economic developments, stock market information, commodity updates and reports concerning institutions such as stock exchanges, central banks and other economic organisations.
Information may be obtained from publicly available sources or appropriately authorised data providers.
We aim to present information responsibly. However, financial data and news may be delayed, incomplete, revised or affected by third-party errors.
Market data displayed on our website should not be assumed to be real-time unless explicitly identified as such.
Users should verify time-sensitive information with relevant official sources before making financial decisions.
10. Educational Quizzes and Assessments
Candle & Crude may offer online quizzes, assessments and educational activities.
Where a quiz involves payment, prizes, competitions or additional eligibility conditions, separate rules will be published before participation.
Purchasing an educational publication does not automatically entitle a customer to a prize or competition entry unless this is expressly and lawfully provided under separate applicable terms.
We reserve the right to investigate cheating, automated submissions and other violations of published quiz rules, subject to fair procedures and applicable law.
11. User Responsibilities
Users agree to:
- Provide accurate information when purchasing products or contacting support.
- Use the website for lawful purposes.
- Respect intellectual property rights.
- Avoid unauthorised access or interference with website systems.
- Refrain from fraudulent transactions, impersonation or misuse of customer accounts.
We may take reasonable steps to address misuse, subject to applicable laws and customer rights.
12. External Links and Third-Party Platforms
Our website may link to third-party websites or services, including YouTube, Instagram, Telegram, financial exchanges and news publications.
These external services are governed by their own terms and privacy policies.
Candle & Crude is not responsible for the independent conduct or content of external platforms outside its control.
13. Privacy and Personal Information
We collect and process personal information in accordance with our published Privacy Policy and applicable law.
This may include customer names, mobile numbers, email addresses, order details and information needed to deliver digital purchases.
Please review our Privacy Policy:
14. Limitations and Website Availability
We make reasonable efforts to maintain the accuracy, security and availability of our website and digital services.
Temporary interruptions may occur because of maintenance, hosting problems, payment failures or other technical issues.
Nothing in these terms excludes liability or remedies that cannot lawfully be excluded under applicable Indian law.
Customers retain applicable rights concerning defective products, deficient services, misleading representations and other legally recognised claims.
15. Customer Support and Grievance Redressal
Customers can contact Candle & Crude concerning purchases, downloads, billing errors, website services or complaints.
Business Name: CANDLE AND CRUDE
Website: https://candleandcrude.com
Support Email: support@candleandcrude.com
Responsible Contact: MAYUR KUMAR SAGAR
Registered Business Address: [BIJNOR, UTTAR PRADESH, INDIA (246701)]
We aim to acknowledge customer complaints within 48 hours and resolve them within one month, subject to applicable legal requirements.
16. Changes to These Terms
Candle & Crude may revise these Terms and Conditions to reflect changes in its products, website, business practices or legal obligations.
Updates will be published on this page.
Material changes affecting existing purchases will be handled in accordance with applicable law and the terms governing those purchases.
17. Governing Law
These Terms and Conditions are governed by applicable laws of India.
Any dispute-resolution arrangements remain subject to mandatory consumer protection laws and the jurisdiction of competent courts and consumer commissions.
18. Contact Information
For questions concerning these Terms and Conditions, please contact:
CANDLE & CRUDE
Website: https://candleandcrude.com
Email: support@candleandcrude.com
CANDLE & CRUDE — WHERE MARKETS MEET INFORMATION.