Legal Notice
Important disclaimers, limitations, and regulatory position
1. Platform Identity
FinPlann (finplann.com) is a financial software platform providing calculators and planning tools for individual users and financial advisors operating in India.
The platform is operated by the FinPlann team. For queries, contact hello@finplann.com.
2. No Investment Advice Disclaimer
FinPlann does not provide investment, financial, tax, or legal advice. The platform is an educational and planning tool only.
We are not a SEBI Registered Investment Adviser (RIA), a Portfolio Management Service (PMS), or an AMFI-registered mutual fund distributor. Our calculators and planner generate projections based on the inputs and assumptions you provide — not personalised advice.
Nothing on this platform should be treated as a buy/sell recommendation for any security, mutual fund, or other financial product.
3. Calculator Outputs Are Indicative
All calculator results are projections based on mathematical formulas and user-supplied inputs. They assume fixed rates over time, which may not reflect reality. Actual outcomes can differ due to:
- Market volatility — equity mutual funds and stocks are subject to market risk
- Interest rate changes — debt instruments and loan rates fluctuate
- Inflation eroding purchasing power of future corpus values
- Changes in tax laws (LTCG, STCG, indexation benefits, etc.)
- Fund manager decisions, expense ratios, and exit loads
Past performance of any instrument is not a guarantee of future returns.
4. Market Risk Warning
Equity & Stocks
Returns are not guaranteed. Markets can fall significantly. Suitable for high risk tolerance and long horizon (5+ years).
Mutual Funds
Subject to market risk. NAV can go up or down. Equity funds carry higher risk; debt funds carry credit and interest rate risk.
NPS & Pension
Market-linked. Actual corpus at retirement depends on market performance over the accumulation period.
Debt & FDs
Interest rates change over time. Lock-in periods and premature withdrawal penalties may apply.
5. No Guarantees
FinPlann provides no guarantee of:
- Accuracy, completeness, or fitness for purpose of any calculator result
- Continuous or uninterrupted platform availability
- Future financial returns on any instrument
The platform is provided "as is". We are not liable for financial decisions made based on platform outputs.
6. Third-Party Services
FinPlann may reference third-party services for authentication (Google OAuth) and hosting. These operate under their own terms and privacy policies.
Any links to external websites are provided for informational convenience. We do not endorse or take responsibility for content on third-party sites.
Always consult a qualified professional
Before making any major financial decision — investment, insurance, loan, or tax — consult a SEBI RIA, chartered accountant, or certified financial planner.