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1. For Educational & Informational Purposes Only

The content, calculators, tools, AI-generated suggestions, blog articles, and any other information provided on FinanceToolkit.online (the "Website") are strictly for educational and informational purposes only. We are not a SEBI-registered investment advisor, financial planner, tax professional, or legal counsel. The information provided is general in nature and is not, and should not be construed as, professional financial, investment, tax, or legal advice tailored to your specific circumstances.

2. No Guarantees of Accuracy

While we make every effort to provide accurate and up-to-date information and calculations, we make no representations, warranties, or guarantees of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Website for any purpose. The results from our calculators (such as Loan EMI, SIP, FD, etc.) are based on standard mathematical formulas and user-provided data. These results should be considered as **approximations and estimates only**. They are not a promise of future returns and may not reflect the exact figures provided by financial institutions, which can be influenced by additional fees, charges, and specific policy terms.

3. Not Financial Advice

Under no circumstances should any information found on this Website be used as a substitute for professional, personalized financial advice. Your financial situation is unique, and any decision should be made only after consulting with a qualified and licensed professional. You are solely responsible for your own financial decisions, research, and actions. Before making any financial commitment, including taking a loan, making an investment, or planning your taxes, we strongly recommend that you seek guidance from a qualified professional (such as a SEBI-registered Investment Advisor, Chartered Accountant, or licensed financial planner) who can assess your individual situation and provide advice accordingly.

4. Investment and Market Risk

All investments, including but not limited to those discussed or calculated on this Website (like SIPs, Lumpsum investments in mutual funds, or stocks), involve a significant degree of risk. There is no guarantee that you will earn any returns, and you may lose some or all of your invested capital. Market conditions, economic factors, political events, and other variables can impact investment performance. **Past performance is not indicative of future results.** We are not responsible for any financial losses, damages, or adverse outcomes you may suffer as a result of acting upon the information or using the tools provided on this Website. Any investment decision you make is solely at your own risk.

5. Limitation of Liability

In no event will FinanceToolkit.online or its owners, employees, or affiliates be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this Website. Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services, or information available through this website meet your specific requirements.

6. AI-Generated Content

Some features on our Website, such as the "AI Budget Advisor," "AI Finance Buddy," and "AI Stock Advisor," use artificial intelligence and large language models to generate suggestions and analysis. This advice is generated by algorithms based on the data you provide and general financial principles. It is not formulated, reviewed, or endorsed by a human financial expert for your specific situation. AI-generated content may contain errors, be incomplete, or not be applicable to your personal circumstances. It should be treated as informational and for educational purposes only. It is not a recommendation to buy, sell, or hold any security or to make any specific financial decision.

7. Third-Party Links

Our Website may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.