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Terms and Conditions

Last updated: 17 October 2026

These terms govern your use of financezy.online. By accessing or using the site you agree to them. If you do not agree, please stop using the site.

1. Who we are

financezy operates this website, which provides free financial calculators, educational articles and AI-assisted guidance relating to personal finance in India. Throughout these terms, "we", "us" and "our" refer to the operators of this site, and "you" refers to the person using it.

2. Permitted use

You may use this website to:

  • Run calculations for your own personal or business planning
  • Read and share our articles by linking to them
  • Ask questions of the AI assistants within the fair-use limits
  • Contact us with feedback, corrections or suggestions

3. What you must not do

You agree not to:

  • Copy, republish or redistribute our written content without permission and attribution
  • Scrape, harvest or systematically extract content using automated tools
  • Reverse engineer, decompile or attempt to extract the source of our calculators
  • Frame or embed our pages so as to present them as your own
  • Attempt to gain unauthorised access to any part of the site, server or database
  • Interfere with the site's operation, including through denial-of-service attempts or injection attacks
  • Upload or transmit malicious code of any kind
  • Use the AI assistants to generate unlawful, harmful, misleading or abusive content
  • Circumvent rate limits or usage caps by any means
  • Misrepresent our content as regulated financial advice, whether your own or ours

4. The tools are provided as they are

Our calculators and AI tools are provided free of charge on an "as is" and "as available" basis. We give no warranty that they will be uninterrupted, error free, or that results will meet your requirements.

We may modify, suspend or withdraw any tool, feature or piece of content at any time without notice. We may also change these terms, in which case the revised version applies from the date shown above.

5. AI assistant usage

The AI features are subject to a fair-use daily limit per visitor so the service remains available to everyone. Additionally:

  • Your question text is sent to a third-party AI provider to generate a response.
  • You must not submit sensitive personal identifiers such as PAN, Aadhaar, account numbers or passwords.
  • AI responses are generated automatically and may contain inaccuracies. Verify anything material.
  • We may withdraw access if the feature is used abusively or to generate prohibited content.
  • AI availability depends on third-party providers and may be interrupted without notice.

6. Not financial advice

Nothing on this site constitutes financial, investment, tax or legal advice, and no fiduciary or advisory relationship is created by your use of it. All calculations are estimates and all AI responses are general information.

You are solely responsible for any financial decision you make. Please read our Disclaimer, which forms part of these terms.

7. Intellectual property

The text, layout, design, graphics and code on this site are our property or licensed to us, and are protected by applicable copyright law. The site name and any logo are our marks.

You may quote short passages for review, commentary or educational purposes with clear attribution and a link back to the source page. Reproducing substantial portions, or republishing our articles in whole, requires written permission.

Financial formulas themselves are standard and in the public domain. Our particular implementations, explanations and presentation are not.

8. Third-party content and advertising

This site displays advertising served by third parties, including Google AdSense. We do not control which ads appear and do not endorse advertised products or services. Any dealings you have with an advertiser are solely between you and them.

We also link to external websites for reference. We are not responsible for their content, accuracy or practices.

9. Your submissions

If you send us feedback, a correction or a suggestion, you grant us permission to use it to improve the site without obligation or compensation. Do not send us confidential information you expect us to keep secret. We may quote your feedback anonymously.

10. Limitation of liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profit, revenue, data or goodwill, arising from:

  • Your use of, or inability to use, this website
  • Any reliance on calculator output, article content or AI responses
  • Any financial decision you take, or refrain from taking
  • Unauthorised access to or alteration of your data
  • Any third-party content, advertising or linked website

Since the site is provided free of charge, our aggregate liability to you for any claim is limited to zero, to the extent the law permits such a limitation.

11. Indemnity

You agree to indemnify us against any claim, loss or expense arising from your breach of these terms or your misuse of the site.

12. Privacy

Our handling of information is described in the Privacy Policy, which forms part of these terms. In summary, calculator inputs never leave your browser and we collect only basic anonymous usage data.

13. Termination

We may restrict or block access to the site if you breach these terms, without notice and at our discretion. You may stop using the site at any time.

14. Severability

If any provision of these terms is found unenforceable, the remaining provisions continue in full force. The unenforceable provision will be interpreted so as to give effect to its intent as far as possible.

15. Governing law

These terms are governed by the laws of India. Any dispute arising from them falls under the exclusive jurisdiction of the competent courts in India.

16. Contact

Questions about these terms can go to:

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