Disclaimer

Vittarthi ("we," "us," "our") operates vittarthi.com as a free educational platform. The information, tools, and content provided on this Website are offered in good faith for general educational purposes. We do not represent that any information is complete, accurate, up-to-date, or suitable for any specific purpose.

Your use of this Website and any reliance you place on any information provided on it is entirely at your own risk. Vittarthi, its owners, employees, contributors, and affiliates shall not be held responsible for any loss or damage — financial or otherwise — arising from or in connection with your use of this Website.

This Disclaimer applies to all pages, calculators, blog articles, guides, case studies, market data, news content, and any other material available on vittarthi.com or its subdomains. By using this Website, you accept this Disclaimer in full. If you do not accept this Disclaimer, do not use the Website.

Our financial calculators use standard mathematical formulas and generally accepted financial models. The results they produce are mathematical estimates based on the values you input — they are not predictions, guarantees, or personalised recommendations.

This Website does not:

• Constitute an offer or solicitation to buy, sell, or subscribe to any financial product or security
• Provide personalised investment, insurance, or tax advice
• Manage any investment portfolio or financial product on your behalf
• Guarantee returns on any investment
• Represent the views of SEBI, RBI, IRDAI, AMFI, EPFO, NPS Trust, or any regulatory body

If you require personalised financial advice, please consult:

• A SEBI-registered Investment Adviser (RIA) for investment planning
• A SEBI-registered Portfolio Manager for portfolio management services
• A Chartered Accountant (ICAI member) for tax and accounting advice
• An IRDAI-registered insurance agent or broker for insurance decisions
• A Certified Financial Planner (CFP) for comprehensive financial planning

All financial investments carry risk. Content on this Website that references investments — including mutual funds, SIP, equity, NPS, or any other market-linked instrument — is subject to the following important risk disclosures:

• Market risk: The value of market-linked investments may go up or down depending on market conditions, economic factors, geopolitical events, and other variables beyond anyone's control.
• Past performance: Historical returns shown or referenced on this Website are for illustrative purposes only. Past performance is not indicative of future results. Returns can be negative.
• Inflation risk: Even "safe" instruments like FDs may deliver negative real returns when inflation exceeds the interest rate. Our calculators may use fixed inflation assumptions that differ from actual future inflation.
• Interest rate risk: Floating-rate loan EMIs may change if market rates change. Calculator results for floating-rate loans assume the input rate remains constant, which may not be the case.
• Liquidity risk: Some instruments (PPF, NPS, EPF) have lock-in periods and withdrawal restrictions that may affect your access to funds. Our calculators do not model liquidity constraints.
• Regulatory risk: Tax benefits, interest rates, and rules for PPF, NPS, EPF, and other government schemes are set by the Government of India and may change without notice.

Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

Tax laws in India are complex, subject to frequent change, and highly dependent on individual circumstances. Any tax-related information on this Website — including deductions under 80C, 80CCD, HRA exemptions, LTCG, or any other provision — is provided for general educational purposes only.

Our calculators and articles may:

• Reflect tax rules as of a specific date that may since have been amended by a Finance Act or notification
• Present simplified scenarios that do not account for surcharge, cess, alternative minimum tax, or other levies
• Not reflect the most recent CBDT circulars, amendments, or judicial interpretations
• Not account for state-specific taxes such as Professional Tax variations across different states

Tax computations, ITR filing decisions, and tax planning should always be done in consultation with a qualified Chartered Accountant or tax professional who can consider your complete financial picture and the most current law.

We make reasonable efforts to ensure the accuracy and timeliness of the content on this Website. However, we cannot guarantee that all information is current, complete, or free from errors at the time you read it.

Specifically:

• Interest rates (EPF, PPF, small savings schemes) are declared by the Government quarterly and may differ from values used in our calculators or articles.
• Market data (if shown) is provided for illustrative purposes and may be delayed. We do not provide real-time market data.
• Policy information (EPFO rules, NPS regulations, Income Tax Act provisions) may have been updated after the publication date of any article.
• Third-party rates (bank loan rates, insurance premiums) change frequently. Always confirm with your specific lender or insurer.

We periodically review and update our calculators and content, but we make no commitment to update any specific article or tool within any particular timeframe. The publication or "last updated" date on any content indicates when it was last reviewed, not that it reflects the most current information at the time you read it.

This Website contains links to third-party websites including government portals (RBI, SEBI, EPFO, NPS Trust, IRDAI, CIBIL), financial institutions, educational resources, and other external sites. These links are provided for informational convenience only.

Vittarthi does not control, endorse, or accept any responsibility for the content, privacy practices, accuracy, or services of any linked third-party website. The inclusion of a link does not imply our endorsement of that site or any products, services, or information it offers.

Links to government and regulatory sites (SEBI, RBI, EPFO) are provided to help users access official information. We do not represent that those sources are always up-to-date or that their information is complete.

You access all external links at your own risk. We recommend reviewing the terms, privacy policy, and disclaimer of any site you navigate to from this Website.

If you find an error in any calculator, article, or content on this Website, or if you have questions about this Disclaimer, please contact us. We take accuracy seriously and will investigate and correct genuine errors as quickly as possible.

While we are not obligated to correct every factual disagreement, we welcome all good-faith feedback that helps us improve the quality and accuracy of our educational content.