Disclaimer

Read Carefully Before Using Paisa Saarthi

Paisa Saarthi ("Platform") provides financial calculators, tools, and AI-generated information for educational and informational purposes only. The Platform is owned and operated independently and is not affiliated with any government body, bank, or financial institution.

1. Not Financial Advice

The content, calculators, and AI responses provided on Paisa Saarthi do NOT constitute professional financial, investment, legal, or tax advice. We are NOT registered with the Securities and Exchange Board of India (SEBI) as an Investment Advisor, nor are we a Chartered Accountant firm registered with ICAI.

Yeh platform sirf financial education ke liye hai. Hum aapko batate hain ki tools kaise kaam karte hain — par final investment decision aapka hona chahiye, apne advisor ki salah ke saath.

2. Calculators and Projections

All calculators (including SIP, FD Laddering, Budget, Goal, and Retirement) provide mathematical estimates based on user inputs and assumed rates of return. Actual returns in the market or through financial institutions will vary due to market conditions, taxes, fees, and inflation. These tools are indicative only.

Calculator results ko guaranteed returns na samjhein. Ye sirf ek estimate hai jo aapko planning mein madad karta hai. Real returns market conditions, tax changes, aur fees par depend karte hain.

3. AI Responses

The AI Chat feature provides automated, generalized responses based on financial principles. It cannot understand your complete financial situation. Do not make investment decisions solely based on AI responses.

AI se mili jaankari generic hoti hai aur har individual ki situation alag hoti hai. AI kabhi-kabhi galat ya outdated information de sakta hai. Hamesha cross-verify karein.

4. Government Scheme Information

Paisa Saarthi par di gayi sarkari yojanaon ki jaankari publicly available sources se li gayi hai. Hum ise samay-samay par update karte hain, lekin government policies mein badlaav ho sakta hai. Latest aur official information ke liye hamesha respective government department ki website dekhein.

5. Limitation of Liability

Paisa Saarthi and its creators shall not be held liable for any financial losses, damages, or decisions made based on the information or tools provided on this website. Users assume full responsibility for their financial choices.

Agar aap humari information ke basis par koi financial decision lete hain aur usmein loss hota hai, toh uski zimmedaari aapki hogi. Hum kisi bhi prakar ke direct ya indirect loss ke liye liable nahi hain.

6. Third-Party Links

Humari website par third-party links ho sakte hain (jaise government websites, bank websites, etc.). In external websites ke content, privacy practices, ya accuracy ke liye Paisa Saarthi zimmedar nahi hai. Aap apni marzi se in links par jaate hain.

7. Professional Consultation

We strongly recommend consulting a qualified, SEBI-registered financial advisor or a certified Chartered Accountant before making any significant financial decisions or investments.

Koi bhi bada financial decision lene se pehle — chahe mutual fund ho, insurance ho, ya property — ek certified financial advisor se zaroor milein. Paisa Saarthi aapko educated karta hai, par final decision ek professional ke saath lein.