Disclaimer

1. General Information Only

All calculators, tools, articles, guides, examples, charts and other material on pocketsense.in (the "Site") are provided for general educational and informational purposes only. They are generic in nature and do not take into account your personal objectives, financial situation, tax position, residency status, risk profile or needs.

2. Not Financial, Investment, Tax or Legal Advice

Nothing on the Site is financial, investment, tax, accounting, legal, insurance or credit advice, or a recommendation to buy, sell or hold any security, mutual fund, loan, insurance policy or other product. Pocketsense is not:

• a SEBI-registered Investment Adviser, Research Analyst, stockbroker or portfolio manager;
• an AMFI-registered mutual fund distributor, an IRDAI-licensed insurance agent or broker, or a PFRDA intermediary;
• a bank, NBFC or lender, or an RBI-regulated entity;
• a chartered accountant, tax return preparer, tax practitioner or lawyer.

3. No Verification or Expert Review

Pocketsense is run by an individual, not by an editorial team or panel of experts. Content is prepared from general knowledge and publicly available information and may be drafted with the help of software, including automated or AI writing tools. It is not independently fact-checked, verified, tested or reviewed by any qualified professional before or after publication. Words like "guide", "complete", "accurate" or "updated" describe intent, not a guarantee.

4. Calculators Are Estimates Only

Calculator results are mathematical estimates based on the inputs you provide and on simplified assumptions. In particular:

• Formulas may contain bugs, rounding differences or errors, and may not handle every case (for example surcharge, cess, marginal relief, indexation, grandfathering, set-off and carry-forward of losses, or special rates).
• Tools may not include fees, charges, GST, stamp duty, exit loads, processing fees, penalties, interest under Sections 234A/B/C, or product-specific terms.
• Results may differ materially from those of your bank, lender, fund house, insurer, employer, the Income Tax Department or any official utility.
• Projected returns are hypothetical. Past performance and assumed rates of return do not guarantee future results. Investments in securities are subject to market risks, and you may lose money.

Do not use any Pocketsense output as the basis for filing an income tax return or any schedule (including Schedule FA), paying advance tax, signing a loan, or making any investment or insurance decision.

5. Laws and Rates Change

Tax laws, slabs, deductions, exemptions, interest rates, regulations and product rules in India change frequently, often with retrospective effect or at short notice. Content on the Site may not reflect the latest Finance Act, Budget, CBDT circular, notification, RBI or SEBI direction, or court decision. Dates on articles show when they were published or edited, not that they were accurate on that date.

6. Verify Before You Act

Before acting on anything you read or calculate here, check it against primary sources such as incometax.gov.in, rbi.org.in, sebi.gov.in and the documents of the product provider, and consult a qualified, appropriately registered professional who knows your circumstances.

7. Use Entirely at Your Own Risk

You use the Site and rely on its content entirely at your own risk. To the maximum extent permitted by law, Pocketsense and its operator accept no responsibility or liability for any loss, damage, tax demand, penalty, interest, missed deadline, investment loss or other consequence, direct or indirect, arising from the use of or reliance on the Site, any error or omission in it, or any decision you make based on it. The full limitation of liability and indemnity are in our Terms of Use.

8. Advertisements, Affiliate and External Links

The Site displays third-party advertisements (including Google AdSense) and links to external websites, and may in future contain affiliate links for which we may earn a commission. Ads are chosen by third parties, not by us. The appearance of any ad, link, brand, product or company on the Site is not an endorsement, recommendation or verification by Pocketsense. Any product names, brands or examples mentioned in articles are for illustration only.

9. No Guarantee of Availability

The Site may be unavailable, changed or removed at any time without notice. We do not guarantee that any tool, article or result will remain available, and we are not responsible for keeping copies of anything you produce with the Site.

10. Reporting Errors

If you spot an error, please tell us at contact@pocketsense.in. We may, but are not obliged to, correct it, and reporting an error does not make us responsible for it.

This Disclaimer forms part of, and should be read together with, our Terms of Use and Privacy Policy. By using the Site, you accept it.