Disclaimer - Plan My Money | Financial Calculator Disclaimers and Limitations

General Disclaimer

Critical Notice - Educational Purpose Only

The information, tools, and calculators provided on Plan My Money are for educational and informational purposes only. They should not be considered as professional financial, investment, tax, or legal advice. Our tools are designed to make financial calculations easier and help you understand various financial concepts.

Plan My Money is dedicated to making financial planning more accessible and understandable for everyone. Our calculators and educational content are designed to help users:

Understand complex financial calculations in simple terms
Explore different financial scenarios and possibilities
Learn about various investment and savings options
Make more informed financial decisions
Prepare better for conversations with financial professionals

However, you acknowledge that:

All calculations are estimates based on the information you provide
Results may not reflect actual financial outcomes
You use our services entirely at your own risk
You should always verify results with qualified professionals
We are not responsible for decisions made based on our calculators

SEBI Registration Status

Not SEBI Registered

Plan My Money 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 investment advice, recommendations, or portfolio management services that require SEBI registration.

This means:

We do not provide personalized investment recommendations
We do not offer portfolio management services
We do not provide research reports on specific securities
We do not act as investment advisors in any capacity
Our calculators are purely educational tools

Regulatory Compliance

If you are seeking investment advice or portfolio management services, please consult with SEBI-registered professionals who are qualified to provide such services.

Financial Advice Disclaimer

Not Professional Financial Advice

Our calculators and content are educational tools designed to help you understand financial concepts. We explicitly do not:

Provide personalized investment advice or recommendations
Offer specific financial planning strategies
Make recommendations about specific financial products
Provide advice based on your individual circumstances
Act as your financial advisor, broker, or fiduciary
Offer any form of professional financial services

Consult Financial Experts

Before making any financial decisions, always consult with qualified financial professionals who can provide personalized advice based on your specific situation, risk tolerance, and financial goals.

Educational Purpose and Life Enhancement

Our mission is to make financial calculations easier and more accessible. Our calculators help you:

Understand how EMI calculations work
Compare different loan and investment scenarios
Plan your financial goals more effectively
Save time on complex mathematical calculations
Learn about Indian financial products and schemes
Prepare better for meetings with financial advisors

Accuracy and Calculation Limitations

While we strive to provide accurate calculators that make your life easier, there are inherent limitations:

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Calculation Accuracy

Our calculators use standard financial formulas but may not account for all variables affecting real-world scenarios.

Limitations include:

Simplified assumptions and models
Rounding errors in calculations
Limited input parameters
Static interest rates and assumptions
Bank-specific terms and conditions

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Market Changes

Financial markets and economic conditions change constantly, affecting the relevance of calculations.

Variable factors:

Interest rate fluctuations
Inflation rate changes
Market volatility
Economic policy changes
RBI monetary policy decisions

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Regulatory Changes

Tax laws, regulations, and financial rules change frequently and may not be reflected in our calculators.

Regulatory variables:

Income tax law modifications
GST rate changes
Retirement plan rule changes
Investment regulation updates
Government policy shifts

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Assumptions

All calculations are based on standard assumptions that may not match your actual circumstances.

Common assumptions:

Constant contribution amounts
Regular investment intervals
Fixed expense ratios
Predictable income patterns
Standard processing charges

Investment Risk Disclaimer

All investments carry inherent risks, and past performance does not guarantee future results. Our calculators cannot predict actual investment outcomes and are meant for educational understanding only.

Market Risk

Investment values can fluctuate due to market conditions, potentially resulting in significant losses.

Inflation Risk

Rising prices may erode the purchasing power of your investments over time.

Interest Rate Risk

Changes in interest rates can affect the value of bonds and other interest-sensitive investments.

Liquidity Risk

Some investments may be difficult to sell quickly without affecting their price.

Credit Risk

Bond issuers or financial institutions may default on their obligations.

Currency Risk

International investments may be affected by currency exchange rate fluctuations.

Risk of Loss

You may lose some or all of your principal investment. No calculator can eliminate investment risk or guarantee positive returns. Our tools help you understand potential scenarios for educational purposes only.

Tax and Legal Disclaimer

Tax Information

Tax calculations provided by our tools are estimates based on general tax rules and may not reflect:

Your specific tax situation and income sources
Latest tax law changes and amendments
State and local tax variations across India
Complex tax scenarios and exemptions
Available deductions and credits specific to you
Professional tax and other local taxes

Legal Limitations

We are not a law firm and do not provide legal advice. Our content should not be relied upon for:

Estate planning decisions
Business structure choices
Contract interpretations
Regulatory compliance requirements
Legal dispute resolution
Property or succession matters

Professional Consultation Required

Always consult with qualified chartered accountants, tax professionals, and attorneys for advice specific to your situation and current legal requirements.

Technology Limitations

System Availability

Our website and calculators may experience:

Temporary outages or maintenance periods
Browser compatibility issues
Mobile device performance variations
Internet connectivity dependencies
Server load-related slowdowns

Data Security

While we implement security measures, we cannot guarantee:

Complete protection against all cyber threats
Prevention of data transmission errors
Absolute privacy of information entered
Backup and recovery of user data

Local Processing for Privacy

Most of our financial calculations are performed locally in your browser to enhance privacy and security. This approach ensures your sensitive financial data never leaves your device, but results depend on your device's processing capabilities.

Third-Party Content Disclaimer

External Links

Our website may contain links to third-party websites and resources. We:

Do not endorse third-party content or services
Are not responsible for external website accuracy
Cannot control third-party privacy practices
Do not guarantee third-party service availability
Are not liable for third-party content or services

Third-Party Data

Some of our calculators may use data from external sources, which may be:

Subject to delays or inaccuracies
Based on different methodologies
Updated at varying frequencies
Subject to third-party terms of use
Not verified by our team

Limitation of Liability

To the fullest extent permitted by law, Plan My Money disclaims all liability for any direct, indirect, incidental, special, or consequential damages resulting from:

Use of our calculators and website
Reliance on calculation results for financial decisions
Financial decisions based on our educational tools
Technical errors or system failures
Data transmission errors or delays
Third-party content or services
Investment losses or financial harm

No Warranties

Our services are provided "as is" without warranties of any kind, including but not limited to accuracy, completeness, reliability, or fitness for a particular purpose. We make no guarantees about the results of using our calculators.

Maximum Liability

In no event shall our total liability to you exceed the amount paid by you (if any) for accessing our services in the 12 months preceding the claim, which in most cases is zero since our services are free.

Always Seek Professional Advice

Before making any significant financial decisions, we strongly recommend consulting with qualified professionals who can provide personalized advice based on your specific circumstances, goals, and risk tolerance.

Consider consulting with:

SEBI Registered Investment Advisors: For investment planning and portfolio management
Certified Financial Planners (CFP): For comprehensive financial planning
Chartered Accountants (CA): For tax planning and compliance
Tax Professionals: For income tax preparation and planning
Estate Planning Attorneys: For estate and legacy planning
Insurance Agents: For risk management and insurance needs
Bank Relationship Managers: For loan and banking products

Professional advisors can help you understand the implications of financial decisions and develop strategies tailored to your unique situation. Our calculators are designed to help you prepare for these conversations and understand the basics of financial planning.

Our Role in Your Financial Journey

Think of Plan My Money as your financial calculator companion that makes complex calculations simple and helps you understand financial concepts. We're here to make your life easier, not to replace professional advice.

Questions About This Disclaimer

If you have any questions about this disclaimer, our calculators, or need clarification about our educational approach, please contact us:

📧 Contact Information

Email: legal@planmymoney.in

Support: support@planmymoney.in

Address: Bengaluru, Karnataka, India

Response Time: Within 7 business days

We are committed to transparency and educational excellence. We'll do our best to address any concerns about our disclaimers, calculator limitations, or educational approach.

Our Commitment

We're dedicated to making financial planning more accessible and understandable for everyone in India. While we cannot provide professional advice, we can help you become more financially literate and better prepared for your financial journey.

🎓 Educational Purpose Only