Terms of Use
Effective Date & Last Updated: October 22, 2026
The short version (the full terms below still apply):
- PocketSense is a free, personal personal finance and utility calculator website. It is not an advisory firm, financial institution, or team of professionals.
- Strictly for India: All tools and guides are calibrated solely for users residing in the Republic of India.
- Content and calculators may be created using internet tools and AI, are unverified, and may contain inaccuracies or outdated figures.
- Nothing on this site is financial, investment, tax, or legal advice. PocketSense is not SEBI-registered. Always consult a qualified CA or SEBI-registered advisor.
- Everything is provided strictly “AS IS” with zero liability (INR 0.00).
1. About PocketSense.in and Acceptance of Terms
PocketSense.in (accessible at https://pocketsense.in, the “Service” or “Website”) is a personal finance and utility calculator website operated by PocketSense (“we”, “us”, or “our”).
By accessing the Website, browsing articles, or utilizing any of our financial calculators, you agree to be bound by these Terms of Use (“Terms”) and our Privacy Policy. If you do not agree to these Terms, you must discontinue use of the Website immediately.
2. Geographic Scope: Strictly for India
- India-Only Focus: PocketSense.in, its calculators, tax regime comparisons, interest models, and personal finance utilities are created and calibrated strictly and solely for users residing in the Republic of India.
- Worldwide Public Visibility: While web pages may be accessible globally via the internet, we make no representation that the content or tools comply with the laws, tax regimes, or financial rules of any jurisdiction outside India. Foreign visitors access the Website entirely at their own risk and initiative.
3. Educational Purpose Only; Built Using Internet Tools & AI
- Purely Educational: All calculators, formulas, articles, comparisons, and guides published on PocketSense.in are developed and provided strictly for informational and educational purposes.
- Use of Internet Tools and AI: Content, computational models, and explanations on this Website may be created, assembled, or maintained using automated internet tools, third-party software libraries, and Artificial Intelligence (AI).
- Potential Inaccuracies and No Guarantee of Updated Data: Financial rules, tax slabs, interest rates, and regulations change frequently. The data, formulas, and figures presented on this Website may be inaccurate, incomplete, estimated, or out of date. We make no commitment, warranty, or guarantee to provide updated, real-time, or error-free data.
4. Mandatory Professional Consultation; No SEBI Advisory
- Consult a Qualified Advisor: PocketSense.in is not a substitute for professional financial, investment, legal, tax, or accounting advice. You must never make investment, borrowing, or tax-filing decisions based solely on calculations or content found on this Website. You must independently consult a SEBI-registered Investment Adviser (RIA), Chartered Accountant (CA), or qualified financial professional before executing any transaction or financial commitment.
- No SEBI Registration: PocketSense is NOT registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser (IA), Research Analyst (RA), or Portfolio Manager under the SEBI (Investment Advisers) Regulations, 2013 or any other statutory authority. Nothing on this Website constitutes an offer, solicitation, or recommendation to buy, sell, or hold any security, mutual fund, or financial product.
5. Calculator Assumptions and Numerical Limitations
- Hypothetical Estimates: All calculator outputs (including SIP, SWP, Mutual Fund returns, FD, RD, EMI, and Income Tax estimates) are mathematical approximations based on the assumptions and parameters you choose to input.
- Omissions: Calculations do not account for market volatility, real-world fee structures, expense ratios, brokerage costs, exit loads, surcharge variations, TDS deductions, or unexpected amendments in Union Budget tax provisions.
6. Third-Party Advertisements and External Links
The Website may display automated advertisements served by third-party networks (such as Google AdSense) or links to external financial platforms.
We do not endorse, sponsor, guarantee, or assume responsibility for any product, service, loan, investment, or rate offered by third-party advertisers or linked sites. Any transaction you enter into with a third party is strictly between you and that third party.
7. Absolute Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE, ITS CALCULATORS, ARTICLES, CODE, AND TOOLS ARE PROVIDED STRICTLY ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, FREEDOM FROM PROGRAMMING ERRORS, OR NUMERICAL ACCURACY. WE MAKE NO WARRANTY THAT THE CALCULATORS WILL OPERATE UNINTERRUPTED OR MEET YOUR FINANCIAL REQUIREMENTS.
8. Exclusion of Responsibility for Loss; Zero Liability
Zero Responsibility for Financial Loss:
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, POCKETSENSE SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY LOSSES OR DAMAGES OF ANY KIND ARISING FROM YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE. THIS INCLUDES, WITHOUT LIMITATION:
- ANY LOSS OF CAPITAL, INVESTMENTS, SAVINGS, OR PROFITS;
- ANY TAX DEFICIENCIES, REASSESSMENTS, PENALTIES, OR INTEREST IMPOSED BY THE INCOME TAX DEPARTMENT OR REVENUE AUTHORITIES;
- ANY MISCALCULATIONS, FINANCIAL DECISIONS, LOAN UNDERWRITING ISSUES, OR RELIANCE PLACED UPON WEBSITE OUTPUTS; OR
- ANY ERRORS, OMISSIONS, OUTDATED DATA, OR INACCURACIES RESULTING FROM AI OR INTERNET TOOLS.
Liability Capped Exclusively to Amount Paid:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS, DISPUTES, OR DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE WEBSITE SHALL BE STRICTLY LIMITED TO THE ACTUAL MONETARY AMOUNT, IF ANY, PAID BY YOU DIRECTLY TO POCKETSENSE FOR ACCESSING OR USING THE SERVICE IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM. BECAUSE POCKETSENSE IS A FREE WEBSITE AND DOES NOT CHARGE ANY SUBSCRIPTION OR ACCESS FEES, OUR TOTAL AGGREGATE LIABILITY TO YOU SHALL BE ZERO (INR 0.00).
9. Acceptable Use
You agree not to scrape, crawl, harvest, or duplicate our calculators or site content using automated scripts, scrapers, or bots without prior written consent. You agree not to disrupt server security, upload malicious payloads, or frame the Website within other commercial platforms without authorization.
10. Governing Law, Jurisdiction, and Inquiries
- Governing Law: These Terms shall be governed by and interpreted under the laws of the Republic of India.
- Exclusive Jurisdiction: Subject to mandatory consumer protection laws that cannot be waived, any dispute arising under these Terms shall be submitted to the exclusive jurisdiction of the competent courts situated in Ahmedabad, Gujarat, India.
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Inquiries & Error Reports: If you detect a calculation bug or outdated formula, you may report it to:
Contact: PocketSense
Email: contact@pocketsense.in