Disclaimer - Plan My Money | Financial Calculator Disclaimers and Limitations

General Disclaimer

Educational Purpose Only

Our calculators are for educational and informational purposes only. They should not be considered as professional financial, investment, tax, or legal advice. Our tools help you understand financial calculations and concepts.

Plan My Money helps make financial planning more accessible. Our calculators help users understand complex calculations, explore scenarios, learn about options, and make more informed decisions.

However, you acknowledge that:

All calculations are estimates based on provided information
Results may not reflect actual financial outcomes
You use our services at your own risk
You should verify results with qualified professionals

SEBI Registration Status

Not SEBI Registered

Plan My Money is NOT registered with SEBI as an investment advisor, portfolio manager, or research analyst. We do not provide investment advice or portfolio management services.

This means we do not:

Provide personalized investment recommendations
Offer portfolio management services
Provide research reports on specific securities
Act as investment advisors

Regulatory Compliance

For investment advice or portfolio management, consult with SEBI-registered professionals qualified to provide such services.

Financial Advice Disclaimer

Not Professional Financial Advice

Our calculators are educational tools. We explicitly do not:

Provide personalized investment advice
Offer specific financial planning strategies
Make recommendations about financial products
Act as your financial advisor or fiduciary

Consult Financial Experts

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

Educational Purpose

Our calculators help you understand EMI calculations, compare scenarios, plan goals, save time on calculations, and prepare for advisor meetings.

Accuracy and Limitations

While we strive for accuracy, there are inherent limitations:

Calculation Limitations

Simplified assumptions and models
Rounding errors in calculations
Limited input parameters
Static interest rates and assumptions

Market Variables

Interest rate fluctuations
Inflation rate changes
Market volatility
Economic policy changes

Regulatory Changes

Tax law modifications
Investment regulation updates
Government policy shifts

Investment Risk Disclaimer

All investments carry risks. Our calculators cannot predict actual outcomes and are for educational understanding only.

Market Risk

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

Inflation Risk

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

Interest Rate Risk

Changes in interest rates can affect the value of investments.

Liquidity Risk

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

Risk of Loss

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

Limitation of Liability

Plan My Money disclaims all liability for damages resulting from:

Use of our calculators and website
Financial decisions based on our tools
Technical errors or system failures
Investment losses or financial harm

No Warranties

Our services are provided "as is" without warranties. We make no guarantees about accuracy, completeness, or fitness for any purpose.

Maximum Liability

Our total liability shall not exceed ₹100 or the amount you paid (if any), which in most cases is zero since our services are free.

Always Seek Professional Advice

Before making significant financial decisions, we strongly recommend consulting with qualified professionals who can provide personalized advice.

Consider consulting with:

SEBI Registered Investment Advisors: For investment planning
Certified Financial Planners (CFP): For comprehensive planning
Chartered Accountants (CA): For tax planning
Insurance Agents: For risk management

Our Role

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

Questions About This Disclaimer

If you have questions about this disclaimer or our educational approach:

📧 Contact Information

Email: support@planmymoney.in
Response Time: Within 7 business days

Our Commitment

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

Important Disclaimer

🎓 Educational Purpose Only