Terms and Conditions



Elliott Wave Education (we, us and our), has developed and makes available the Training Courses to students.

These Terms, as may be amended by us from time to time, apply to our supply of the Services and to each student’s enrolment in a Training Course. As a pre-requisite to every student’s enrolment, they are required to first review and agree to these Terms. If you are under 18, these Terms must be agreed to by your parent or legal guardian before you commence your Course or receive any of the Services.


Unless otherwise defined, the following definitions apply in these Terms:
Training Course means the on-line or off-line course taught by Ramakrishnan Narayanan (aka Ramki Ramakrishnan).
Course means the Training Course you are enrolled in with us, as specified in your enrolment correspondence with us.
Course Fee means the fee payable for your enrolment in a Course, as specified on the Website or otherwise communicated to you.
Consequential Loss includes, but is not limited to, indirect losses such as loss of goodwill or reputation, loss of profits, loss of actual or anticipated savings, loss of bargain and loss of opportunity.
Course Material means any material provided to you by us in connection with your course, including any material made available on the e-learning platform.
Credit Provider means any third-party service provider of financial credit to Students, used by the Company.
e-Learning Platform means the online learning platform made available to you by us in connection with your enrolment in a Course.
Fee means any fee payable by you to us (or to a Credit Provider, as the case may be), including the Course Fee and any other fees specified by us at the time of your enrolment or published on our Website, or which are otherwise incurred by you in accordance with these Terms.
Intellectual Property includes all rights in present and future copyright, designs, trademarks, confidential information, inventions, patents, know-how, trade secrets, business names and domain names.
Loss means any loss, liability, cost, expense, damage, charge, penalty, outgoing or payment however arising, whether present, unascertained, immediate, future or contingent and includes direct loss and Consequential Loss.
Periodic Payments means payments made by you to us or to a Credit Provider (as the case may be) according to an agreed payment schedule.
Policies means any of our policies, procedures, handbooks or manuals which are published on the Website or otherwise made available to you, including via the e-Learning Platform, as may be introduced or updated by us from time to time,
Privacy Policy means our privacy policy published on the Website or otherwise made available to you, as may be updated by us from time to time.
Services means the services provided to you by us in connection with your enrolment in a Course, including access to the e-Learning Platform and the Course Materials and the delivery of the Course.
Website means our website located at https://wavetimes.com/, and https://elliottwaves.com including any subdomains of these address.
You or your means the person who is enrolled in the Course and who we will provide the Services to, as named on the enrolment form and in our correspondence with you.

2. Term and Termination

2.1 Your enrolment in a Course begins when you submit your enrolment request and it is confirmed by us in the form of a confirmation email providing you with login credentials to the e-Learning Platform. The confirmation will be sent to your nominated email address provided in your enrolment request. If you are under the age of 18, you must also provide us with the email address of your parent or guardian in order for them to accept these Terms, and your enrolment in your Course will not commence until they have accepted these Terms.
2.2 Your enrolment will continue (subject to earlier termination in accordance with these Terms) until completion of the Course.
2.3 You may cancel your enrolment in your Course at any time by providing us with notice in writing to Ramki @ wavetimes [dot] com.
2.4 We may terminate or suspend your enrolment in your Course at any time by providing you with notice in writing if you breach these Terms or any of our Policies and do not remedy the breach within 14 days, or immediately if the breach is not capable of being remedied.

3. Course Delivery & 100% Satisfaction Guarantee

3.1 The Course and the Services are delivered to you in one or a combination of the following components:
a) interactive online sessions with practical assessments;
b) course lectures – delivered live virtually, or available as a pre-recorded lecture; and
b) static online learning with written assessments.
3.2 Once you have been provided login credentials to access the e-Learning Platform, you will have access to, and full personal use of, all of the valuable online Course Materials corresponding to your Course.
3.3 As the Course is delivered wholly online, you must ensure that you have a reliable internet connection and sufficient technological and other equipment.
3.4 We may vary the method of delivery of the Course or the Services (in whole or in part), by providing you with notice in writing.
3.5 The Course and the Services are delivered, and you agree to comply with, our Policies which may be in force from time to time and made available to you.
3.6 We will use all reasonable endeavors to deliver your Course to a high standard, however, if you are not 100% satisfied with your experience on the Course, you may be entitled to a full refund of your Course Fees, subject to the following conditions:
a) you must have successfully completed your Course, including all practical & written assessments, e-learning, self-practice, observation and practice teaching requirements for your Course. Successful completion means that you have been identified as competent and eligible to graduate. Details of these components are published here.
b) if you elect to receive a full refund under this clause 3.6, you will not be issued with any qualification that may have been obtained through completion of the Course;
c) you must submit your request for a refund under this clause 3.6 to us in writing to Ramki @ Wavetimes [dot] com within 5 business days of completing your Course. Subject to your rights at law, if you do not notify us within 5 business days of completing your Course, or if you otherwise notify us in writing that you are electing to graduate and receive your qualification, you will not be entitled to a refund under this clause 3.6; and
d) we may determine that certain student are ineligible to claim a refund under this clause 3.6. As at the date of publishing,(21 April 2022) students already enrolled with us are ineligible for a refund.

4. Fees

4.1 We will provide you with enrolment in the Course and the Services for the Fees and on the payment terms agreed with us, and where relevant, a Credit Provider. Unless otherwise marked, all Fees are stated inclusive of GST and quoted in US dollars or Indian Rupees.
4.2 Subject to our 100% satisfaction guarantee provided under clause 3.6, our cancellation policy and without limiting your rights at law, we do not offer refunds for payments that have already been made and you remain liable for the total amount of the Course Fees and any other Fees due in accordance with these Terms. You will not be eligible for a refund for the value of online Course Materials made available to you, irrespective of whether you have accessed or used these materials.

5. Warranties, Guarantees & Liability

5.1 Except as expressly provided in these Terms, all conditions, guarantees and warranties, whether express or implied, in respect of the Services or the Course are excluded to the fullest extent permitted by law. Our liability in respect of any Loss arising in connection with a failure in our provision of the Services or a breach of these Terms excludes Consequential Loss and is limited, at our option, to either a re-supply of the Services, a refund for the Services, or reimbursement for the cost of a third party re-supplying the Services.
5.2 Without limiting any other provision of these Terms and excluding Loss which arises as a direct result of our negligence, we, our related entities, officers, employees, contractors and consultants are not liable for any Loss or injury you may suffer as a result of your participation in the Course or receipt of the Services.
5.3 You acknowledge that, where the Course is delivered online, we do not control your environment or the equipment you are using and you release us from all liability for any Loss or injury suffered or incurred by you which may arise as a result of your participation in the Course or receipt of the Services from such locations and the failure of any equipment you are using, to the extent that such Loss is not caused by our negligent acts or omissions.
5.4 You agree to indemnify us and to keep us indemnified for any against any Loss we may suffer or incur in connection with your breach of these Terms, or which otherwise may arise in connection with your receipt of the Services.

6. Intellectual Property

6.1 Any Course Material made available to you is our Intellectual Property, or that of our licensors, and is for your personal use only. You are not permitted to distribute, copy, publish or otherwise make the Course Material available to any other person.
6.2 We may enable you to create or publish content, online via the e-Learning Platform or otherwise, during your receipt of the Services (User Content). By doing so you shall not acquire an interest to any Intellectual Property owned by us or our licensors, and any modifications or improvements to such material will remain our sole and exclusive property, or that of our licensors.
6.3 You warrant to us that any User Content provided by you:
a) is your property, or that you are otherwise authorized to provide such User Content to us in accordance with these Terms; and
b) will not contain any material that is illegal, offensive, indecent or objectionable.
6.4 You acknowledge and agree that:
a) we are not liable for any User Content;
b) we may suspend access to, remove or edit User Content via the e-Learning Platform or otherwise that we consider, at our sole discretion, is illegal, offensive, indecent or objectionable; and
c) by providing us with the User Content, you are granting us a royalty free, perpetual, worldwide licence, including the right to sublicense, to modify, publish, display, communicate and create derivative works of, such User Content.
6.5 In the course of us delivering the Services, we may take photos, screen captures or other visual or audio recordings of you. You acknowledge and agree that we may use your name, likeness, audio-visual and/or photographic image, without any obligation to attribute such work, or pay any royalty or fee, to you, in connection with and for the purpose of:
a) the administration of your enrolment with us;
b) creating publications, marketing and education materials, including publishing such material on our website and e-Learning Platform.
6.6 You acknowledge and agree that we are not responsible for, and will not be liable for, any interactions between students online, either on the e-Learning Platform or otherwise, and make no representation or warranty as to the accurateness or completeness of any information provided to you by any other student.
6.7 You must keep secret and secure any login credentials to the e-Learning Platform or any other secure online service made available to you by us. If you have reason to suspect that any other person is using your login credentials, you must notify us immediately in writing.

7. General

7.1 These Terms are the entire agreement between the parties in relation to their subject matter and supersede any previous agreements in relation to that subject matter. We may vary these Terms by providing you advance notice in writing.
7.2 A failure by us to exercise or delay in exercising any right, power or remedy under these Terms will not operate as a waiver under we make such waiver in writing.
7.3 If any part of these Terms is prohibited or unenforceable in any jurisdiction, the remainder of these Terms are no invalidated and remain in full force and effect.
7.4 These Terms are governed by the law of the Republic of India and each party submits to the jurisdiction of its courts.

7.5 Trading in the financial markets is risky and you may lose money. You should consult your financial adviser before trading or investing in the markets. This course is an educational program that seeks to give you the skills to make you a better trader. It does not guarantee that you will become profitable. The guarantee seen in section 3.6 above is about satisfaction of what the course seeks to do, which is to make you a better trader. We expilicitly deny any responsibility for any losses you could experience and by joining this online course you indemnify us from any liability whatsoever.

Additional Terms of Use


Through use of a user password, you will be able to access certain Elliott Wave Education's information that is only available if you meet the requisite criteria. If you are assigned a password, you are responsible for the confidentiality and use of your user password and agree not to disclose them to any third party. You agree to notify Elliott Wave Education if your password is lost or stolen or if you become aware that your password is being used in an unauthorized manner. Elliott Wave Education reserves the right to discontinue or modify your password at any time. Elliott Wave Education may terminate your ability to access certain of its internet information, without or without notice, for any reason whatsoever. Elliott Wave Education will not be liable to you or any third party for any termination of such access. You agree to promptly notify Elliott Wave Education if you wish to discontinue use of your password by writing to Elliott Wave Education.

Website Disclaimer

This website is intended for general information purposes. By accessing this website and the materials and information contained herein, you acknowledge that you have read, understand, accept and agree to be bound by the disclosures, terms and conditions that follow. Elliott Wave Education reserves the right to change the terms, conditions, and notices under which this site is offered.

Linked Internet Sites

Users are advised that information on hyperlinked or referred-to websites is neither investigated nor analyzed by Elliott Wave Education. No warranty or representation, express or implied, is given as to the accuracy or completeness of such information. Elliott Wave Education makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content. A link to another site is meant for convenience only and does not imply that Elliott Wave Education endorses the site or any products or services that it describes. Should you leave this site via a link contained herein, and view content that is not provided by Elliott Wave Education, you do so at your own risk. Elliott Wave Education is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or punitive.

No Liability or Warranty

While Elliott Wave Education uses reasonable effort to include accurate and up-to-date information on this website, errors or omissions sometimes occur. Elliott Wave Education expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with your access to or use of this site whether or not Elliott Wave Education was aware of the possibility of such damages. All information on this site, including but not limited to graphics, text and links to other sites, is provided "as is" and is subject to change without prior notice. Such information is provided, to the fullest extent permissible pursuant to applicable law, without warranty of any kind express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. Elliott Wave Education does not warrant the adequacy, accuracy or completeness of any information on this site and expressly disclaim any liability for errors or omissions therein. Users are responsible for evaluating the accuracy, completeness or usefulness of any information or other content available on this site. Elliott Wave Education does not warrant the error free and uninterrupted service of this website.


As a condition of your use of this website, you agree to indemnify and hold Elliott Wave Education, its affiliates and its third-party providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of the website, or from your violation of these terms.

USA Patriot Act; Anti-Money Laundering Legislation
On October 26, 2001, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT) Act of 2001 was signed into law. In accordance with that Act, and similar legislation in other jurisdictions (e.g. Canada's Proceeds of Crime (Money Laundering) and Terrorist Financing Act), Elliott Wave Education may require users of the password-protected portion of the site to provide more detailed information to Elliott Wave Education in order to verify their identities. In addition, Elliott Wave Education advises such users of the site that it will fully comply with any and all regulations which may be promulgated by the U.S. Treasury Department under the USA Patriot Act, including those that encourage financial institutions to share information with regulatory agencies and law enforcement about individuals or organizations that may be "reasonably suspected based on credible evidence" of engaging in terrorist acts or money laundering.


Not all securities, products or services described are available in all countries, and nothing on this site constitutes an offer or solicitation of these securities, products or services in any jurisdiction where their offer or sale is not qualified or exempt from registration.

Timeliness and Reliability of Content

All content on this website is presented only as of the date originally published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

Material to be Consulted in its Entirety

All materials at this site are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices. Any disclaimers, restrictions, disclosures or hedge clauses apply to any partial document or material in the same manner as they do the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

No Offer of Securities

Under no circumstances should any material at this site be used or considered as an offer to sell or a solicitation of any offer to buy an interest in any security or investment managed by Elliott Wave Education or its affiliates or any other product or service to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction. Access to information about specific products are limited to investors who, among other requirements, either qualify as "accredited investors" within the meaning of the Securities Act of 1933, as amended, or those investors who generally are sophisticated in financial matters, such that they are capable of evaluating the merits and risks of prospective investments.

Copyright, Trademarks, Service Marks and Logos

The contents of this website are protected by copyright. All rights in the pages, site content and arrangement are owned by Elliott Wave Education or its licensors. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any site content without the express permission of Elliott Wave Education.

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this website may constitute trade names, registered or unregistered trademarks or service marks of Elliott Wave Education and its affiliates, or of third parties used under license. The Elliott Wave Education trademarks, service marks and logos ("marks") appearing on this site or any other Elliott Wave Education site are the property of Elliott Wave Education. Users are prohibited from using any of the marks without the prior written consent of Elliott Wave Education. Nothing at this site shall be construed as granting, by implication, estoppel or otherwise, any license or right to use any image, trademark, logo or service mark at the site. No act of downloading or otherwise copying from this site will transfer title to any software or material at this site to you. Unauthorized downloading, re-transmission or other copying of modification of the contents of this website may be in violation of federal copyright laws and could subject the violator to legal action. Anything that you transmit to this site becomes the property of Elliott Wave Education, may be used by Elliott Wave Education for any lawful purpose, and is further subject to disclosure as deemed appropriate by Elliott Wave Education , including to any legal or regulatory authority to which Elliott Wave Education is subject.All information and content herein is furnished "as is" without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement of third party rights, or freedom from computer virus.

In no event will Elliott Wave Education or its affiliates be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure. Please note that access to services and your account may be affected by market conditions, system performance or for other reasons.

Elliott Wave Education reserves all rights with respect to copyright and trademark ownership of all material at this site, and will enforce such rights to the full extent of the law. This site is for your personal and non-commercial use.

Elliott Wave Education Code of Conduct

1. Introduction
The Company provides Training in the use of technical analysis, including Elliott Wave Analysis in the financial market. The courses delivered by way of the Company’s e-learning platform and online components. Supply of and access to the Services is subject to this Code of Conduct, which applies to both our on and offline learning, and sets out standards of behavior we expect from students and maintain in our learning environments. We publish our Code of Conduct on our website at ElliottWaves.com. We may update this Code from time to time.
By enrolling in one our training programs you agree to be bound by our Code of Conduct. The overarching goal is to be inclusive to the largest number of participants, with the most varied and diverse backgrounds possible. As such, we are committed to providing a friendly, safe and welcoming education environment for all, regardless of gender, sexual orientation, ability, ethnicity, socioeconomic status, and religion (or lack thereof).
This Code of Conduct outlines our expectations for students and all those who participate in our education community, as well as the consequences for unacceptable behavior.
2. Expected Behavior
The following behaviors are expected and requested of all our education community members:
• Participate in an authentic and active way. In doing so, you contribute to the health and longevity of this community.
• Exercise consideration and respect in your speech and actions.
• Attempt collaboration before conflict.
• Refrain from demeaning, discriminatory, or harassing behavior and speech.
• Be mindful of your surroundings and of your fellow participants. Alert community leaders if you notice a dangerous situation, someone in distress, or violations of this Code of Conduct, even if they seem inconsequential.
• Remember that community event venues you may be provided access to may be shared with members of the public; please be respectful to all patrons of these locations.
3. Unacceptable Behavior
The following behaviors are considered harassment and are unacceptable within our education community:
• Violence, threats of violence or violent language directed against another person.
• Sexist, racist, homophobic, transphobic, ableist or otherwise discriminatory jokes and language.
• Posting or displaying sexually explicit or violent material.
• Posting or threatening to post other people’s personally identifying information (“doxing”).
• Personal insults, particularly those related to gender, sexual orientation, race, religion, or disability.
• Inappropriate photography or recording.
• Unwelcome sexual attention. This includes, sexualized comments or jokes; inappropriate touching, groping, and unwelcomed sexual advances.
• Deliberate intimidation, stalking or following (online or in person).
• Advocating for, or encouraging, any of the above behavior.
• Sustained disruption of community events, including talks and presentations.
4. Consequences of Unacceptable Behavior
Unacceptable behavior from any education community member will not be tolerated. Anyone asked to stop unacceptable behavior is expected to comply immediately. If a community member engages in unacceptable behavior, we may take any action deemed appropriate, up to and including a temporary ban or permanent expulsion from the community and cease in the provision of any or all of our Services without warning and without refund, in accordance with our terms and conditions of service.
5. Reporting unacceptable behavior
If you are subject to or witness unacceptable behavior, or have any other concerns, please notify us as soon as possible at Ramki @ wavetimes [dot] com.