Terms of Use

1. Accepting these terms

By using FinPlann, including its calculators, financial planner, AI features and adviser tools, you agree to these Terms of Use and our Privacy Policy. If you don't agree, please don't use FinPlann. These terms apply to everyone, including advisers using FinPlann for their work. You must be at least 18 to create an account.

2. What FinPlann is

FinPlann is financial planning software. It offers:

• Investment, loan, tax and retirement calculators.
• A financial planner for income, expenses, investments, goals, insurance and SIPs.
• AI features: the AI action plan and FinChat.
• Tools for advisers to plan with their clients.

Everything is provided for education and information. Results are projections from the numbers and assumptions you enter, not guaranteed outcomes.

3. No financial or investment advice

FinPlann is not a SEBI-registered investment adviser, a stockbroker or a licensed financial planner. Nothing on FinPlann is personal investment advice, a portfolio recommendation, tax or legal advice, or a promise of returns.

AI features. The AI action plan and FinChat use artificial intelligence to work through the numbers you enter, following standard planning steps such as cash flow, emergency fund, insurance and goal funding. For personal accounts they don't recommend specific securities, mutual funds, fund categories or asset allocations, and they don't tell you what to buy, sell, hold or switch. AI output can be incomplete or wrong, so check it before relying on it. Decisions about your money remain yours.

What subscriptions pay for. Paid plans pay for access to software features and usage limits. They don't create an advisory, fiduciary or client relationship between you and FinPlann.

Please speak to a qualified, SEBI-registered professional before any significant financial decision. See our investment guidelines.

4. Subscriptions and billing

• Paid plans are billed in US dollars through Stripe, monthly or yearly, and renew automatically until you cancel.
• You can cancel any time from your profile. You keep paid features until the end of the period you've paid for, and you won't be charged again.
• We don't normally refund part of a period. If you were charged by mistake, contact us and we'll put it right.
• If a payment fails and can't be collected, paid features stop.
• We may change prices or plan limits. Price changes apply from your next billing period, and we'll tell you before they take effect.

5. Your responsibilities

When you use FinPlann, you agree to:

• Enter information as accurately as you can.
• Keep your login details private and not share your account.
• Use FinPlann only for lawful personal or professional purposes.
• Not reverse-engineer, scrape, overload or abuse FinPlann or its APIs.
• Not use FinPlann to harm, deceive or defraud anyone.

Adviser accounts. You confirm that you hold the registration your advice requires, for example SEBI registration as an investment adviser, or a valid exemption from it. You are solely responsible for any advice you give your clients, including advice based on AI drafts, fund-category suggestions or reports produced in FinPlann. Review them before sharing, and disclose your use of AI tools to clients as SEBI requires. You are also responsible for handling client data in line with applicable law, and for keeping the records your regulator requires.

6. Your data and our content

The information you enter stays yours; we use it only as our Privacy Policy describes. FinPlann's software, design, calculator logic and written content belong to FinPlann. Please don't copy, redistribute or use them commercially without permission. You may quote and link to our guides with attribution.

7. Suspending or closing accounts

You can delete your account at any time from your profile. We may suspend or close an account that breaks these terms, harms other users or FinPlann, or is used for fraud. If we close a paid account without good cause, we'll refund the unused part of the period.

8. Limitation of liability

FinPlann is provided "as is", without warranties of any kind. As far as the law allows, FinPlann and its operators aren't liable for any direct, indirect, incidental or consequential loss arising from:

• Relying on calculator results, plans, projections or AI output.
• Investment or other financial decisions made using FinPlann.
• Service interruptions, data loss or technical errors.

Where liability can't be excluded, it is limited to the amount you paid FinPlann in the 12 months before the claim.

9. Governing law and changes

These terms are governed by the laws of India, and disputes are subject to the jurisdiction of the courts of India. We may update these terms; we'll change the date at the top and tell you by email about significant changes. If you keep using FinPlann after a change, the updated terms apply.

Questions about these terms? Email hello@finplann.com. We reply within 2 business days.