Legal Notice

Acceptance of Terms

This Legal Notice constitutes a legally binding agreement between you ("User", "You", or "Your") and Plan My Money ("We", "Us", "Our", or the "Company") regarding your use of our free financial calculator platform, website, and related services.

Who Can Use Our Services

• Age Requirement: Users must be at least 18 years old or have parental consent
• Legal Capacity: Users must have the legal capacity to enter into binding agreements
• Jurisdiction: Services are primarily intended for users in India
• Compliance: Users must comply with all applicable local, state, and national laws
• Good Faith: Users must use services honestly and for legitimate purposes

Agreement Scope

This Legal Notice covers:

• Use of all Plan My Money calculators and tools
• Access to all free features and services
• Optional user account creation and management
• User-generated content and data
• Customer support and communications
• Website navigation and functionality

Service Description

Plan My Money provides a comprehensive platform of financial calculators, educational tools, and related services designed to help users understand and plan their finances more effectively - all completely free of charge.

Our Free Services Include

Service Characteristics

Our services are characterized by:

• 100% Free: All features and tools are completely free with no hidden charges
• No Registration Required: Most calculators work without any account creation
• Educational Purpose: Tools are for educational and informational purposes
• No Financial Advice: We do not provide personalized financial advice or recommendations
• Calculation Estimates: Results are estimates based on provided inputs and standard assumptions
• Technology Dependencies: Services depend on internet connectivity and browser compatibility

User Rights and Responsibilities

As a user of Plan My Money's free platform, you have specific rights and responsibilities that govern your relationship with our service.

Prohibited Uses

The following activities are strictly prohibited:

• Illegal Activities: Using services for any illegal or fraudulent purposes
• System Interference: Attempting to hack, disrupt, or compromise our systems
• Unauthorized Access: Accessing accounts or data without permission
• Content Violations: Uploading malicious code or inappropriate content
• Commercial Misuse: Reselling or redistributing our services without authorization
• Data Scraping: Automated extraction of data from our website
• Spam Activities: Sending unsolicited communications through our platform

Intellectual Property Rights

Plan My Money respects intellectual property rights and expects users to do the same. All content, features, and functionality on our platform are protected by intellectual property laws.

Our Intellectual Property

• Website Content: All text, graphics, logos, images, and multimedia content
• Software and Code: Calculator algorithms, website functionality, and user interfaces
• Trademarks: Plan My Money name, logo, and associated brand elements
• Design Elements: Website layout, color schemes, and visual design
• Educational Materials: Articles, guides, tutorials, and learning content
• Database Rights: Organization and structure of our content and data

User-Generated Content

• Ownership: You retain ownership of personal data and inputs you provide
• License Grant: You grant us limited rights to process your data to provide services
• Responsibility: You ensure you have rights to any content you provide
• Non-Disclosure: We do not claim ownership of your financial information

Permitted Uses

You may:

• Use calculators for personal financial planning purposes
• Share calculation results for personal financial discussions
• Reference our educational content with proper attribution
• Create links to our publicly accessible pages
• Use our services for educational or learning purposes

Prohibited Uses

You may not:

• Copy, reproduce, or distribute our proprietary content
• Reverse engineer our calculator algorithms
• Use our trademarks or branding without permission
• Create derivative works based on our content
• Embed our calculators on external websites without authorization
• Use our content for commercial purposes without permission

Service Availability and Performance

While we strive to provide reliable and consistent service availability for our free platform, we cannot guarantee uninterrupted access due to various technical and external factors.

Service Level Expectations

• Best Effort Uptime: We aim for high availability of our free calculator services
• Performance: Fast loading times and responsive calculator operations
• Browser Support: Compatibility with modern browsers on desktop and mobile
• Security: Regular security updates and monitoring
• Data Backup: Regular backups to prevent data loss

Planned Maintenance

• Scheduled Maintenance: Advance notification when possible for planned downtime
• Security Updates: Emergency updates may occur without prior notice
• Feature Upgrades: New features deployed with minimal service disruption
• Infrastructure Improvements: Periodic updates to improve performance

Service Interruptions

Service may be temporarily unavailable due to:

• Planned maintenance and upgrades
• Emergency security measures
• Network connectivity issues
• Third-party service dependencies
• Force majeure events beyond our control
• Hardware or software failures

Alternative Access

During service interruptions:

• Basic calculators may remain available through cached versions
• Educational content may be accessible via search engines
• Customer support remains available via email
• Service status updates provided through available channels

Data Protection and Privacy

We are committed to protecting your privacy and personal data in accordance with applicable Indian data protection laws and international best practices, especially important as we provide free services.

Data Collection

• Optional Account Information: Email and name for optional account creation
• Usage Data: Calculator usage patterns and feature preferences
• Technical Data: IP address, browser type, and device information
• Communication Data: Support interactions and feedback
• Minimal Collection: We collect minimal data since our service is free

Data Processing Principles

• Local Processing: Most financial calculations performed locally on your device
• Minimal Collection: Only necessary data collected for service provision
• Purpose Limitation: Data used only for stated purposes
• Data Minimization: Regular review and deletion of unnecessary data
• Accuracy: Mechanisms to ensure data accuracy and updates
• No Monetization: We do not sell or monetize user data

Your Data Rights

• Access Right: Request copies of your personal data (if any stored)
• Rectification Right: Correct inaccurate personal information
• Erasure Right: Request deletion of your data under certain conditions
• Portability Right: Receive your data in a machine-readable format
• Objection Right: Object to certain types of data processing

Data Security Measures

• Encryption: Data encrypted in transit and at rest
• Access Controls: Strict employee access controls and monitoring
• Regular Audits: Security assessments and vulnerability testing
• Incident Response: Procedures for handling data breaches
• Third-Party Security: Due diligence on service provider security

Limitation of Liability

To the fullest extent permitted by applicable law, Plan My Money's liability for our free services is limited as set forth in this section.

Types of Damages Excluded

We shall not be liable for:

• Indirect Damages: Consequential, incidental, or punitive damages
• Financial Losses: Investment losses based on calculator results
• Business Interruption: Lost profits or business opportunities
• Data Loss: Loss of data due to technical failures
• Third-Party Actions: Actions of service providers or other entities
• Force Majeure: Events beyond our reasonable control
• Free Service Issues: Problems arising from use of free services

Maximum Liability for Free Services

• Free Users: No monetary liability for users of free services
• Maximum Liability: Limited to ₹1,000 for any claims
• Time Limitation: Claims must be brought within one year of the incident
• Aggregate Liability: Total liability across all claims limited

Exceptions to Limitations

Limitations do not apply to:

• Death or personal injury caused by our negligence
• Fraudulent misrepresentation
• Liability that cannot be excluded under Indian law
• Willful misconduct by our employees

Indemnification

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

• Your use of our services in violation of these terms
• Your violation of any applicable laws or regulations
• Your infringement of third-party intellectual property rights
• Any content you provide that violates third-party rights

Governing Law and Jurisdiction

Jurisdiction and Venue

• Governing Law: Laws of India shall govern this agreement
• Jurisdiction: Courts of Bengaluru, Karnataka have exclusive jurisdiction
• Language: English shall be the governing language for all legal proceedings
• Conflict Resolution: Indian law takes precedence over conflicting foreign laws

Dispute Resolution Mechanism

• First Step: Good faith negotiations between parties
• Mediation: Mediation through recognized Indian mediation centers
• Arbitration: Arbitration under the Arbitration and Conciliation Act, 1996
• Court Proceedings: Litigation as a last resort in Bengaluru courts

Consumer Protection Rights

Nothing in this agreement limits your rights under:

• Consumer Protection Act, 2019
• State and National Consumer Dispute Redressal Commissions
• Applicable consumer protection regulations in your state
• Rights related to free digital services

Modifications and Updates

We may modify this Legal Notice and our terms of service from time to time to reflect changes in our services, applicable laws, or business practices.

Modification Process

• Review Schedule: Regular review of terms at least annually
• Legal Updates: Immediate updates for legal compliance requirements
• Service Changes: Terms updated to reflect new features or services
• User Feedback: Modifications based on user feedback and concerns

Notification of Changes

• Website Notice: Prominent notice on our website for 30 days
• Email Notification: Email alerts to registered users for significant changes
• Version Dating: Clear dating of all terms and conditions
• Summary of Changes: Summary of material changes provided

Your Options After Changes

• Continued Use: Continued use constitutes acceptance of modified terms
• Disagreement: Option to discontinue use if you disagree with changes
• Account Deletion: Right to delete optional accounts due to material changes
• Grace Period: Reasonable time to decide on continued use

Material vs. Non-Material Changes

• Material Changes: Changes affecting user rights or core functionality
• Non-Material Changes: Minor clarifications, formatting, or administrative updates
• Enhanced Notice: Material changes receive enhanced notification procedures
• Effective Date: Clear effective dates for all modifications

Legal Contact Information

For legal inquiries, compliance questions, or concerns about this Legal Notice, please contact our legal team using the information below.

When to Contact Legal Team

• Terms Clarification: Questions about this Legal Notice or terms of service
• Compliance Issues: Concerns about regulatory compliance or legal requirements
• Intellectual Property: Copyright, trademark, or patent-related matters
• Data Protection: Privacy concerns or data protection requests
• Business Partnerships: Legal aspects of business collaborations
• Dispute Resolution: Formal dispute resolution procedures

Required Information for Legal Inquiries

When contacting our legal team, please provide:

• Clear description of your legal concern or question
• Relevant account information (if applicable)
• Supporting documentation where applicable
• Your contact information for follow-up
• Preferred resolution or outcome
• Timeline considerations or urgency level

Legal Representation

If you are represented by legal counsel:

• Attorney correspondence should include proper legal letterhead
• Clear statement of attorney-client representation
• Specific legal claims or demands clearly articulated
• Reasonable timeframe for response provided
• Contact information for direct attorney communication

Regulatory Authorities

You may also contact relevant regulatory authorities for specific concerns:

• Consumer Complaints: National Consumer Helpline (1915)
• Cyber Crimes: National Cyber Crime Reporting Portal
• Data Protection: Appropriate Data Protection Authority (when established)
• Digital Services: Relevant IT and digital service authorities