Terms of Service

Wealth Calc is an informational and educational computational platform. We are not a registered investment advisor (RIA), research analyst, portfolio management service (PMS), chartered accountant, broker, or financial institution under any regulatory authority (including SEBI, RBI, or IRDAI).

All calculations performed across our tools including SIP, Lumpsum, SWP, Loan Prepayment, XIRR, CAGR, Policy Returns, and Retirement Planners rely on standard mathematical formulae and user-provided inputs.

• Estimations Only: Results generated are mathematical projections and simulated estimates based on static assumptions (e.g., constant return rates or linear inflation). Real-world markets, portfolio returns, tax slabs, and interest rates fluctuate over time.
• Banking & Benchmark Rates: Interest rates displayed for Fixed Deposits (FD), Recurring Deposits (RD), PPF, and SSY are gathered from publicly available records. While we make every effort to keep these figures current, banking institutions may modify rates at any time without notice.
• No Performance Guarantee: We make no representations or warranties regarding the future yields, maturity values, or financial outcomes calculated by our tools.

We believe your financial planning numbers belong exclusively to you. Wealth Calc processes all user inputs directly inside your local web browser:

We do not save, transmit, or log your income, loan balances, investment figures, or simulation parameters on our backend servers. For comprehensive details on how analytics, cookies, and technical log files are handled, please review our full Privacy Policy.

Wealth Calc is 100% free for everyone to use. Whether you are an individual planning personal finances, a student, an educator, a financial advisor, or a professional running calculations for yourself or your clients, you are warmly welcomed to use all our calculators and share calculation results freely.

However, all website design, branding, logos, custom algorithms, user interface code, and written articles on Wealth Calc are the intellectual property of Iniverse Technologies. To protect our platform:

• You may not copy, clone, redistribute, or republish our source code, site design, or written guides on another website or application without prior written permission.
• You may not use automated bots, scrapers, or extraction tools to harvest our calculator code or content for competitor tools or commercial replication.
• You may not claim ownership or rebrand Wealth Calc’s content, tools, or logos as your own.

When interacting with Wealth Calc, you agree not to:

• Attempt to bypass, disable, or interfere with security features, headers, or rate-limiting protocols.
• Use the platform in any manner that could disable, overburden, damage, or impair our web hosting infrastructure or interfere with any other party’s use.
• Transmit any unsolicited advertising, promotional materials, spam, or malicious code through our contact forms or feedback channels.

Wealth Calc displays advertisements served by third-party advertising partners, including Google AdSense. We may also include educational book recommendations or resource links that participate in affiliate marketing programs.

When you click on third-party advertisements or outbound links, you leave our website and are redirected to third-party domains governed by their own independent terms and privacy practices. Wealth Calc does not endorse, control, or assume responsibility for any third-party products, services, content, or representations.

Wealth Calc and its services are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express, implied, or statutory.

To the fullest extent permissible under applicable law, Iniverse Technologies disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free site operation.

In no event shall Iniverse Technologies, its founders, directors, employees, or partners be liable for any direct, indirect, incidental, consequential, special, or exemplary damages including but not limited to financial loss, loss of profits, investment losses, debt charges, or business interruptions—arising out of or in connection with:

• Your access to, reliance on, or inability to use our tools or calculators.
• Any calculation errors, discrepancies, omissions, or outdated interest rates.
• Any decisions made or actions taken in reliance upon the simulations provided on this website.

You agree to defend, indemnify, and hold harmless Iniverse Technologies, Wealth Calc, and its contributors from and against any claims, liabilities, damages, judgments, losses, costs, or expenses (including reasonable legal fees) resulting from your violation of these Terms or your use of the website.

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any legal suit, action, or proceeding arising out of or related to these Terms or the website shall be instituted exclusively in the competent courts located in India.

We reserve the right to revise or update these Terms of Service at any time at our sole discretion. Any changes will become effective immediately upon being posted on this page with an updated “Last Updated” date. Your continued use of the platform after changes are posted constitutes your acceptance of the revised Terms.

If you have questions, comments, or feedback regarding these Terms of Service, please reach out to us: