Terms & Conditions
Last updated: June 2025
1. Acceptance of Terms
By accessing or using Finsentials.com ("the Website"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use the Website.
The Website provides financial calculators and educational tools for informational purposes only. We reserve the right to modify these terms at any time without prior notice.
2. Use of Calculators
All calculators and tools on Finsentials.com are provided for educational and illustrative purposes only. They are intended to help users understand financial concepts and explore potential scenarios. The tools support multiple currencies including Indian Rupee (₹) but are not tailored to any specific country's tax laws or financial regulations unless explicitly stated.
The calculations are based on mathematical formulas and user-provided assumptions. Results are estimates and should not be interpreted as guarantees, predictions, or promises of future financial performance.
You acknowledge that:
- Results depend entirely on the accuracy of your inputs and assumptions
- Past performance does not guarantee future results
- Market conditions, tax laws, and economic factors change over time
- These tools are not a substitute for professional financial advice
- No SEBI-registered investment advisory services are provided through this Website
Disclaimer
IMPORTANT: THIS IS A TOOL, NOT FINANCIAL ADVICE.
The content, calculators, tools, and information provided on Finsentials.com are for general informational and educational purposes only. They do not constitute financial advice, investment advice, tax advice, legal advice, or any other type of professional advice under Indian law or any other jurisdiction.
Not SEBI Registered: Finsentials.com is not registered with the Securities and Exchange Board of India (SEBI) as an investment advisor, portfolio manager, or research analyst. We do not provide personalized investment recommendations, portfolio management services, or stock-specific advice.
Not RBI Regulated: Finsentials.com is not regulated by the Reserve Bank of India (RBI) and does not provide banking, lending, or deposit services. Any references to interest rates, loan terms, or savings products are for illustrative purposes only.
No Fiduciary Relationship: Use of this Website does not create a fiduciary, advisory, or professional relationship between you and Finsentials.com or its operators.
No Guarantees: We make no representations or warranties regarding the accuracy, completeness, or reliability of any calculations, projections, or content. All results are provided "as is" without warranty of any kind.
Your Responsibility: You are solely responsible for your financial decisions. Always consult with a qualified SEBI-registered financial advisor, tax professional registered with the Institute of Chartered Accountants of India (ICAI), or legal expert before making any financial decisions or investments.
Indian Tax Considerations: Our calculators do not account for Indian tax laws including Income Tax Act, 1961, capital gains tax, Securities Transaction Tax (STT), or Goods and Services Tax (GST). Consult a qualified Chartered Accountant (CA) for tax-specific advice.
Hypothetical Examples: Any examples, scenarios, or case studies presented are hypothetical and for illustration only. They do not represent actual investment outcomes. Examples using Indian Rupees (₹) are for demonstration purposes only.
Inflation Assumptions: Default inflation rates used in calculators are based on historical averages and may not reflect future inflation conditions in India or any other country.
Exchange Rates: Currency conversions are not performed by these tools. The currency selector changes display symbols only. Users should input values in their preferred currency.
No Liability: To the maximum extent permitted by applicable law, Finsentials.com, its owners, operators, and affiliates shall not be liable for any loss, damage, or injury arising from the use of or reliance on any information or calculations provided on this Website, including but not limited to investment losses, tax penalties, or opportunity costs.
3. Intellectual Property
All content on Finsentials.com, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Finsentials.com or its content suppliers and is protected by applicable intellectual property laws, including the Indian Copyright Act, 1957. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.
4. User Conduct
You agree not to:
- Use the Website for any unlawful purpose or in violation of any applicable laws including Indian IT Act, 2000
- Attempt to disrupt, damage, or impair the Website's functionality
- Scrape, crawl, or extract data from the Website without authorization
- Misrepresent the accuracy or reliability of the tools provided
- Use the Website to distribute malware or harmful code
5. Third-Party Links & Advertising
The Website may contain links to third-party websites, affiliate offers, and advertisements (including Google AdSense). We do not endorse or control these third-party sites and are not responsible for their content, privacy practices, or terms. Any interaction with third-party services is solely between you and the third party.
6. Limitation of Liability
To the maximum extent permitted by applicable law, including but not limited to the Indian Contract Act, 1872, Finsentials.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising from your use of the Website or any content therein.
7. Privacy Policy
Your privacy is important to us. This section explains how we handle your information in compliance with the Indian Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the Digital Personal Data Protection Act, 2023 (DPDP Act), and other applicable laws.
Information We Collect
We do not require you to create an account or provide personal information to use our calculators. All calculations are performed locally in your browser. We may collect:
- Cookies & Analytics: We use cookies and similar technologies for analytics (e.g., Google Analytics) and advertising (e.g., Google AdSense). These services may collect anonymized usage data including pages visited, time spent, and interaction patterns.
- Ad Personalization: Google AdSense may use cookies to serve personalized ads based on your browsing history. You can opt out of personalized advertising at Google Ad Settings.
How We Use Information
- To improve our website and tools
- To display relevant advertisements
- To analyze usage patterns and optimize user experience
- To comply with legal obligations under Indian law
Third-Party Services
We use the following third-party services:
- Google AdSense - for advertising
- Cloudflare - for CDN and security
- Google Fonts - for typography
- Font Awesome - for icons
- Chart.js - for data visualization
Each service has its own privacy policy governing data collection and use. Data may be transferred to servers outside India.
Data Retention
We do not store any financial data you enter into our calculators. All calculations are processed client-side in your browser. Analytics data is retained according to each analytics provider's retention policy.
Your Rights (DPDP Act, 2023)
Under India's Digital Personal Data Protection Act, 2023, you have the right to:
- Know what personal data is being collected and the purpose of collection
- Withdraw consent for data processing at any time
- Request correction or erasure of your personal data
- Grievance redressal regarding data handling
- Opt out of personalized advertising via Google Ad Settings
- Block cookies through your browser settings
GDPR Compliance (EU Users)
If you are in the European Economic Area (EEA), you have additional rights under the GDPR. We process data based on legitimate interests (analytics) and consent (ad personalization). You can withdraw consent at any time.
Grievance Officer
In compliance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the DPDP Act, 2023, any grievances or complaints regarding data handling may be addressed to the Grievance Officer through the contact information provided on the Website.
Contact
For any privacy-related inquiries or communications, you may reach us at legal@finsentials.com.
8. Changes to Terms
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting. Your continued use of the Website after any changes constitutes acceptance of the new terms.
9. Contact & Grievance Redressal
If you have questions about these Terms and Conditions or wish to file a grievance, please contact us through the contact information provided on the Website. We will endeavor to resolve grievances within the timeframe specified under applicable Indian laws.
10. Governing Law & Jurisdiction
These terms shall be governed by and construed in accordance with the laws of the Republic of India. Any disputes arising out of or relating to these terms shall be subject to the exclusive jurisdiction of the courts in Mumbai, India.