Terms of Use

Last Updated: January 7, 2026

Welcome to MoneyWiseGuide. By accessing or using our financial planning tools and calculators, you agree to be bound by these Terms of Use. Please read them carefully before using our services.

1. Acceptance of Terms

By accessing and using MoneyWiseGuide ("the Service"), you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our Service.

2. Description of Service

MoneyWiseGuide provides:

• Financial calculators for investment planning (SIP, PPF, EPF, NPS, etc.)
• Tax planning tools (Income Tax, HRA, Capital Gains calculators)
• Budget and expense management tools
• Retirement and goal planning calculators
• Educational content and financial insights

3. User Accounts

Registration

• You must provide accurate and complete information when creating an account
• You are responsible for maintaining the confidentiality of your account credentials
• You must be at least 18 years old to create an account
• One person or entity may maintain only one account

Account Security

• You are responsible for all activities under your account
• Notify us immediately of any unauthorized use
• We reserve the right to terminate accounts that violate these terms

4. Disclaimer of Financial Advice

• All calculations are for illustrative purposes only
• Results are based on assumptions and inputs you provide
• We do not guarantee the accuracy or reliability of calculations
• Consult qualified financial professionals before making investment decisions
• We are not responsible for any financial losses from using our tools

5. Accuracy of Information

While we strive for accuracy:

• Tax rates, interest rates, and financial rules may change
• Calculations are based on current information and assumptions
• Users should verify all information independently
• We make no warranties about the completeness or accuracy of our content

6. Acceptable Use

You May:

• Use our calculators for personal financial planning
• Save and review your calculation history
• Share results from our tools (with attribution)

You May NOT:

• Use the Service for illegal or unauthorized purposes
• Attempt to hack, disrupt, or gain unauthorized access
• Copy, redistribute, or create derivative works without permission
• Use automated tools to scrape or download content
• Impersonate others or provide false information
• Transmit viruses or malicious code

7. Intellectual Property

All content, including calculators, tools, design, text, graphics, and software, is owned by MoneyWiseGuide and protected by copyright and intellectual property laws.

• You may not reproduce or redistribute our content without permission
• Calculation methodologies and algorithms are proprietary
• Our brand name, logo, and trademarks are protected

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• MoneyWiseGuide is provided "AS IS" without warranties of any kind
• We are not liable for any direct, indirect, or consequential damages
• We do not guarantee uninterrupted or error-free service
• You use our Service at your own risk
• Our total liability shall not exceed the amount paid by you (if any)

9. Indemnification

You agree to indemnify and hold MoneyWiseGuide harmless from any claims, damages, or expenses arising from:

• Your use of our Service
• Your violation of these Terms
• Your violation of any rights of another person or entity

10. Third-Party Links and Services

Our Service may contain links to third-party websites or services. We are not responsible for:

• The content or practices of external sites
• Products or services offered by third parties
• Any damages from your use of third-party services

11. Modifications to Service

We reserve the right to:

• Modify, suspend, or discontinue any part of the Service
• Change features, pricing, or availability
• Update calculation methods and assumptions
• Make changes without prior notice

12. Termination

We may terminate or suspend your access:

• For violation of these Terms
• For fraudulent or illegal activity
• At our discretion, with or without cause
• Upon your request to delete your account

Upon termination, your right to use the Service ceases immediately.

13. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in India.

14. Changes to Terms

We may update these Terms periodically. Changes become effective upon posting. Continued use of the Service after changes constitutes acceptance of the new Terms.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

16. Contact Information

For questions about these Terms, contact us:

• Email: support@moneywiseguide.com
• Address: MoneyWiseGuide, India