Terms & Conditions

Agreement to Terms

Welcome to Plan My Money. These Terms and Conditions ("Terms", "Terms and Conditions") govern your use of our website located at planmymoney.in and our financial calculator services (together, the "Service") operated by Plan My Money ("us", "we", or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

Use of Calculators

Purpose and Scope

Our financial calculators are provided for informational and educational purposes only. They are designed to help you:

• Estimate potential financial outcomes and scenarios
• Plan your financial goals and objectives
• Understand various financial concepts and calculations
• Compare different financial products and strategies

Calculator Accuracy and Limitations

While we strive to maintain accurate and up-to-date calculator logic, we make no guarantees about:

• The accuracy, completeness, or reliability of calculation results
• The suitability of results for your specific financial situation
• The reflection of real-world market conditions or changes
• Compliance with the latest tax laws or regulations

Acceptable Use

You agree to use our calculators only for lawful purposes and in accordance with these Terms. You may:

• Use calculators for personal financial planning
• Reference our calculators in educational contexts
• Share calculator results for informational purposes
• Provide feedback to help improve our services

User Accounts

Currently, our basic calculator services do not require user registration. However, if we offer account features in the future, the following terms will apply:

Account Creation

• You must provide accurate and complete information
• You must be at least 18 years old to create an account
• You are responsible for maintaining account security
• One person may only create one account

Account Responsibilities

• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized use
• Accept responsibility for all activities under your account
• Update your information to keep it current and accurate

Prohibited Uses

You may not use our Service for any unlawful purpose or to solicit others to engage in unlawful acts. The following uses are strictly prohibited:

Intellectual Property Rights

Our Content

The Service and its original content, features, and functionality are and will remain the exclusive property of Plan My Money and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used without our prior written consent.

Your Rights

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to:

• Access and use our calculators for personal purposes
• View and print individual calculator results
• Share calculator links and results for informational purposes

Restrictions

You may not:

• Modify, copy, or distribute our content for commercial purposes
• Remove copyright or proprietary notices
• Create derivative works based on our calculators
• Use our content in ways that compete with our services

User Generated Content

Content You Provide

If you submit, post, or otherwise provide content to our Service (such as comments, feedback, or suggestions), you grant us a worldwide, royalty-free license to use, modify, and distribute such content for the purpose of improving our services.

Content Standards

Any content you provide must:

• Be accurate and not misleading
• Not violate any applicable laws or regulations
• Not infringe on intellectual property rights
• Not contain offensive or inappropriate material
• Not include personal or sensitive financial information

Disclaimers

Financial Advice Disclaimer

Our calculators and content are provided for educational and informational purposes only. We do not provide financial, investment, tax, or legal advice. The information provided by our calculators should not be relied upon as the sole basis for financial decisions.

No Warranties

Our Service is provided on an "AS IS" and "AS AVAILABLE" basis. We make no warranties, expressed or implied, including:

• Merchantability or fitness for a particular purpose
• Accuracy or completeness of information
• Uninterrupted or error-free operation
• Security or protection from unauthorized access

Third-Party Content

We may provide links to third-party websites or services for your convenience. We do not endorse or take responsibility for the content, privacy policies, or practices of third-party sites.

Limitation of Liability

To the fullest extent permitted by applicable law, Plan My Money shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from:

Our total liability to you for all claims arising from your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.

Indemnification

You agree to defend, indemnify, and hold harmless Plan My Money, its affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to:

• Your violation of these Terms or applicable laws
• Your use or misuse of the Service
• Your violation of the rights of a third party
• Any content you submit, post, or transmit through the Service
• Any financial decisions made based on our calculator results

Termination

Termination by You

You may stop using our Service at any time. If you have an account with us, you may delete it by contacting us.

Termination by Us

We may terminate or suspend your access immediately, without prior notice or liability, if you:

• Breach these Terms
• Engage in prohibited activities
• Misuse our services
• Pose a security risk

Effect of Termination

Upon termination, your right to use the Service will cease immediately. Provisions that by their nature should survive termination will survive, including ownership provisions, warranty disclaimers, and limitations of liability.

Governing Law and Jurisdiction

These Terms shall be interpreted and governed by the laws of India, without regard to conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Bengaluru, Karnataka, India.

Dispute Resolution

Before pursuing legal action, we encourage you to contact us to seek a resolution. We are committed to resolving disputes in good faith through direct negotiation.

Class Action Waiver

To the extent permitted by law, you and Plan My Money agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of material changes by:

• Posting the updated terms on our website
• Updating the "Last Updated" date
• Sending email notifications for significant changes
• Displaying a prominent notice on our website

Your continued use of the Service after any such changes constitutes your acceptance of the new Terms. If you do not agree to the new terms, you must stop using the Service.

Contact Information

If you have any questions about these Terms and Conditions, please contact us:

We value your feedback and are committed to addressing any concerns or questions you may have about our Terms and Conditions.