Terms and Conditions for Financulate.com

Last Updated: June 27, 2025

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE.

Welcome to Financulate (“we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the financulate.com website (the “Site”), including all financial calculators, tools, content, features, and services (collectively, the “Services”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to all of these Terms, do not use this Site.

1. Acceptance of Terms

By accessing, browsing, or using the Site in any manner, you:

  • Confirm you are at least 18 years old or the age of majority in your jurisdiction.

  • Agree to comply with all applicable laws and regulations.

  • Accept these Terms and our Privacy Policy.

2. Nature of Service / No Financial Advice

  • Educational & Informational Purpose Only: The Site provides general financial education, self-help tools, and illustrative calculations. All content, calculators, and results are for informational purposes only.

  • Not Personalized Advice: Nothing on this Site constitutes personalized financial, investment, tax, legal, or professional advice. Always consult a qualified advisor before making financial decisions.

  • No Fiduciary Relationship: Your use of the Site does not create a fiduciary or professional-client relationship between you and Financulate.

3. Financial Calculators & Tools

  • “As Is” Basis: Calculators and tools are provided free and “as is.” They use standardized formulas and assumptions that may not reflect your unique circumstances.

  • Input Responsibility: You are solely responsible for the accuracy of data entered into calculators. We do not store or verify your inputs.

  • Estimates Only: Results are estimates and projections. Actual financial outcomes may vary due to market conditions, fees, taxes, and other factors.

  • No Guarantees: We do not guarantee the accuracy, completeness, reliability, or suitability of calculator results for your goals.

4. Intellectual Property Rights

  • Ownership: All content on the Site (text, graphics, calculators, code, logos, etc.) is owned by or licensed to Financulate and is protected by copyright, trademark, and other intellectual property laws.

  • Limited License: You may access and use the Site for personal, non-commercial purposes only. You may not:

    • Copy, modify, distribute, sell, or lease any part of the Site.

    • Reverse engineer or extract source code from calculators.

    • Use our content for commercial purposes without prior written consent.

5. User Conduct

You agree not to:

  • Use the Site for illegal or unauthorized purposes.

  • Disrupt the Site’s functionality (e.g., via malware, spam, or excessive traffic).

  • Attempt to access restricted areas of the Site.

  • Impersonate others or misrepresent your affiliation.

  • Submit false or misleading information.

6. Disclaimers

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, FINANCULATE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

  • FITNESS FOR A PARTICULAR PURPOSE: Calculators and content are not tailored to your needs.

  • ACCURACY OR RELIABILITY: Financial markets and regulations change constantly. We do not warrant that content or calculations are current, accurate, or error-free.

  • UNINTERRUPTED ACCESS: We do not guarantee the Site will always be available or free from interruptions.

  • ENDORSEMENTS: References to third-party products/services are not endorsements.

7. Limitation of Liability

IN NO EVENT SHALL FINANCULATE, ITS DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:

  • YOUR USE OR INABILITY TO USE THE SITE.

  • ERRORS, INACCURACIES, OR OMISSIONS IN CALCULATORS OR CONTENT.

  • FINANCIAL DECISIONS MADE BASED ON SITE CONTENT.

  • UNAUTHORIZED ACCESS TO YOUR DATA (see Privacy Policy).
    THIS APPLIES EVEN IF WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY IS LIMITED TO $100 USD.

8. Indemnification

You agree to defend, indemnify, and hold harmless Financulate from any claims, damages, or expenses (including legal fees) arising from:

  • Your breach of these Terms.

  • Your misuse of the Site or Services.

  • Your violation of any third-party rights.

9. Third-Party Links & Services

The Site may link to third-party websites or services. We:

  • Are not responsible for their content, accuracy, or practices.

  • Do not endorse or assume liability for third-party actions.

  • Encourage you to review their terms and policies.

10. Termination

We may suspend or terminate your access to the Site without notice for any violation of these Terms. All disclaimers and limitations of liability survive termination.

11. Governing Law & Disputes

  • These Terms are governed by the laws of Karnatake, India.

  • Any disputes will be resolved in the courts located in Bengaluru, Karnataka, India 

  • Informal Resolution: We encourage contacting us at financulate@gmail.com before pursuing legal action.

12. Changes to Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with a revised “Last Updated” date. Continued use of the Site after changes constitutes acceptance.

13. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Financulate regarding the Site.

14. Contact Us

For questions about these Terms, contact us at:
Email: financulate@gmail.com
Mailing Address: Bengaluru, Karnataka, India