Terms of Use & Regulatory Disclaimer
Legal terms governing your use of FinCalc Suite Pro, regulatory compliance disclosures under SEBI, SEC, and ESMA guidelines, and limitations of liability.
FinCalc Suite Pro is an independent financial technology and calculation platform. We are NOT a SEBI-registered Investment Adviser, Research Analyst, Broker, or Portfolio Management Service provider. All calculators, simulation models, historical mutual fund return comparisons, bullion spot prices, and economic news feeds are provided strictly for educational, illustrative, and benchmark modeling purposes only. Nothing on this website constitutes personalized financial planning, tax advice, legal counsel, or solicitation to purchase/sell any security, commodity, or investment scheme.
By accessing, browsing, or utilizing any calculator or informational tool provided on FinCalc Suite Pro, you explicitly acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any portion of these terms, please discontinue use of this website immediately.
While we make every rigorous effort to maintain algorithmic precision and update tax provisions immediately following Union Budget releases and RBI circulars:
- Income Tax Calculations: Computed based on publicly available Finance Act provisions. Actual ITR filing liability may differ based on residential status, surcharge, marginal relief nuances, or specific business deductions. Always consult a certified Chartered Accountant (CA).
- Mutual Fund Compounding (SIP / SWP / Lumpsum): Mutual fund investments are subject to market risks. Historical CAGR returns shown are past performance benchmarks and do not guarantee future performance.
- Loan EMI Amortization: Calculations use standard reducing balance formulas. Exact bank repayment schedules may vary slightly based on broken-period interest, processing fees, or floating-rate reset dates.
- Live Metal & FX Rates: Benchmark indicative prices updated periodically. Actual jeweler hallmark retail prices and bank foreign remittance spreads may include custom margins.
FinCalc Suite Pro is utilized by users worldwide. Users should note the applicable jurisdictional boundaries:
- India: Tools reference Income Tax Act 1961, SEBI, RBI, and AMFI guidelines.
- United States: We are not registered with the SEC, FINRA, or CFTC. Content does not constitute US investment advice.
- European Union / UK: We are not authorized or regulated by the FCA (UK) or ESMA (EU) under MiFID II directives.
- Middle East (UAE / GCC): Currency conversion and gold references are for informational purposes and not regulated by the SCA.
Under no circumstances shall FinCalc Suite Pro, its authors, developers, or affiliates be liable for any direct, indirect, incidental, consequential, or pecuniary loss or damage arising out of the use, reliance on, or inability to use the calculators, projections, or market feeds provided on this platform. Users bear sole responsibility for verifying all numbers with licensed financial professionals before committing capital.
The UI/UX design, custom visual components, and original content on FinCalc Suite Pro are protected by intellectual property laws. We reserve the right to modify, enhance, or discontinue any feature or update these terms at any time without prior notice.