Legal Notice

Acceptance of Terms

This Legal Notice constitutes a binding agreement between you and Plan My Money regarding your use of our free financial calculator platform and related services.

Who Can Use Our Services

• Users must be at least 18 years old or have parental consent
• Must have legal capacity to enter binding agreements
• Services primarily intended for users in India
• Must comply with all applicable laws
• Must use services honestly and for legitimate purposes

Service Description

Plan My Money provides free financial calculators and educational tools designed to help users understand and plan their finances effectively.

Service Characteristics

• 100% Free: All features completely free with no hidden charges
• Educational Purpose: Tools for educational and informational purposes
• No Financial Advice: We do not provide personalized financial advice
• Calculation Estimates: Results are estimates based on inputs

User Rights and Responsibilities

Prohibited Uses

• Illegal activities or fraudulent purposes
• Attempting to hack or disrupt systems
• Unauthorized access to accounts or data
• Uploading malicious code
• Reselling services without authorization
• Automated data extraction

Intellectual Property Rights

All content, features, and functionality are protected by intellectual property laws.

Our Intellectual Property

• Website content, graphics, logos, and images
• Calculator algorithms and user interfaces
• Plan My Money trademarks and brand elements
• Educational materials and articles

Permitted Uses

• Use calculators for personal financial planning
• Share calculation results for personal discussions
• Reference educational content with attribution
• Create links to publicly accessible pages

Prohibited Uses

• Copy or distribute proprietary content
• Reverse engineer calculator algorithms
• Use trademarks without permission
• Create derivative works
• Embed calculators without authorization

Limitation of Liability

Plan My Money's liability for our free services is limited as set forth below.

Types of Damages Excluded

• Indirect, consequential, or punitive damages
• Investment losses based on calculator results
• Business interruption or lost profits
• Data loss due to technical failures
• Third-party actions or force majeure events

Maximum Liability

• No monetary liability for users of free services
• Maximum liability limited to ₹1,000 for any claims
• Claims must be brought within one year

Governing Law and Jurisdiction

This agreement is governed by Indian laws with exclusive jurisdiction in Bengaluru, Karnataka courts.

Applicable Laws

• Information Technology Act, 2000
• Consumer Protection Act, 2019
• Indian Contract Act, 1872
• Relevant digital service regulations

Dispute Resolution

• First Step: Good faith negotiations
• Mediation: Through recognized mediation centers
• Arbitration: Under Arbitration Act, 1996
• Court Proceedings: Bengaluru courts as last resort

Modifications and Updates

We may modify this Legal Notice to reflect changes in services, laws, or business practices.

Modification Process

• Regular review of terms at least annually
• Immediate updates for legal compliance
• Terms updated for new features or services
• Modifications based on user feedback

Notification of Changes

• Prominent website notice for 30 days
• Email alerts for significant changes
• Clear dating of all terms
• Summary of material changes

Legal Contact Information

For legal inquiries or concerns about this Legal Notice:

When to Contact

• Terms clarification questions
• Compliance issues or concerns
• Intellectual property matters
• Data protection requests
• Dispute resolution procedures