Terms and Conditions

1 Introduction and Acceptance

Welcome to PlanMyReturns. By accessing or using this website, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, please discontinue use of the website.

These terms apply to all calculators, tools, articles, and other content available on planmyreturns.com. We may revise these terms occasionally, and continued use of the website after changes are posted means you accept the updated terms.

2 Purpose of the Website

PlanMyReturns provides free online financial calculators and educational content to help users understand concepts related to investments, savings, loans, and taxes in India. All tools and articles are intended for general information and learning purposes only.

PlanMyReturns does not provide personalized investment, financial, legal, or tax advice. The content is not a substitute for guidance from a qualified professional such as a SEBI registered investment adviser, chartered accountant, or licensed financial planner.

3 Use of Our Calculators

You may use our calculators for personal, non-commercial purposes. All results and projections are estimates based on the inputs you provide and standard, publicly available financial formulas.

• We do not guarantee the accuracy, completeness, or timeliness of any calculator result.
• Most calculations run locally in your browser, and your inputs are not stored on our servers by default.
• Interest rates, tax rules, and government limits can change, which may affect real world outcomes.
• PlanMyReturns is not responsible for any decision made based on calculator results.

4 Intellectual Property

All content on PlanMyReturns, including text, design, graphics, logos, and the calculators themselves, is the property of planmyreturns.com and is protected by applicable copyright and intellectual property laws.

You may not copy, modify, distribute, republish, or create derivative works from any part of this website without our prior written permission. You may share links to our pages freely.

5 Acceptable Use

By using this website, you agree to:

• Use our tools and content only for lawful purposes.
• Not attempt to damage, disrupt, overload, or gain unauthorized access to any part of the website or its systems.
• Not use automated scripts, scrapers, or bots to harvest content in a way that harms the service.
• Not misrepresent our results as professional financial advice or use them for fraudulent or misleading purposes.

6 External Links

Our website may contain links to third party websites for reference and convenience. These links do not imply endorsement. We do not control and are not responsible for the content, accuracy, privacy practices, or availability of any external site. Visiting linked websites is at your own risk.

7 Advertising, Cookies, and Third Party Vendors

PlanMyReturns is supported by advertising. We display ads served by Google AdSense and may work with other advertising partners. To keep our calculators free, these ads help cover the cost of running the website.

• Third party vendors, including Google, use cookies to serve ads based on your prior visits to this website and other websites.
• Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visits to our site and other sites on the internet.
• You may opt out of personalized advertising by visiting Google Ads Settings.
• You may also opt out of some third party vendor cookies for personalized advertising at aboutads.info.
• Where required by law, including for users in the European Economic Area and the United Kingdom, we request consent before setting non essential cookies.

We do not control the specific ads displayed and do not endorse advertised products or services. For full details on the data we and our partners collect, please read our Privacy Policy.

8 Financial Disclaimer

All calculators and information are provided for educational purposes only and do not constitute financial, investment, or tax advice. Mutual funds and market linked products are subject to market risks. Past performance and assumed rates of return do not guarantee future results.

You are solely responsible for verifying figures and for any financial decisions you make. Please read all scheme related documents and official guidelines carefully before investing.

9 No Warranty

This website and all its tools are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the reliability, accuracy, or suitability of our calculators or content for any particular purpose.

10 Limitation of Liability

To the maximum extent permitted by law, PlanMyReturns and its team will not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or inability to use, this website, its calculators, or its content.

11 Changes and Termination

We may update, suspend, or discontinue any part of the website at any time for maintenance, security, legal, or operational reasons, without prior notice. We may also update these Terms and Conditions, and the “Last updated” date above will reflect the latest revision.

12 Governing Law

These Terms and Conditions are governed by the laws of India. Any disputes arising from the use of this website will be subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana, India.

13 Contact Us

If you have any questions or feedback about these Terms and Conditions, please reach out:

• contact@planmyreturns.com
• planmyreturns.com