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Terms & Conditions

Last updated: July 1, 2025

Welcome to S₹P Calculator Online ("we", "us", or "our"). These Terms and Conditions ("Terms") govern your access to and use of our website at sipcalculatoronline.online (the "Service"). By accessing or using our Service, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our Service.

1. Acceptance of Terms

By accessing and using S₹P Calculator Online, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms. These Terms constitute a legally binding agreement between you and S₹P Calculator Online.

You must be at least 18 years old to use this Service. By using our website, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are under 18, you may not use our Service.

2. Description of Service

S₹P Calculator Online provides free online financial calculators and educational blog content focused on Systematic Investment Plans (SIPs) and Systematic Withdrawal Plans (SWPs) for Indian mutual fund investors. Our Service includes:

  • Six free calculators: SIP Calculator, Step-up SIP Calculator, SWP Calculator, Lumpsum Calculator, SIP with Inflation Calculator, and Daily SIP Calculator
  • A blog featuring 25+ in-depth articles on SIP and SWP topics
  • 35 frequently asked questions with detailed answers
  • Informational pages about our mission, founder, and policies

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice. We will not be liable to you if we modify, suspend, or discontinue the Service.

3. No Financial Advice

This is the most important section of these Terms. Please read it carefully.

All content on S₹P Calculator Online — including calculators, blog posts, FAQs, and any other materials — is provided strictly for educational and informational purposes only. Nothing on this website constitutes financial, investment, legal, tax, or other professional advice.

S₹P Calculator Online and its founder Bhanuprakash Sardesai are not SEBI-registered investment advisors. We do not hold any licenses or registrations from the Securities and Exchange Board of India (SEBI) or any other regulatory authority to provide investment advice. We are an educational platform, not a financial advisory service.

The calculators on this website provide projections based on assumptions (such as expected return rates) entered by you. These projections are mathematical estimates only and do not represent guaranteed returns. Actual mutual fund returns vary based on market performance, fund selection, economic conditions, and other factors. Past performance does not guarantee future results.

Before making any investment decision, you should:

  • Consult a SEBI-registered financial advisor who can provide personalized advice based on your specific circumstances
  • Read the scheme information documents and other offering materials of any mutual fund before investing
  • Understand that mutual fund investments are subject to market risks
  • Consider your risk tolerance, financial goals, and investment horizon

4. Accuracy of Calculators

While we strive to ensure our calculators use accurate mathematical formulas (the standard compound interest formula), we do not warrant that the calculations are error-free. The calculators depend on:

  • The accuracy of inputs you provide
  • The reasonableness of your assumptions (return rates, inflation rates)
  • The performance of underlying mutual funds

Actual investment returns may differ significantly from calculator projections due to market volatility, fund management decisions, expense ratios, taxation, and other factors not accounted for in our calculators. We recommend using conservative return assumptions (10-12% for equity, 7% for debt) for realistic projections.

5. Intellectual Property Rights

All content on S₹P Calculator Online — including text, graphics, logos, calculators, code, blog posts, FAQs, and software — is the property of S₹P Calculator Online and is protected by Indian and international copyright laws. You may not:

  • Reproduce, distribute, or publish our content without written permission
  • Modify, adapt, or create derivative works based on our content
  • Use our calculators or code for commercial purposes without license
  • Remove copyright or trademark notices from any content
  • Use our branding (including the S₹P logo and wordmark) without permission

You may share links to our pages on social media, in blogs, or with friends and family. Brief quotations (under 100 words) with proper attribution and a link back to the original source are permitted under fair use.

6. User Conduct

When using our Service, you agree not to:

  • Use the Service for any unlawful purpose
  • Attempt to gain unauthorized access to our systems or data
  • Use automated scripts, bots, or scrapers to extract our content
  • Interfere with the proper functioning of the Service
  • Submit false or misleading information through our contact form
  • Engage in any conduct that could damage our reputation

7. Third-Party Links and Advertising

Our website may contain links to third-party websites and display third-party advertisements (such as Google AdSense). We do not control these third parties and are not responsible for their content, products, services, or practices. Your interactions with third-party websites and advertisers are solely between you and them.

The display of advertisements does not constitute endorsement of the advertised products or services. We are not responsible for the accuracy of advertising claims or the quality of advertised products.

8. Limitation of Liability

To the maximum extent permitted by law, S₹P Calculator Online and its founder shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of the Service, including but not limited to:

  • Financial losses resulting from investment decisions based on our calculators or content
  • Damages from loss of data, profits, or business opportunities
  • Damages from service interruptions or errors
  • Damages from third-party content or advertising

You use the Service at your own risk. The Service is provided on an "as is" and "as available" basis without warranties of any kind.

9. Indemnification

You agree to indemnify and hold harmless S₹P Calculator Online, its founder, and any affiliated parties from any claims, damages, losses, liabilities, costs, or expenses (including legal fees) arising from your use of the Service or your violation of these Terms.

10. Termination

We may terminate or suspend your access to the Service at any time, without notice, for any reason, including violation of these Terms. Upon termination, all provisions of these Terms that by their nature should survive termination shall remain in effect.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts in Hubli, Karnataka, India.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. We will update the "Last updated" date at the top of this page when we make changes. Your continued use of the Service after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Contact Information

If you have questions about these Terms and Conditions, please contact us:

By using S₹P Calculator Online, you acknowledge that you have read, understood, and agreed to these Terms and Conditions in their entirety.