Terms of Use
Plain terms, in plain language.
What you get
The calculators and the financial health check are free, with no account and no usage limits. We intend to keep them that way.
A Premium subscription (₹4,999 a year, or ₹599 a month) adds the full financial intake, the detailed analysis, a recorded plan, ongoing tracking of how far you have drifted from it, and a periodic review.
What this service is not
This is an educational and organisational service. It does not constitute investment advice under SEBI regulations, does not recommend specific securities or products, and does not execute transactions. Every decision remains yours.
Billing and cancellation
- Subscriptions renew automatically until you cancel.
- You can cancel at any time from your account page, in one click, with no retention flow and no phone call.
- Cancelling takes effect at the end of the period you have already paid for.
- Your data is never held hostage. After a subscription lapses, everything you entered stays readable and exportable — you simply cannot edit it until you resubscribe.
- A GST invoice is issued for every payment and is available in your account.
Your responsibilities
The analysis is only as accurate as what you enter. Keep your credentials to yourself, and tell us promptly if you believe someone else has access to your account.
Limits of liability
We provide information and tools. Investment decisions and their outcomes are yours. We are not liable for investment losses, for market movements, or for decisions taken on the basis of projections that — as stated throughout — assume constant rates that reality does not supply.
Account deletion
You can delete your account at any time; it is immediate and permanent. We also delete dormant accounts after 24 months of inactivity, with email warnings beforehand.