Terms of Use

Welcome to Pocketsense ("we," "our," or "us"). By accessing or using our website located at pocketsense.in and any associated calculators, tools, guides, and content, you agree to comply with and be bound by these Terms of Use. If you do not agree to these terms, please do not use our services.

1. Educational & Informational Purpose Only

All calculators, algorithms, articles, guides, formulas, and estimates provided on Pocketsense are strictly for educational and informational purposes only.

• Pocketsense is not a SEBI-registered investment advisor, tax practitioner, chartered accountant, or licensed financial planner.
• Calculations generated by our tools (such as SIP returns, XIRR, EMI schedules, HRA tax exemptions, Capital Gains liabilities, and Tax Regime comparisons) rely on user inputs and simplified mathematical models. They should not be relied upon as binding advice or official tax statements.
• Financial laws, tax slabs (e.g. Indian Income Tax Act), interest rates, and regulatory guidelines change periodically. You are strongly advised to consult a certified financial advisor or tax expert before making financial decisions.

2. Client-Side Processing & Data Ownership

Pocketsense prioritizes user privacy. Most calculations are executed directly within your browser (client-side JavaScript). We do not store your private input values, loan amounts, salary numbers, or financial targets on our servers. You retain complete control and ownership over your data.

3. Intellectual Property Rights

All original text, tool designs, article content, custom graphic elements, logos, and code on Pocketsense are the property of Pocketsense and are protected by applicable copyright and intellectual property laws. You may not reproduce, republish, mirror, or distribute our written content or tools without prior written permission.

4. Limitation of Liability

Under no circumstances shall Pocketsense, its contributors, or maintainers be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your reliance on any output, error, or omission from our financial calculators or blog articles.
• Any investment losses, tax penalties, interest accruals, or loan disputes incurred as a result of using information on this site.
• Temporary downtime or technical interruptions to the website.

5. Third-Party Links & Advertising

Pocketsense may contain links to external third-party websites (such as official portals of the Reserve Bank of India, Income Tax Department, SEBI, or educational resources) as well as third-party advertisements (such as Google AdSense). We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites or services.

6. Modifications to Terms

We reserve the right to revise these Terms of Use at any time without prior notice. Any updates will be effective immediately upon posting to this page. Your continued use of the website following changes constitutes your acceptance of the modified terms.

7. Contact Information

If you have any questions regarding these Terms of Use, please reach out to us at contact@pocketsense.in or visit our Contact Us page.