Legal & Honesty

Terms of Service

No confusing legal labyrinths here. Just the straightforward ground rules, your rights, and our disclaimers for using our financial calculators.

Last updated:

We run the numbers, but we don't predict the future.

Calculatorly is a set of mathematical tools, not a registered financial advisor. The results generated by our SIP, Lumpsum, and Goal Planner calculators are illustrative estimates based on standard formulas. They are not financial advice, and they definitely do not guarantee future returns. Mutual fund investments are inherently subject to market risks.

On this page

  1. 01The Handshake (Agreement to Terms)
  2. 02We Run Numbers, Not Advice
  3. 03Math vs. Reality
  4. 04Ads & Third-Party Links
  5. 05Intellectual Property
  6. 06Limitation of Liability
  7. 07Changes to These Rules

1. The Handshake (Agreement to Terms)

By accessing or using Calculatorly, you are agreeing to these ground rules. If you don't agree with any part of these terms, please feel free to close the tab and discontinue using the service.

2. We Run Numbers, Not Financial Advice

The calculators, articles, and UI tools on Calculatorly are built for educational and planning purposes only. We are developers and math enthusiasts, not SEBI-registered investment advisors, brokers, or financial planners.

Nothing on this website constitutes a formal recommendation to buy, sell, or hold any mutual fund, stock, or financial product. You should always consult with a certified financial planner or tax professional before making major decisions with your hard-earned money.

3. Math vs. Reality (Accuracy of Calculators)

Our calculators generate projections based entirely on the numbers you type into the boxes. If you type in a 15% annual return, the calculator will mathematically show you a 15% return curve.

However, the real Indian stock market does not grow in a perfectly straight, predictable line. Actual returns will fluctuate wildly due to market crashes, inflation, changing taxation laws (like LTCG), and fund exit loads. We provide these tools "as-is" and make no legal warranties regarding their absolute accuracy in predicting your future wealth.

4. Keeping the Lights On (Ads & Links)

To keep Calculatorly completely free for everyone to use, we display advertisements via Google AdSense. We do not personally hand-pick, endorse, or verify the financial products shown in these ads.

If you click an ad and leave our site, we are not responsible for the content, privacy policies, or practices of those third-party websites.

5. Intellectual Property

We put a lot of late nights and hard work into designing this website. The original content, the layout, the calculator logic, and the user interface are the exclusive property of Calculatorly.

Please be respectful: you may not scrape, clone, reproduce, or steal our code and designs to build your own competing platform without our explicit written permission.

6. Limitation of Liability

Because we provide this tool completely free of charge, we need to protect ourselves legally. In no event shall Calculatorly, its creators, or partners be held liable for any indirect, incidental, or consequential damages—including the loss of profits, data, or actual investments—resulting from your use of (or inability to use) our financial tools.

7. Changes to These Rules

We reserve the right to tweak or rewrite these Terms at any time, especially as we add new calculators or features. When we do, we will update the "Last updated" date at the top of the page. Continuing to use the site means you accept the new terms.

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