Welcome to SIP Calculator (https://mysipcalc.in). By accessing and using this website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website.
1. Acceptance of Terms
By using SIP Calculator ("the Website," "the Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, along with our Privacy Policy. These terms apply to all visitors, users, and others who access or use the Service.
2. Description of Service
SIP Calculator provides free online financial calculators including:
- SIP (Systematic Investment Plan) Calculator – Estimates future value of regular monthly investments
- Lumpsum Calculator – Estimates returns on one-time investments
- Step-up SIP Calculator – Estimates returns with annual investment increases
These tools are provided for informational and educational purposes only.
3. Disclaimer – Not Financial Advice
IMPORTANT: The information and calculations provided on this website do NOT constitute financial advice, investment advice, trading advice, or any other form of professional advice. Specifically:
- The calculator provides estimates only based on the inputs you provide and assumed rates of return
- Actual investment returns may vary significantly from estimates due to market conditions, fees, taxes, and other factors
- Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing
- Past performance of mutual funds is not indicative of future results
- The calculator does not account for taxes, exit loads, expense ratios, inflation, or fund-specific charges
You should always consult a qualified financial advisor or SEBI-registered investment advisor before making any investment decisions.
4. Accuracy of Information
While we strive to provide accurate calculations using industry-standard financial formulas, we make no warranties or guarantees regarding:
- The accuracy, completeness, or reliability of the calculations
- The accuracy of any informational content on the website
- The uninterrupted or error-free operation of the website
Users are responsible for verifying all calculations independently before making any financial decisions.
5. User Responsibilities
When using this website, you agree to:
- Use the website only for lawful purposes
- Not attempt to disrupt, hack, or interfere with the website's operation
- Not scrape, copy, or reproduce the website content without permission
- Not use automated tools (bots) to access the website excessively
- Verify all calculator results independently before making financial decisions
- Use the calculator results as estimates only and not as guaranteed outcomes
6. Intellectual Property
All content on this website, including but not limited to text, graphics, logos, user interface design, calculator code, and visual elements, is the property of SIP Calculator and is protected by applicable intellectual property laws.
You may not:
- Copy, modify, or distribute the website's source code
- Create derivative works based on the website
- Use the website's branding, logo, or design elements without written permission
- Frame or embed the website on another site without authorization
7. Limitation of Liability
To the fullest extent permitted by law, SIP Calculator and its creators shall not be liable for:
- Any financial losses arising from reliance on calculator results
- Any investment decisions made based on information provided on this website
- Any indirect, incidental, special, consequential, or punitive damages
- Any loss of data, profits, or goodwill
- Any errors, bugs, or inaccuracies in the calculations
Your use of the website and any reliance on its content is entirely at your own risk.
8. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party websites. Accessing external links is at your own risk.
9. Availability
We do not guarantee that the website will be available at all times. We reserve the right to:
- Modify or discontinue the service at any time without notice
- Perform maintenance that may temporarily make the website unavailable
- Update calculator features, formulas, or interface without prior notice
10. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of India. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the courts in India.
11. Changes to Terms
We reserve the right to update or modify these Terms and Conditions at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after any changes constitutes acceptance of the new terms.
12. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
13. Contact Us
If you have questions about these Terms and Conditions, please contact us through our Contact Page or visit https://mysipcalc.in.