Terms and Conditions

1. Acceptance of Terms

By accessing, browsing, or using Paisa Planner(the "Website" or "Site"), you confirm that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms") and our Privacy Policy. If you do not agree with any part of these Terms, please discontinue your use of the Website immediately.

These Terms apply to all visitors, users, and others who access or use the Site. We reserve the right to update or modify these Terms at any time. Continued use of the Site following any such update constitutes your acceptance of the revised Terms.

2. Use of Calculators & Tools

The financial calculators and tools provided on this Website are intended exclusively for informational and educational purposes. While we strive to ensure the accuracy of our formulas based on current Indian tax laws, EPFO rules, and financial product structures, we do not guarantee the accuracy, completeness, or applicability of any result to your specific personal financial situation.

Calculator outputs are indicative estimates only and must not be treated as definitive financial projections or professional advice.

3. No Financial or Professional Advice

The content, tools, guides, and articles on this Website do not constitute professional financial, tax, legal, or investment advice. You should not make any significant financial decision solely based on calculations or information provided by our tools. Always consult with a qualified Chartered Accountant, SEBI Registered Investment Adviser, tax consultant, or licensed financial planner before making material financial commitments.

4. Permitted Use

You are permitted to use this Website for personal, non-commercial, educational purposes. You agree not to:

• Scrape, crawl, or systematically extract data or calculator outputs from this Site using automated tools without prior written consent
• Reproduce, republish, or commercially distribute any calculator engine, code, or educational content from this Site without express written permission
• Attempt to reverse-engineer, decompile, or extract the underlying calculation algorithms
• Use this Site in any manner that could damage, disable, overburden, or impair its servers or networks
• Misrepresent outputs from our calculators as official financial statements or regulatory assessments
• Use this Site for any unlawful purpose or in violation of any applicable Indian or international law

5. Intellectual Property

The Website and all its contents — including but not limited to the calculator interfaces, underlying algorithms, user interface design, educational articles, guides, graphics, and branding — are the exclusive intellectual property of Paisa Planner and are protected under applicable Indian copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this Website without our prior express written permission.

6. Privacy & Data

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. All financial inputs you enter into our calculators are processed exclusively within your local browser and are never transmitted to our servers.

7. Third-Party Links & Advertising

The Website may contain links to third-party websites and may display third-party advertising served through Google AdSense. We do not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party website or advertisement. Interactions with third-party advertisers or linked sites are governed entirely by those third parties' own terms and policies.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Paisa Planner and its creators, operators, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of — or inability to use — this Website or any content herein, including but not limited to financial losses, loss of data, or loss of profits.

9. Governing Law & Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts located in India. By using this Website, you irrevocably consent to such jurisdiction.

10. Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Website, both parties agree to first attempt to resolve the matter informally by contacting us at contact@paisaplanner.site. We will attempt to resolve any dispute within 30 days of receiving written notice.

If informal resolution is unsuccessful, the dispute shall be referred to binding arbitration in India under the Arbitration and Conciliation Act, 1996, or submitted to the competent courts of India, at our sole discretion.

11. Changes to These Terms

We reserve the right to modify these Terms at any time at our sole discretion. Any changes will be indicated by updating the "Last Updated" date at the top of this page. Your continued use of the Website after any revision constitutes your binding acceptance of the updated Terms.

12. Contact

For any questions, concerns, or notices regarding these Terms and Conditions, please contact us at: contact@paisaplanner.site