Terms of Service

01 About these Terms

1.1 Who we are. The WTF Circle platform (“Platform”) is owned and operated by WTF GLOBAL PRIVATE LIMITED (“WTF Circle,” “we,” “us,” or “our”), a company incorporated under the Companies Act, 2013 and having its registered office in Mumbai, Maharashtra, India.

1.2 Electronic record. This document is an electronic record in terms of the Information Technology Act, 2000 and the rules made thereunder. It is generated by a computer system and does not require any physical or digital signature.

1.3 Acceptance. By creating an account, purchasing a Membership Subscription, or otherwise accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, you must not use the Platform.

1.4 Incorporated policies. The following documents are incorporated into these Terms by reference and form part of your agreement with us:

• (a) the Privacy Policy;
• (b) the Refund and Cancellation Policy;
• (c) any community guidelines, event-specific terms, or Collective Orderbook batch terms published on the Platform from time to time.

Where an event-specific or batch-specific term conflicts with these Terms in relation to that event or batch, the specific term prevails for that transaction only.

1.5 Nature of the Platform. WTF Circle is a private, invite-only membership community. It is not a marketplace, a matrimonial or dating service, an investment platform, a financial adviser, a broker, an employment agency, or a regulated intermediary for the sale of goods, except where expressly stated for a particular feature.

02 Definitions

“Availed a Service” means having taken any Qualifying Action, as defined in the Refund and Cancellation Policy.

“Bridge” means the dual-consent connection feature described in Section 8.

“Collective Orderbook” means the group-purchase facilitation feature described in Section 7.

“Commitment Fee” has the meaning given in clause 7.2.

“Digital Name Card” means the QR-based contact exchange mechanism described in clause 8.2.

“Digital Signature” means the unique, member-specific redemption reference generated for a Premium Perk.

“Exchange” means the member content feature described in Section 9.

“Member” or “you” means an individual who has been granted access to the Platform and holds an active Membership Subscription.

“Member Content” means any Thesis, Inline Analysis, comment, message, profile information, image, or other material you submit to or through the Platform.

“Membership Subscription” means the paid subscription to access the Platform, on the plans set out in clause 12.2.

“Qualifying Action” has the meaning given in the Refund and Cancellation Policy.

“Refund and Cancellation Policy” means the policy of that name published on the Platform, as amended from time to time.

“Subscription Term” means the one-month or twelve-month period for which a Membership Subscription is paid, beginning on activation and beginning afresh on each renewal.

“Vouch Code” means an invitation code issued by an existing Member entitling the recipient to apply for membership.

“WTF Bot” means the AI feature described in Section 10.

03 Eligibility and membership

3.1 Age and capacity. You must be at least 18 years of age and competent to contract under the Indian Contract Act, 1872. The Platform is not directed at, and may not be used by, minors.

3.2 Invite-only access. Membership is by invitation. To apply, you must either present a valid Vouch Code issued by an existing Member, or join the waitlist and be selected. Neither holding a Vouch Code nor being placed on the waitlist entitles you to membership.

3.3 Membership is a paid subscription. A Vouch Code entitles you to apply for membership. It does not confer any fee waiver, discount, or free access unless expressly stated at the time of issue. Access to the Platform begins only when a Membership Subscription is activated following successful payment under Section 12.

3.4 Discretion to admit or decline. We may accept or decline any application at our sole discretion, without giving reasons. We may also revoke a Vouch Code before it is redeemed.

3.5 One human, one account. You may hold only one account. Accounts are personal to you and may not be shared, transferred, sold, or assigned. You are responsible for all activity under your account and for keeping your credentials secure. You must notify us promptly at admin@allthingswtf.club of any unauthorised use.

3.6 Accuracy of information. You must provide accurate, current, and complete information during registration and keep it updated. Misrepresentation of your identity, role, seniority, employer, or professional credentials is a material breach of these Terms.

04 Identity and professional verification

4.1 Verification tiers. Access to certain features requires verification. We currently operate two tiers:

• (a) Tier 1 — Identity: verification of your mobile number by one-time password, and of your professional email address by domain-verified confirmation.
• (b) Tier 2 — Professional: verification through connection of your LinkedIn account, used to confirm role, seniority, and professional history.

4.2 Progressive unlocking. Completion of a verification tier may unlock additional communities, events, or features. We may add, remove, or vary verification methods and the features they unlock, at our discretion.

4.3 Third-party verification providers. Verification may be performed by third-party service providers. Their processing of your personal data is described in our Privacy Policy. We are not responsible for the accuracy of data returned by third-party sources, including LinkedIn.

4.4 Consequences of failed or withdrawn verification. If verification fails, is withdrawn by you, or is later found to have been obtained through false information, we may restrict, suspend, or terminate your access under Section 13. Withdrawal of consent for a verification method will result in loss of access to the features that depend on it.

05 Member conduct

5.1 You agree that you will not:

• (a) harass, threaten, defame, stalk, impersonate, or discriminate against any Member, guest, speaker, staff member, or partner;
• (b) use the Platform, its communities, or its events for cold solicitation, unsolicited sales pitches, recruitment spam, multi-level marketing, or fundraising outside the channels expressly provided;
• (c) use the Platform for romantic, sexual, or matrimonial solicitation;
• (d) share, publish, screenshot, record, or otherwise disclose outside the Platform any Member Content, guest list, Core Group discussion, event recording, or member contact detail obtained through the Platform, without the express consent of the person concerned;
• (e) scrape, crawl, index, harvest, or otherwise extract data from the Platform by automated means, or attempt to build a competing product or database from it;
• (f) reverse engineer, decompile, or interfere with the operation, security, or integrity of the Platform;
• (g) post or transmit any content that is unlawful, obscene, infringing, misleading, or that you do not have the right to share, including confidential information belonging to your employer or a third party;
• (h) misuse a Digital Signature, Vouch Code, or any access credential, including by transferring it for value;
• (i) use the Platform in breach of any applicable law, including securities, competition, anti-bribery, and data protection law.

5.2 Confidentiality expectation. Much of what is shared on the Platform is shared in confidence. You agree to treat Member Content, guest lists, and Core Group discussions as confidential. We provide technical safeguards but are not a party to, and do not guarantee, confidentiality obligations between Members.

5.3 Consequences. Violation of this Section may result in warning, removal from specific communities or events, suspension, or permanent termination without refund under clause 12.12, and, where applicable, referral to law enforcement.

06 Events, Core Groups, and Retreats

6.1 Core Groups. Placement in a Core Group is algorithmic and subject to a three-strike attendance policy: two consecutive unexcused absences from monthly sessions may result in removal from the group. Anything shared within a Core Group’s private space is intended to remain confidential among group members. WTF Circle is not a party to and does not guarantee confidentiality obligations between Members, though it provides technical safeguards for the space.

6.2 Speaker Series, Roundtables, and Off-Grid Retreats. These are curated, invite- or application-only experiences. We may use a dual-consent guest-list mechanism before certain small-group events, such as Private Dinners. Appearing on a pre-event guest list does not guarantee that your attendance is confirmed; mutual interest signalling is required as described in the app.

6.3 No guarantee of access. A Membership Subscription grants access to the Platform. It does not guarantee selection for, or admission to, any specific Core Group, Community, Event, Retreat, or Roundtable. Placement and admission remain at our discretion.

6.4 Separately ticketed events. Some events are included in your Membership Subscription and some are separately ticketed at additional cost. Where an event carries a separate fee, that fee, and the cancellation window and no-show consequences applicable to it, will be disclosed at the time of registration and form part of these Terms for that event. Separately ticketed event fees are not covered by the Refund and Cancellation Policy.

6.5 Third-party venues and speakers. Retreats, dinners, and masterclasses may take place at third-party venues or feature third-party speakers. We are not responsible for the acts, omissions, services, or safety practices of independent venues, vendors, or speakers, except to the extent required by applicable law.

6.6 Recording. We may record or photograph events. By attending, you consent to such recording and to its use for internal archival and member-facing purposes, including ingestion into WTF Bot. You may object to a specific use by writing to admin@allthingswtf.club.

07 Collective Orderbook (group buying)

7.1 Role of WTF Circle. The Collective Orderbook is a facilitation feature through which Members signal interest in batch-purchasing goods or services from third-party vendors. We negotiate indicative pricing with vendors on behalf of interested Members once a pledge threshold is reached, but we are not the seller, manufacturer, or service provider of any listed good or service unless expressly stated otherwise.

7.2 Commitment Fee. To convert a pledge into a binding order once a Strike Price is finalised, you may be required to pay a Commitment Fee, currently up to 5% of the indicative deal value, within the stated Hard Timer window. The Commitment Fee is forfeited if you fail to complete the underlying purchase with the vendor for reasons within your control, and is credited toward the purchase price if you proceed. Fee terms for a specific batch will be displayed at the time of pledging and form part of these Terms for that transaction.

7.3 Commitment Fees are separate from the subscription. The Commitment Fee is separate from, and additional to, your Membership Subscription fee. It is governed by the forfeiture rule in clause 7.2 and is expressly not refundable under the Refund and Cancellation Policy.

7.4 Vendor contracts are separate. The contract of sale for any Orderbook item, for example a vehicle, property, or service package, is between you and the third-party vendor. We are not a party to that contract and do not warrant the quality, safety, legality, delivery timeline, or fitness for purpose of any vendor’s goods or services. Your statutory rights as a consumer under the Consumer Protection Act, 2019 and applicable sector regulation run against the vendor.

7.5 High-value and regulated items. Certain Orderbook categories, for example real estate, financial or wealth products, or professional services such as legal retainers, may be subject to additional regulatory requirements or vendor-specific eligibility checks. We may decline to list, or may withdraw, any item that we determine carries unacceptable legal or reputational risk.

08 Community discovery, the Bridge, and Digital Name Cards

8.1 Dual consent only. We do not permit cold outreach through the Platform. Connections through the Bridge require mutual, affirmative interest signalling from both Members before any contact details are exchanged.

8.2 Digital Name Cards. Digital Name Cards allow verified contact details to be exchanged by QR scan. By presenting or scanning a Digital Name Card, you consent to the exchange of the contact fields displayed to you at the point of scan. You must not scan, store, or redistribute another Member’s card without their knowledge.

8.3 Permitted categories. The Bridge supports professional and personal-development intents only, including co-founder search, capital introductions, board roles, mentorship, hiring, fitness partners, and travel companions. Use of the Bridge for romantic, sexual, or matrimonial purposes is prohibited under clause 5.1(c).

8.4 Rate limits and anti-spam. We may impose limits on the number of connection requests you may send in a given period, and may restrict Bridge access where we detect abuse.

8.5 No verification of outcomes. We do not vet the commercial merit, solvency, or good faith of any Member you connect with. Any transaction, investment, employment, or engagement you enter into with another Member is at your own risk and is a matter solely between you and that Member.

09 The Exchange and Member Content

9.1 Your content remains yours. You retain ownership of your Member Content.

9.2 Licence to us. You grant us a worldwide, non-exclusive, royalty-free, sublicensable licence to host, store, reproduce, adapt, display, and distribute your Member Content for the purposes of operating, promoting, and improving the Platform, including displaying it to other Members and ingesting it into WTF Bot. This licence survives termination in respect of content that has already been shared with other Members or incorporated into the Platform’s archive. It is limited to those purposes and does not permit us to sell your Member Content as a standalone product.

9.3 Your warranties. You warrant that you own or have the necessary rights to your Member Content, that it does not infringe any third-party right, and that it does not disclose confidential information you are not permitted to share.

9.4 Moderation. We may remove, edit, or restrict any Member Content, or restrict any Member’s ability to post, at our discretion, including where content is unlawful, misleading, promotional, or inconsistent with the tone and purpose of the Exchange. We are not obliged to monitor Member Content and do not endorse it.

9.5 Not advice. Member Content, including any Thesis or Inline Analysis, is the opinion of the Member who posted it. It is not investment, legal, tax, medical, or professional advice from us, and must not be relied upon as such.

10 WTF Bot

10.1 What it is. WTF Bot is an artificial intelligence feature that may present responses in a synthetic voice or persona modelled on Nikhil Kamath, trained on publicly available podcast content and Platform material.

10.2 Not a real person, not personal advice. WTF Bot outputs are generated by an AI system. They are not statements, opinions, endorsements, or advice from Nikhil Kamath personally, from any speaker, or from WTF Circle. Outputs may be inaccurate, incomplete, or outdated. They are provided for general informational purposes only and are not investment, legal, tax, medical, or professional advice. You must not rely on WTF Bot outputs for any decision without independent verification.

10.3 Your inputs. Information you share with WTF Bot may be processed to generate responses and to improve the feature, as described in our Privacy Policy. Do not share confidential, sensitive, or third-party information with WTF Bot.

10.4 Availability. WTF Bot is provided on a best-efforts basis. We may modify, limit, or withdraw it at any time.

11 Premium Perks and partner offers

11.1 What perks are. Premium Perks are commercial arrangements negotiated with third-party partner brands and made available to Members, typically redeemed by generating a Digital Signature rather than a shared coupon code.

11.2 We are not the supplier. Except where expressly stated, we are not the seller or provider of any perk. The contract for any good or service obtained through a perk is between you and the partner brand, on that partner’s terms. We do not warrant the quality, availability, pricing, delivery, or after-sales support of any partner offering.

11.3 No guarantee of continued availability. Perks, partners, and their terms may change or be withdrawn at any time without notice. The withdrawal, suspension, or change of any specific perk or partner does not entitle you to any refund, credit, or reduction of your Membership Subscription fee.

11.4 Misuse. Digital Signatures are personal to you and non-transferable. Sharing, selling, or attempting to redeem a Digital Signature on behalf of a non-Member is a material breach of these Terms.

11.5 Amounts payable to partners. Any amount you pay directly to a partner brand is a separate transaction, is not collected by us, and is not refundable under the Refund and Cancellation Policy. Refunds for such amounts are governed by the partner’s own policy.

12 Membership fees, subscriptions and payments

12.1 Membership is a paid subscription. Access to the Platform is provided on a paid subscription basis. Being issued a Vouch Code, joining the waitlist, or completing verification does not by itself grant access. Access begins when a Membership Subscription is activated following successful payment.

12.2 Plans and pricing.

• Monthly Membership — INR 999 — Subscription Term of 1 month from activation.
• Annual Membership — INR 9,999 — Subscription Term of 12 months from activation.

All fees are stated in Indian Rupees and are inclusive of applicable Goods and Services Tax and other statutory levies. The total amount payable is displayed to you at checkout before you authorise the transaction.

12.3 Payment processing. Payments are collected through Razorpay Software Private Limited (“Razorpay”), our payment aggregator. By making a payment you agree to Razorpay’s applicable terms and privacy policy in addition to these Terms. We do not collect or store your full card number, CVV, bank credentials, or UPI PIN. Payment instrument data is handled by Razorpay in accordance with applicable Reserve Bank of India directions and card network rules. We receive only a tokenised reference, the last four digits of the instrument, and transaction metadata. Your payment is subject to authorisation by your bank or card issuer. We are not responsible for a declined transaction, a failed authorisation, or any charge levied on you by your own bank.

12.4 Automatic renewal. Unless cancelled under clause 12.6, your Membership Subscription renews automatically at the end of each Subscription Term for a further Term of the same length, at the then-current price for your plan. To enable this, you authorise a recurring e-mandate on your chosen payment instrument at the time of purchase. This is governed by the Reserve Bank of India’s Digital Payments – E-mandate Framework, 2026. Your card issuer or bank will send you a pre-debit notification at least 24 hours before each renewal charge, including an option to opt out of that specific debit. We will additionally send you an email reminder in advance of each renewal. You may withdraw or modify the e-mandate at any time through your bank or card issuer, or by cancelling from your account settings.

12.5 Price changes. We may revise subscription pricing. A revised price will apply to you only from your next renewal, following at least 30 days’ prior notice by email or in-app. A price change never applies retrospectively to a Subscription Term you have already paid for. If you do not accept a revised price, you may cancel before the renewal date under clause 12.6.

12.6 Cancellation. You may cancel your Membership Subscription at any time from your account settings, or by emailing admin@allthingswtf.club. Cancellation stops all future billing from the next renewal date. Unless a refund is payable under clause 12.7, your membership and all associated access continue until the end of the Subscription Term you have already paid for, and then lapse. Cancellation is not by itself a request for a refund.

12.7 Refunds. Refunds are governed by the Refund and Cancellation Policy. In summary:

• (a) If you have not availed any Service during the current Subscription Term, you are entitled to a refund of 100% of the fee paid for that Term, which we will initiate within 7 (seven) working days of approving your request.
• (b) If you have availed any Service during the current Subscription Term, no refund is payable for that Term, in whole or in part.
• (c) The test is applied separately to each Subscription Term and resets on each renewal.

“Availed a Service” means taking any Qualifying Action as defined in the Refund and Cancellation Policy, including redeeming a Premium Perk, registering for or attending an Event, being placed in a Core Group, joining a WTF WhatsApp Community, placing a Commit on a Collective Orderbook listing, initiating or accepting a Bridge connection or Digital Name Card exchange, interacting with WTF Bot, posting on the Exchange, or submitting a Digital Concierge request. Registration, verification, profile completion, and passive browsing do not constitute availing a Service. All refunds are credited to the original payment instrument used for the transaction. We cannot redirect a refund to a different instrument.

12.8 Charges not covered by the subscription fee. The Membership Subscription fee covers access to the Platform only. The following are separate transactions, are payable in addition, and are not refundable under clause 12.7:

• (a) Collective Orderbook Commitment Fees, governed by clauses 7.2 and 7.3;
• (b) separately ticketed Event, Retreat, Dinner, or Roundtable fees, governed by clause 6.4;
• (c) amounts payable directly to partner brands under clause 11.5.

12.9 Failed payments. If a renewal payment fails, we may retry the charge and will notify you. If payment is not received within 7 days of the renewal date, we may suspend your access until the outstanding amount is paid. Suspension for non-payment does not entitle you to a refund of any earlier Term.

12.10 Duplicate payments. Duplicate charges for the same Subscription Term will be refunded in full, irrespective of clause 12.7.

12.11 Taxes and invoicing. A GST-compliant invoice will be issued to your registered email address on each successful payment. Where you require an invoice in the name of a business entity with a GSTIN, you must provide the correct legal name, address, and GSTIN before completing payment. We are not obliged to reissue or amend an invoice after the fact where those details were not supplied at checkout.

12.12 No refund on termination for breach. If we suspend or terminate your membership for breach of these Terms, the community conduct rules in Section 5, or the attendance policy in clause 6.1, no refund of any kind is payable. If we suspend or terminate your membership for any other reason, or permanently discontinue the Platform, we will refund the fee for the unexpired portion of your current Subscription Term on a pro-rata basis.

12.13 Chargebacks. If you believe a charge is incorrect, contact us first at admin@allthingswtf.club. Where you initiate a chargeback for a charge that is validly payable under these Terms, we reserve the right to contest it with supporting evidence of your account activity, and to suspend your membership pending resolution of the dispute.

13 Suspension and termination

13.1 By you. You may cancel your Membership Subscription under clause 12.6 and close your account at any time through the app or by contacting us at admin@allthingswtf.club. Closure entitles you to a refund only where one is payable under clause 12.7.

13.2 By us. We may suspend or terminate your access, immediately and without notice, if you breach these Terms, if we reasonably suspect fraud, misrepresentation, or risk to other Members, if you fail to pay amounts due, or if required by law or a competent authority.

13.3 Effect of termination. On termination, your right to access communities, events, the Collective Orderbook, the Exchange, Premium Perks, and WTF Bot ends. Refund consequences are governed by clause 12.12.

13.4 Survival. Clauses 5.2, 7.4, 9.2, 11.2, 12.12, 12.13, and Sections 14 to 18 survive termination.

14 Intellectual property

14.1 Our rights. The Platform, including its software, design, structure, brand names, logos, and all content we create, is owned by us or our licensors and protected by Indian and international intellectual property law. Nothing in these Terms transfers any of those rights to you.

14.2 Your licence. Subject to your compliance with these Terms and payment of applicable fees, we grant you a personal, non-exclusive, non-transferable, revocable licence to access and use the Platform for your own non-commercial use as a Member.

14.3 Feedback. If you send us suggestions or feedback about the Platform, we may use them without restriction or obligation to you.

15 Disclaimers

THE PLATFORM, INCLUDING ALL COMMUNITIES, EVENTS, THE COLLECTIVE ORDERBOOK, PREMIUM PERKS, THE BRIDGE, THE EXCHANGE, AND WTF BOT, IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WTF CIRCLE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT ACCESS WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT MEMBERSHIP WILL RESULT IN ANY BUSINESS, FINANCIAL, OR PROFESSIONAL OUTCOME.

16 Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WTF CIRCLE’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO WTF CIRCLE IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) INR 10,000. WTF CIRCLE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS ARISING FROM THIRD-PARTY VENDORS, PARTNER BRANDS, PAYMENT PROCESSORS, OR OTHER MEMBERS’ CONDUCT. NOTHING IN THIS SECTION EXCLUDES LIABILITY THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW.

17 Indemnification

You agree to indemnify and hold harmless WTF Circle, its officers, employees, and partner brands from any claim arising from your breach of these Terms, your Member Content, or your use of the Collective Orderbook, the Bridge, or Digital Name Cards.

18 Governing law and disputes

18.1 These Terms are governed by the laws of India.

18.2 Any dispute arising out of or relating to these Terms shall first be referred to good-faith negotiation, and if unresolved within 30 days, shall be resolved by arbitration under the Arbitration and Conciliation Act, 1996, seated in Mumbai, before a sole arbitrator, with proceedings in English. Subject to arbitration, the courts at Mumbai shall have exclusive jurisdiction.

18.3 Nothing in this Section limits your rights to approach a consumer forum under the Consumer Protection Act, 2019 where those rights cannot be excluded by agreement.

19 Changes to these Terms

We may update these Terms from time to time. Material changes will be notified to you in-app or by email at least 30 days before they take effect. Continued use of the Platform after the effective date of the updated Terms constitutes acceptance. The version of these Terms in force on the date you make a payment governs that payment.

20 Grievance redressal and contact

For questions about these Terms, or to raise a grievance regarding payments, refunds, content, or conduct, contact:

Grievance Officer
WTF GLOBAL PRIVATE LIMITED
Mumbai, Maharashtra, India
Email: admin@allthingswtf.club

In accordance with the Consumer Protection (E-Commerce) Rules, 2020 and applicable information technology regulations, we will acknowledge your complaint within 48 hours and endeavour to resolve it within one month of receipt.