Terms of Service

Acceptance of Terms

By using this SIP Calculator, you agree to our terms and conditions. These Terms of Service ("Terms") govern your use of the SIP Calculator website located at sipcalculator.app ("Service") operated by SIP Calculator ("us", "we", or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

Description of Service

SIP Calculator is a free online tool that helps users calculate returns on Systematic Investment Plan (SIP) investments. Our service includes:

• SIP calculation tools and projections
• Interactive charts and visualizations
• Educational content about SIP investments
• Multi-language support
• Mobile-responsive interface

User Responsibilities

Appropriate Use

You agree to use the Service only for lawful purposes and in a way that does not infringe the rights of others or restrict their use of the Service. Prohibited uses include:

• Using the Service for any illegal or unauthorized purpose
• Attempting to interfere with or disrupt the Service
• Using automated tools to access the Service excessively
• Attempting to gain unauthorized access to our systems
• Sharing harmful, offensive, or inappropriate content

Accuracy of Information

You are responsible for ensuring that any information you provide is accurate, current, and complete. You agree to update information as necessary to maintain its accuracy.

Disclaimers and Limitations

Investment Disclaimer

Accuracy of Calculations

While we strive to provide accurate calculations, we cannot guarantee that the results will be error-free or suitable for your specific situation. The calculator:

• Uses standard mathematical formulas for SIP calculations
• Does not account for taxes, fees, or market volatility
• Assumes constant returns, which may not reflect real-world conditions
• Should be used as a starting point for financial planning, not as definitive projections

Service Availability

We strive to maintain the Service's availability but do not guarantee uninterrupted access. We may temporarily suspend or restrict access for maintenance, updates, or technical issues.

Intellectual Property Rights

Our Rights

The Service and its original content, features, and functionality are owned by SIP Calculator and are protected by intellectual property laws. This includes:

• Website design and layout
• Calculation algorithms and methodologies
• Text content and educational materials
• Graphics, logos, and visual elements
• Software code and technical implementations

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes in accordance with these Terms.

Restrictions

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Create derivative works based on our Service
• Reverse engineer or attempt to extract source code

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Data Processing

Key points about data processing:

• SIP calculations are performed locally in your browser
• We do not store your investment amounts or calculation results
• We may collect usage analytics to improve our Service
• Contact information is collected only when you reach out to us

Limitation of Liability

To the fullest extent permitted by applicable law, SIP Calculator shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or use
• Investment losses based on calculator results
• Business interruption
• Cost of substitute goods or services

Our total liability for any claims arising from or related to the Service shall not exceed $100 or the amount you paid to use the Service (which is $0 for free users).

Indemnification

You agree to defend, indemnify, and hold harmless SIP Calculator, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Investment decisions made based on calculator results

Modifications to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will:

• Update the "Last updated" date at the top of this page
• Notify users of significant changes through the website
• Provide reasonable notice before changes take effect

Your continued use of the Service after changes become effective constitutes acceptance of the modified Terms.

Termination

Your Right to Terminate

You may stop using our Service at any time. No formal termination notice is required.

Our Right to Terminate

We may suspend or terminate your access to the Service immediately, without prior notice, if you:

• Violate these Terms
• Use the Service in a way that could damage or impair it
• Engage in unlawful or fraudulent activities
• Violate the rights of others

Effect of Termination

Upon termination, your right to use the Service will cease immediately. Provisions that by their nature should survive termination will continue in effect.

Governing Law and Dispute Resolution

Governing Law

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms or your use of the Service will be resolved through:

1. Informal Resolution: Contact us first to try to resolve the issue amicably
2. Mediation: If informal resolution fails, disputes may be resolved through mediation
3. Arbitration: Binding arbitration as a final resort, conducted in accordance with applicable arbitration rules

Miscellaneous

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and SIP Calculator regarding the Service.

No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Assignment

We may assign our rights and obligations under these Terms to any third party. You may not assign your rights under these Terms without our prior written consent.

Contact Information

If you have any questions about these Terms of Service, please contact us at: