Disclaimer

1. For Illustrative Purposes Only

The calculators, tools, projections, estimates, and all financial content available on FinCalcHQ ("the Website") are provided strictly for illustrative and educational purposes. All outputs — including but not limited to EMI calculations, SIP projections, tax estimates, retirement corpus figures, salary breakdowns, compound interest results, and debt payoff timelines — are based on simplified mathematical models and user-provided inputs.

Actual results in real-life financial scenarios may differ — sometimes significantly — from the figures shown on this Website, due to factors including but not limited to: changes in interest rates, inflation, tax laws, market conditions, individual financial circumstances, lender policies, and government regulations.

2. Not Financial or Professional Advice

Nothing on this Website should be construed as financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. FinCalcHQ is an independent informational platform operated by individuals who are not SEBI-registered investment advisors, AMFI-registered mutual fund distributors, Chartered Accountants, or licensed financial planners.

Before making any financial decision — including but not limited to investments, loan applications, insurance purchases, tax planning, or retirement planning — you should consult a qualified financial advisor, tax professional, or other licensed expert who can evaluate your specific situation.

3. No Warranty on Accuracy

While we make reasonable efforts to ensure that the formulas, data, and content on this Website are accurate and up to date, we make no representations or warranties of any kind, express or implied, regarding:

• The accuracy, completeness, or correctness of any calculation, result, or content on the Website
• The suitability of any tool or content for any specific purpose
• The currency or timeliness of tax rates, interest rates, government regulations, or other figures used in calculations
• The absence of errors, bugs, or inaccuracies in the calculator logic or underlying formulas

Tax laws, interest rates, government regulations, and financial products change frequently. Information on this Website may not reflect the most recent changes. Always verify critical figures with official government sources (Income Tax Department, RBI, SEBI, PFRDA) or a qualified professional before acting on them.

4. Limitation of Liability

To the fullest extent permitted by applicable law, FinCalcHQ, its owners, operators, contributors, and affiliates shall not be liable for any loss, damage, or harm of any kind arising from or in connection with your use of this Website or reliance on any content, calculation, or result provided herein. This includes, without limitation:

• Any financial loss, wealth loss, investment loss, or loss of income of any kind
• Any loss arising from incorrect, incomplete, or outdated calculations or content
• Any loss arising from decisions made based on information or results from this Website
• Any indirect, incidental, consequential, special, or punitive damages
• Any loss resulting from errors in tax planning, loan decisions, retirement planning, or investment decisions made using this Website's tools

By using this Website, you expressly agree that your use is at your sole risk and that FinCalcHQ bears no responsibility or liability for any outcome — financial or otherwise — resulting from your use of the Website or reliance on its content.

5. User Responsibility

You are solely responsible for any financial decisions you make. The results shown by any calculator on this Website are based on the inputs you provide. We are not responsible for incorrect results arising from inaccurate, incomplete, or erroneous inputs entered by the user.

It is your responsibility to:

• Verify all calculator inputs before relying on any output
• Independently verify the accuracy of results against official sources
• Seek professional advice before making financial decisions
• Stay updated on changes to tax laws, regulations, and financial products that may affect your situation

6. External Links

This Website may contain links to third-party websites for reference or informational purposes. FinCalcHQ does not endorse, control, or take responsibility for the content, accuracy, or practices of any third-party website. Visiting external links is entirely at your own risk.

7. No Fiduciary Relationship

Your use of this Website does not create any fiduciary, advisory, or professional relationship between you and FinCalcHQ. We are not your financial advisor, tax consultant, or legal counsel. No information communicated through this Website — whether via calculators, articles, guides, or any other format — should be treated as a substitute for personalised professional advice.

8. Changes to This Disclaimer

We reserve the right to update or modify this Disclaimer at any time without prior notice. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Website after any changes constitutes your acceptance of the revised Disclaimer.

9. Governing Law

This Disclaimer shall be governed by and construed in accordance with the laws of India. Any disputes arising in connection with this Disclaimer or your use of the Website shall be subject to the exclusive jurisdiction of the courts of India.

10. Contact

If you have questions about this Disclaimer, please contact us at fincalchq.com/contact.html.