Terms of Service

By accessing, browsing, or utilizing SIPCalculator.app (the "Service", "we", "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, along with our Privacy Policy and Financial Disclaimer. If you do not agree to these terms, please do not use the Service.

The calculation engines, graphs, tables, and comparative analyses on SIPCalculator.app are provided solely for educational, heuristic, and general illustrative purposes.

SIPCalculator.app is NOT a Securities and Exchange Board of India (SEBI) Registered Investment Advisor (RIA), Research Analyst, Portfolio Manager, or Mutual Fund Distributor.

None of the outputs generated by our calculators should be construed as individualized financial, legal, tax, or investment advice. You should consult a qualified SEBI-registered financial planner before executing any financial transaction.

You agree to use the Service only for lawful personal and professional purposes. You agree NOT to:

• Deploy automated scrapers, spiders, or bots to overwhelm or degrade system infrastructure.
• Attempt to reverse-engineer or inject malicious code into client-side scripts.
• Frame, embed, or misrepresent SIPCalculator.app as your own proprietary commercial software without attribution.

While we make every effort to ensure our financial mathematics algorithms are robust, verified, and transparent:

• All mutual fund returns are simulations based on constant hypothetical annualized rates. Real-world financial markets experience volatility, non-linear sequence of returns, drawdowns, and fluctuating yields.
• Results do not account for mutual fund expense ratios (TER), exit loads, transaction charges, or securities transaction tax (STT) unless explicitly stated.
• We make no warranties, express or implied, regarding the mathematical fitness of any simulation for your specific personal financial decisions.

All software code, user interface designs, visual brand assets, text content, illustrations, and mathematical formula reconciliations on SIPCalculator.app are the intellectual property of the project, protected under applicable copyright and intellectual property laws.

To the maximum extent permitted under applicable law, SIPCalculator.app and its contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of, or inability to use, our financial calculators or content.

These Terms shall be governed by and construed in accordance with the laws of the Republic of India. Any legal disputes arising in connection with the Service shall be subject to the exclusive jurisdiction of the competent courts in India.