Terms and Conditions

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Please read these Terms and Conditions ("Terms") carefully before using the AI SIP Calculator & Planner mobile application ("App") operated by Varun Chhabra ("we", "us", or "our").

1. Acceptance of Terms

By downloading, installing, or using our App, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the App.

For Users Under 18: If you are under 18 years of age, you represent that you have your parent's or guardian's permission to use this App and that they have read and agreed to these Terms on your behalf.

2. Description of Service

AI SIP Calculator & Planner is a financial planning tool that provides calculators and planning features for various investment scenarios, including:

• SIP (Systematic Investment Plan) calculators
• Fixed Deposit (FD) and Recurring Deposit (RD) calculators
• PPF (Public Provident Fund) calculator
• GST calculator
• Interest calculator
• AI-powered financial planning tools

3. Use of the App

You agree to use the App only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the App in any way that violates any applicable law or regulation
• Attempt to gain unauthorized access to the App or its related systems
• Interfere with or disrupt the App or servers connected to the App
• Use the App to transmit any malicious code or harmful content

4. Financial Information Disclaimer

IMPORTANT: The calculations and information provided by this App are for informational and educational purposes only. They are not intended as financial, investment, tax, or legal advice. You should consult with qualified financial advisors before making any financial decisions.

• All calculations are estimates and approximations
• Actual returns may vary based on market conditions
• We do not guarantee the accuracy of any calculations
• Past performance does not guarantee future results

5. Intellectual Property

The App and its original content, features, and functionality are owned by Varun Chhabra and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

6. User Content

When you submit feedback, calculator requests, or other content through the App, you grant us a non-exclusive, worldwide, royalty-free license to use, modify, and display such content for the purpose of improving our services.

7. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the App.

8. Disclaimer of Warranties

The App is provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that the App will be uninterrupted, secure, or error-free.

9. Indemnification

You agree to indemnify and hold harmless Varun Chhabra from any claims, damages, losses, liabilities, and expenses arising out of your use of the App or violation of these Terms.

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. Your continued use of the App after any changes constitutes acceptance of the new Terms.

11. Termination

We may terminate or suspend your access to the App immediately, without prior notice or liability, for any reason, including if you breach these Terms.

12. Governing Law

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

13. Contact Information