Terms of Use

By accessing or using vittarthi.com (the "Website"), you confirm that you have read, understood, and agree to be bound by these Terms of Use ("Terms") and our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue use of the Website.

These Terms apply to all visitors, users, and others who access or use the Website, including those who browse calculators, read articles, create accounts, or submit any information through the Website.

These Terms constitute a legally binding agreement between you and Vittarthi under the Information Technology Act, 2000 and the rules made thereunder, including the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.

We reserve the right to change these Terms at any time. Continued use of the Website after any changes constitutes your acceptance of the revised Terms. We will post the updated "Last Updated" date when changes are made.

Vittarthi provides a collection of free online financial calculators, educational articles, and personal finance tools designed to help Indian users understand and plan their finances. The services currently include:

• Investment calculators (SIP, PPF, NPS, EPF)
• Loan calculators (Home Loan, Car Loan, Personal Loan, EMI)
• Income planning tools (Salary Calculator, Retirement Planner)
• Educational content (blogs, guides, case studies)

All services are provided free of charge. No sign-up or registration is required to use any calculator. We reserve the right to modify, suspend, add, or discontinue any service at any time without prior notice.

We do not provide any service that constitutes investment advice, financial planning services, portfolio management, or broking — all of which require registration with the Securities and Exchange Board of India (SEBI) or other regulatory authorities. Vittarthi is not registered with SEBI or any other financial regulatory body in India.

The calculator outputs and figures displayed on this Website are mathematical estimates based on the inputs you provide. They are not:

• A guarantee of any future return, corpus, income, or financial outcome
• A recommendation to invest in, purchase, or avoid any specific financial product
• A projection by any SEBI-registered investment adviser or portfolio manager
• Advice tailored to your specific financial situation, risk profile, or tax circumstances

Actual investment returns depend on market conditions, fund performance, government policy changes, interest rate movements, and numerous factors outside our control. Past performance of any financial instrument is not indicative of future results.

Before making any investment, insurance, loan, or major financial decision, we strongly recommend consulting a SEBI-registered investment adviser, certified financial planner (CFP), chartered accountant (CA), or other qualified professional appropriate to your needs.

All content on the Vittarthi website — including but not limited to calculator code and interfaces, article text, blog posts, guides, graphics, illustrations, icons, visual design, and the "Vittarthi" brand name and logo — is owned by or licensed to Vittarthi and is protected under applicable Indian and international intellectual property laws.

Permitted use: You may access and use the Website and its content for your personal, non-commercial use. You may share links to our articles and calculators.

Prohibited use: Without our express written permission, you may not:

• Copy, reproduce, distribute, publish, or commercially exploit any content from this Website
• Modify, adapt, translate, or create derivative works of our content or calculator code
• Scrape, crawl, or systematically download content or data from the Website
• Use our brand name, logo, or any trademark in a way that suggests endorsement or affiliation
• Frame or embed any page of this Website within another website without written consent

Requests for content partnerships, embedding of calculators, or commercial licensing should be directed to legal@vittarthi.com.

By using the Website, you represent and warrant that:

The following activities are strictly prohibited on Vittarthi. Violation may result in immediate termination of your access and may attract legal action:

• Using automated tools, bots, or scrapers to systematically access or download Website content
• Attempting to reverse-engineer, decompile, or extract source code from any part of the Website
• Submitting false, misleading, or fraudulent information through any form or contact channel
• Uploading, transmitting, or distributing any malware, viruses, or harmful code through the Website
• Impersonating any person, entity, or Vittarthi staff through the Website
• Using the Website to solicit other users for commercial purposes or third-party services without consent
• Attempting to gain unauthorised access to any user account, server, or database
• Using the Website in any manner that could overload, damage, or impair its infrastructure
• Reproducing, republishing, or commercially redistributing our content without written permission

We reserve the right to investigate and take appropriate action against violations, including reporting to law enforcement authorities where required under the Information Technology Act, 2000 or other applicable laws.

Using any calculator on Vittarthi does not require creating an account. Where optional accounts are offered:

• You must provide accurate and complete information when creating your account
• You are responsible for maintaining the confidentiality of your login credentials
• You are responsible for all activity that occurs under your account
• You must notify us immediately at support@vittarthi.com if you suspect unauthorised access to your account
• You must not create accounts using false identity, someone else's information, or automated means
• One person or entity may not maintain more than one account

We reserve the right to suspend or terminate accounts that violate these Terms, at our sole discretion and without prior notice.

The Website may contain links to third-party websites, government portals (RBI, SEBI, EPFO, IRDAI), financial institutions, and other external resources. These links are provided for convenience and educational reference only.

Vittarthi does not endorse, control, or take responsibility for the content, accuracy, privacy practices, or policies of any third-party website. We do not receive compensation for linking to any external resource unless explicitly stated.

Your use of any third-party website is governed by that website's own terms and privacy policy. We recommend reviewing those before submitting any information to external sites.

We make no representation that any external links are current, accurate, or free from errors. External links may change or become unavailable without notice.

Disclaimer of warranties: To the fullest extent permitted by applicable law, Vittarthi expressly disclaims all warranties, whether express or implied, including but not limited to:

• The accuracy, completeness, or timeliness of calculator results or any content
• The fitness of the Website or its content for any particular purpose
• That the Website will be error-free, uninterrupted, or virus-free
• That any financial estimate provided by our calculators will reflect actual future outcomes

Limitation of damages: To the maximum extent permitted by Indian law, Vittarthi and its owners, employees, and contributors shall not be liable for any:

• Financial losses, investment losses, or damages arising from reliance on calculator results
• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or goodwill arising from use or inability to use the Website
• Actions taken or not taken on the basis of any content on this Website

This limitation applies regardless of the theory of liability (contract, tort, negligence, or otherwise) and even if Vittarthi has been advised of the possibility of such damages.

Nothing in these Terms is intended to exclude or limit liability that cannot be lawfully excluded under Indian law, including liability for fraud or wilful misconduct.

We reserve the right to modify, suspend, or discontinue the Website or any service, feature, or calculator at any time, with or without notice. This includes changes to calculator methodology, interest rate defaults, or content coverage.

We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Website or any part thereof.

We may also revise these Terms at any time by posting an updated version on this page. The "Last Updated" date at the top of this page will reflect when changes were made. Significant changes will be highlighted with a notice on the Website for a reasonable period.

These Terms remain in effect for as long as you use the Website. We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason — including if you breach any provision of these Terms.

You may stop using the Website at any time. If you have an account, you may request deletion by emailing support@vittarthi.com.

Upon termination, all licences granted to you under these Terms will immediately cease. Sections of these Terms that by their nature should survive termination — including intellectual property, limitation of liability, and governing law — shall survive.

These Terms shall be governed by and construed in accordance with the laws of India, without regard to any conflict of law provisions.

Dispute resolution: In the event of any dispute, controversy, or claim arising out of or relating to these Terms or your use of the Website, the parties shall first attempt to resolve the matter through good-faith negotiation. If unresolved within 30 days, the dispute shall be submitted to arbitration under the Arbitration and Conciliation Act, 1996 of India.

Jurisdiction: Subject to the arbitration clause above, the courts of jurisdiction shall be the competent courts located in India, and you consent to the exclusive jurisdiction of such courts for any matter not subject to arbitration.

Nothing in this clause prevents us from seeking injunctive or other equitable relief in any court of competent jurisdiction to protect our intellectual property rights.

If you have questions or concerns about these Terms of Use, or need to report a violation, please reach out to us. We are committed to addressing all queries in a timely and transparent manner.