Legal & Financial Disclaimer
Last Updated: September 18, 2026
Welcome to ArthCalculator (https://arthcalculator.in/). Before using our calculators, guides, and tools, please take a moment to read this disclaimer. By using this website, you agree to the terms and limitations explained below.
1. For Educational and Informational Modeling Only
All financial calculators, algorithms, interactive tools, strategy guides, blog articles, charts, and mathematical simulations provided on ArthCalculator are designed strictly for educational, illustrative, and informational modeling purposes. They are built to assist users in understanding computational mathematics, compounding mechanics, tax slab dynamics, and financial scenarios.
Nothing on this website constitutes professional financial, tax, investment, accounting, or legal advice. ArthCalculator does not provide personalized investment recommendations, portfolio management, tax return preparation, or loan underwriting services.
2. Non-Advisory Status (SEBI & Statutory Clarification)
To be completely clear about our role:
- ArthCalculator is not a SEBI-registered Investment Adviser (RIA) under the SEBI (Investment Advisers) Regulations, 2013.
- ArthCalculator is not a SEBI-registered Research Analyst (RA) or Portfolio Manager.
- We do not solicit, offer, or recommend the purchase, holding, or sale of any specific security, mutual fund scheme, insurance policy, fixed deposit, stock, or derivative contract.
3. Mathematical Estimation & Regulatory Updates
We take great care to make our calculators as accurate as possible by referencing official rules from the Income Tax Act (FY 2026-27 / AY 2027-28), CBDT notifications, RBI lending guidelines, and Ministry of Finance rate revisions. However, calculations are estimates and cannot be guaranteed:
- Rules Change: Tax laws, budget announcements, and interest rates change from time to time. While we update our tools promptly, there may occasionally be a brief gap before new changes are reflected on the site.
- Bank-Specific Rules: Different banks may calculate day-counts, interest accruals, or loan amortization slightly differently (for instance, 365-day vs. 360-day conventions, or monthly vs. daily rest).
- Other Charges: Unless specifically noted, calculator results show base figures and may not include bank processing charges, stamp duty surcharges, platform transaction fees, or GST on banking services.
4. Requirement for Independent Professional Verification
Because major financial decisions have long-term consequences, you should never make significant commitments—such as taking a home loan, choosing between Old and New Tax Regimes, or investing large sums—based solely on an online calculator.
We strongly recommend speaking with a qualified professional before taking action:
- A practicing Chartered Accountant (ICAI) for personal or corporate tax planning, audit, and ITR compliance.
- A SEBI-registered Investment Advisor (RIA) for asset allocation, mutual funds, equity portfolios, and retirement goals.
- An authorized Bank Loan Officer for verified sanction letters, interest rate structures, and amortization terms.
5. International Money Transfer & Forex Disclaimer
Our money transfer guides and exchange rate calculators display mid-market rates and typical provider pricing for informational comparison. Foreign exchange rates fluctuate throughout the day. Your final received amount will depend on the exact live rate, provider markup spread, correspondent bank charges, and any applicable GST (under Rule 32(2) of the Indian GST framework) at the time your transfer is booked.
6. Limitation of Liability
To the fullest extent permitted under Indian law, ArthCalculator, its developers, and contributors will not be liable for any direct or indirect financial losses, missed deadlines, tax penalties (under Sections 234A, 234B, or 234C), or investment losses resulting from your use of this website or reliance on any calculator output.
7. No Government or Institutional Affiliation
ArthCalculator is an independent, privately run website. We are not connected to, endorsed by, or affiliated with the Government of India, the Income Tax Department, the Reserve Bank of India (RBI), EPFO, SEBI, or any commercial bank.
8. Third-Party Links & Editorial Neutrality
Our website may include contextual hyperlinks to external educational resources, official government portals, or financial service platforms for user convenience. ArthCalculator does not control, endorse, or assume responsibility for the content, privacy practices, or accuracy of external websites. All mathematical calculations on ArthCalculator remain 100% editorially independent and free from commercial bias.
9. Acceptance and Jurisdiction
Your continued use of ArthCalculator constitutes your unconditional acceptance of this Disclaimer. Any legal dispute or claim arising out of or in connection with the use of this website shall be governed by and construed in accordance with the laws of India, subject to the exclusive jurisdiction of the competent courts in India.