Disclaimer

Last Updated: January 18, 2026

Welcome to GrowUp.Money. By using our website, calculators, and content, you acknowledge and agree to the following disclaimer. Please read this carefully before using our services.

General Information Purposes Only

All content, tools, calculators, articles, and resources provided on GrowUp.Money are for informational and educational purposes only. The information presented on this website should not be considered as professional financial, investment, tax, or legal advice.

Not Financial Advice

IMPORTANT: GrowUp.Money does NOT provide personalized financial advice, investment recommendations, or portfolio management services.

We are NOT:

SEBI Registered Investment Advisors (RIA)
Certified Financial Planners (CFP)
Tax Consultants or Chartered Accountants
Stock Brokers or Investment Advisors
Insurance Agents or Advisors
Legal Advisors or Attorneys

Any financial decisions you make based on information from this website are your sole responsibility.

Calculator Accuracy and Limitations

Estimates and Approximations

Our calculators (SIP, EMI, Lumpsum, Retirement, Inflation) provide estimates based on standard financial formulas and assumptions. These calculations:

Are approximations and indicative only
May not reflect actual returns or outcomes
Assume constant rates of return (which rarely occur in reality)
Do not account for all variables affecting investments
Should be verified with professional advisors

Actual results may vary significantly from calculated estimates due to:

Market volatility and fluctuations
Changes in interest rates
Economic conditions
Regulatory changes
Fund performance variations
Tax law changes
Inflation rates
Individual circumstances

No Guarantee of Results

We make no guarantees regarding:

Accuracy of calculations
Achievement of projected returns
Suitability for your specific situation
Completeness of information provided
Real-world applicability

Always verify calculator results with official sources, fund houses, banks, or qualified financial advisors before making investment decisions.

Investment Risk Disclosure

Mutual Fund Investments

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

Key risks include:

Market risk (value can go down as well as up)
Liquidity risk (may not be able to exit when desired)
Credit risk (in debt funds)
Concentration risk (sector/stock-specific funds)
Interest rate risk (affects debt funds)
Inflation risk (returns may not beat inflation)

Past performance is not indicative of future results. Historical returns mentioned in our articles or calculators do not guarantee future performance.

Systematic Investment Plans (SIP)

While SIPs help average out market volatility through rupee cost averaging, they:

Do not guarantee profits
Do not eliminate market risk
Require long-term commitment for optimal results
May result in losses during sustained market downturns

No Endorsement or Recommendation

Mutual Funds and Financial Products

Any mutual funds, investment products, platforms, apps, or financial institutions mentioned in our content are for illustrative purposes only and do not constitute endorsement or recommendation.

We do not:

Recommend specific mutual fund schemes
Endorse particular investment platforms
Guarantee performance of any product
Receive commissions from fund houses or platforms (unless explicitly disclosed)

Examples used in articles (fund names, return rates, scenarios) are hypothetical or based on historical data and should not be considered recommendations.

Third-Party Services

Links to external websites, platforms, or services are provided for convenience only. We are not responsible for:

Content on external websites
Accuracy of third-party information
Services provided by third-party platforms
Privacy practices of external sites
Security of third-party websites

Indian Regulatory Compliance

SEBI Regulations

GrowUp.Money is an educational platform and does not engage in activities requiring SEBI registration.

For regulated investment advice, please consult:

SEBI Registered Investment Advisors (RIA)
Certified Financial Planners
Licensed mutual fund distributors
Authorized financial institutions

You can verify SEBI registration at: [www.sebi.gov.in]

Tax Implications

Tax information provided on this website is based on current Indian tax laws as of the content publication date.

Tax laws change frequently. The information may become outdated and should not be relied upon for:

Filing income tax returns
Tax planning decisions
Understanding your tax liability
Claiming deductions or exemptions

For tax advice, consult:

Chartered Accountants (CA)
Tax consultants
Legal tax advisors
Income Tax Department official sources

Income Tax References

References to Section 80C, LTCG (Long-Term Capital Gains), STCG (Short-Term Capital Gains), and other tax provisions are for general awareness only.

We strongly recommend verifying all tax-related information with qualified tax professionals before making decisions.

Data Privacy and Security

Client-Side Processing

All calculations on GrowUp.Money are performed locally in your web browser using JavaScript. Your financial data:

Never leaves your device
Is not transmitted to our servers
Is not stored in our databases
Remains completely private

We do not collect or store:

Your investment amounts
Your financial goals
Your calculation inputs
Your personal financial data

For complete privacy details, please read our [Privacy Policy]

Content Accuracy and Updates

Best Efforts Basis

While we strive to provide accurate, up-to-date, and helpful information:

We cannot guarantee:

100% accuracy of all content
Completeness of information
Real-time updates for regulatory changes
Error-free calculations or formulas
Applicability to all situations

Content may contain:

Typographical errors
Outdated information
Simplified explanations
Generalized advice
Assumptions that may not apply to you

Periodic Updates

We endeavor to update our content periodically, but we are not obligated to do so. Information may become outdated between updates.

Check publication dates on articles and verify current information with:

Official regulatory websites (SEBI, RBI, Income Tax Department)
Fund house websites
Banking institutions
Licensed financial advisors

Limitation of Liability

No Liability for Decisions

GrowUp.Money, its owners, operators, authors, and contributors shall NOT be liable for:

Financial losses resulting from use of our calculators or content
Investment decisions made based on information provided
Errors, omissions, or inaccuracies in content or calculations
Outdated information or regulatory changes
Technical issues or calculator malfunctions
Third-party content or services
Damages arising from use or inability to use this website
Lost profits, revenues, or business opportunities
Indirect, incidental, special, or consequential damages

Maximum liability, if any, shall be limited to the amount you paid to access this website (which is zero, as our services are free).

Use at Your Own Risk

By using GrowUp.Money, you acknowledge that:

You use this website and its tools entirely at your own risk
You are solely responsible for your financial decisions
You will not hold us liable for any outcomes
You understand the limitations of our services
You will verify information independently

Professional Consultation Recommended

We strongly recommend consulting qualified professionals before:

Investment Decisions

Consult SEBI Registered Investment Advisors
Speak with Certified Financial Planners
Contact licensed mutual fund distributors
Seek advice from authorized financial institutions

Tax Planning

Hire Chartered Accountants for tax advice
Consult tax lawyers for complex situations
Refer to Income Tax Department official guidance

Legal Matters

Consult legal advisors for legal questions
Seek professional legal counsel when needed

Major Financial Commitments

Home loans: Speak with multiple banks and loan consultants
Retirement planning: Work with certified financial planners
Insurance: Consult licensed insurance advisors
Estate planning: Engage legal and financial experts

Professional advice considers your specific circumstances, goals, risk tolerance, and financial situation - something generic calculators and articles cannot do.

User Responsibilities

Your Obligations

By using GrowUp.Money, you agree to:

Verify Information:

Cross-check calculations with other sources
Verify content accuracy independently
Confirm current regulations and laws
Validate data before making decisions

Use Responsibly:

Understand limitations of tools and content
Not rely solely on our information
Seek professional advice for important decisions
Use calculators as planning aids, not guarantees

Comply with Laws:

Follow all applicable Indian laws and regulations
Meet tax filing and compliance requirements
Adhere to SEBI and RBI guidelines
Respect intellectual property rights

Not Misuse:

Not use content for commercial purposes without permission
Not scrape or copy content systematically
Not distribute calculators as your own
Not hold us liable for your decisions

Changes to This Disclaimer

We reserve the right to modify, update, or change this disclaimer at any time without prior notice.

Changes will be effective immediately upon posting on this page with an updated "Last Updated" date.

Your continued use of the website after changes constitutes acceptance of the revised disclaimer.

We recommend reviewing this disclaimer periodically to stay informed of any updates.

Governing Law and Jurisdiction

This disclaimer is governed by the laws of India.

Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of courts in Kolkata, West Bengal, India.

Contact Information

If you have questions about this disclaimer or need clarification, please contact us:

Email: ideasrig@gmail.com

Address: Kolkata, West Bengal, India - 700017

Response time: We typically respond within 24-48 hours (Monday-Friday).

Acknowledgment

By using GrowUp.Money, you acknowledge that:

You have read and understood this disclaimer
You agree to all terms and conditions stated herein
You accept the limitations and exclusions of liability
You will use the website responsibly and at your own risk
You understand that content is educational, not advisory
You will consult professionals for personalized advice

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Summary: GrowUp.Money provides free educational content and calculators for informational purposes only. We are not financial advisors. Always consult SEBI Registered Investment Advisors before making investment decisions. Use our tools at your own risk. We are not liable for your financial decisions or outcomes.

Thank you for reading and understanding our disclaimer. Use our resources wisely, invest responsibly, and always seek professional advice for major financial decisions.

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