Terms & Conditions

Last Updated: April 2026  |  Effective Date: April 2026

These Terms and Conditions ("Terms") govern your use of financeadhikar.com ("Website"), operated by an individual creator based in Ludhiana, Punjab, India. By accessing or using our Website, you agree to be bound by these Terms. If you do not agree, please do not use our Website.

1. Acceptance of Terms

By accessing and using Finance Adhikar, you confirm that you are at least 18 years of age, have read and understood these Terms, and agree to be legally bound by them. If you are using the Website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Service

Finance Adhikar provides free online financial calculators and educational tools including but not limited to:

• Investment calculators (SIP, Lumpsum, ELSS, etc.)
• Loan & EMI calculators (Home Loan, Car Loan, Personal Loan, etc.)
• Savings & Deposit calculators (FD, RD, PPF, NPS, etc.)
• Tax & salary calculators
• Educational financial content and articles

All calculations provided are estimates only and are intended for educational and informational purposes. They do not constitute financial, investment, legal, or tax advice.

3. Intellectual Property

All content on Finance Adhikar — including but not limited to text, graphics, logos, calculator designs, code, and educational articles — is the intellectual property of Finance Adhikar and is protected under applicable Indian and international copyright laws.

• You may not reproduce, distribute, modify, or create derivative works without explicit written permission
• You may share individual calculator results for personal use
• Embedding our calculators on other websites without permission is prohibited

4. User Conduct

By using Finance Adhikar, you agree NOT to:

• Use the website for any unlawful purpose or in violation of any regulations
• Attempt to gain unauthorized access to any part of the website or its related systems
• Use automated tools (bots, scrapers, crawlers) to extract data from the website
• Transmit any harmful, offensive, or disruptive content
• Impersonate Finance Adhikar or any individual associated with it
• Interfere with the proper functioning of the website

5. Financial Disclaimer

Finance Adhikar is NOT a SEBI-registered investment advisor. All calculators and content are provided for educational purposes only.

• Calculator results are mathematical estimates based on the inputs you provide
• Actual returns may vary significantly from calculated projections
• Past performance of any investment is not indicative of future results
• We strongly recommend consulting a qualified financial advisor before making any investment decisions

6. Advertising

Finance Adhikar displays advertisements through Google AdSense and may include affiliate links in the future. We are not responsible for the content, accuracy, or practices of advertised third-party products or services. Clicking on advertisements or affiliate links is entirely at your own discretion and risk.

7. Third-Party Links

Our website may contain links to third-party websites for reference purposes. These links do not imply endorsement, and we have no control over the content or practices of linked sites. We are not liable for any loss or damage arising from your use of third-party websites.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Finance Adhikar and its owner shall not be liable for:

• Any direct, indirect, incidental, or consequential damages arising from your use of the website
• Financial losses resulting from reliance on calculator results or website content
• Interruption or unavailability of the website or its features
• Errors, inaccuracies, or omissions in calculator results or content
• Unauthorized access to or use of our servers and/or any personal information stored therein

9. Indemnification

You agree to indemnify, defend, and hold harmless Finance Adhikar, its owner, and associates from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your use of the website, violation of these Terms, or infringement of any third-party rights.

10. Disclaimer of Warranties

Finance Adhikar is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

11. Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of the website at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the service.

12. Changes to Terms

We reserve the right to update these Terms at any time. Changes will be effective immediately upon posting. Continued use of the website after any changes constitutes your acceptance of the new Terms.

13. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of India. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in Ludhiana, Punjab, India. For international users, we make no representation that the website is appropriate or available for use in other locations.

14. Contact Us

For any questions regarding these Terms and Conditions: