Disclaimer

The information and calculators provided on paisa.io are for educational and informational purposes only. They are not intended to provide, and should not be relied upon for, investment, legal, accounting, or tax advice.

We are not financial advisors, tax consultants, or investment professionals. The tools and information on this website do not constitute professional financial advice and should not be used as the sole basis for making financial decisions.

Our financial calculators are simplified tools that provide estimates based on the inputs you provide. They may not account for all variables that could affect your actual financial situation, including but not limited to:

• Changes in tax laws and regulations
• Market volatility and economic conditions
• Individual circumstances and risk tolerance
• Fees, charges, and penalties not explicitly included in calculations
• Inflation variations beyond standard assumptions
• Changes in interest rates and returns

Results are estimates only and actual outcomes may vary significantly from calculated projections.

Nothing on this website constitutes personalized financial advice. We do not:

• Recommend specific investments, insurance products, or financial strategies
• Provide tax planning or preparation services
• Offer legal or accounting advice
• Make any guarantees about financial outcomes
• Act as your financial advisor or fiduciary

Always consult with qualified professionals including certified financial planners, tax advisors, and legal counsel before making important financial decisions.

While we strive to provide accurate and up-to-date information, we make no warranties regarding:

• Accuracy, completeness, or timeliness of information
• Current tax rates, limits, and regulations (which change frequently)
• Interest rates and market data used in calculations
• Regulatory changes affecting financial products

Tax laws and financial regulations in India change frequently. Always verify current rates, limits, and rules with official government sources or qualified professionals.

To the fullest extent permitted by applicable law, paisa.io and its operators shall not be liable for:

• Any financial losses or damages arising from use of our calculators or information
• Decisions made based on calculations or information provided
• Errors, omissions, or inaccuracies in calculations or content
• Technical issues, downtime, or interruptions in service
• Third-party content or external links

Use this website at your own risk. We provide these tools as-is without any warranties, express or implied.

Our calculators are designed primarily for Indian residents and use Indian tax laws and financial regulations. However:

• Tax calculations are simplified and may not cover all scenarios
• We do not account for state-specific variations in taxes
• NRI (Non-Resident Indian) tax implications are not fully addressed
• Professional tax and other local taxes may not be included
• SEBI regulations and compliance requirements are not covered

Consult with a chartered accountant or tax advisor familiar with your specific situation and the latest Indian tax laws.

We provide no guarantees that:

• Investment returns will match calculated projections
• Tax savings will be realized as calculated
• Financial goals will be achieved using our projections
• Loan EMI calculations match bank offerings exactly
• The website will be available without interruption

Past performance does not indicate future results. All investments carry risk of loss.

By using paisa.io, you acknowledge and agree that:

• You will verify all calculations independently
• You will consult qualified professionals for important financial decisions
• You understand the limitations and assumptions of our calculators
• You will not rely solely on our tools for financial planning
• You accept full responsibility for your financial decisions

We reserve the right to modify or update this disclaimer at any time without prior notice. Your continued use of the website after any changes constitutes acceptance of the updated terms.

Last updated: January 2025