Disclaimer.

Educational and regulatory scope

This website is a general-public educational publication and self-directed software resource. It does not provide client-specific investment advisory, security research, portfolio management, brokerage, execution, distribution, or risk-profiling services. Using the website or sending an email does not create an adviser-client, research-analyst-client, fiduciary, or other professional relationship.

No representation is made that the website or its owner is registered with the Securities and Exchange Board of India (SEBI) as an investment adviser or research analyst. Do not interpret the tools, presets, articles, author biography, or general educational information as such a claim. Public availability and this disclaimer do not exempt an activity that is regulated in substance. See the current SEBI Investment Advisers Regulations and SEBI Research Analysts Regulations.

No SEBI approval, endorsement, or certification of this website or its calculations is claimed. See the educational boundaries and dated SEBI references. This notice is not a legal opinion or a substitute for any registration that the actual activity requires.

Educational use

Calculators, screens, articles, and examples are provided for education and general information. They do not consider your complete circumstances, assess suitability, or establish that any action is appropriate for you. They must not be treated as a recommendation to buy, sell, hold, avoid, or assign a target price to any asset or security.

Stock-screening limits

The Stock Screen Builder creates generic formula-based filters from visitor-selected inputs. It does not cover or rate a named issuer, publish a research report, or produce a buy, sell, or hold call. A company passing a filter may still be unsuitable, mispriced, financially weak, poorly governed, or based on incomplete or incorrect data.

Model risk

Financial models simplify reality. Outputs depend on assumptions about returns, inflation, volatility, fees, taxes, spending, longevity, data quality, and user inputs. Labels such as “simulated survival rate,” “modelled corpus,” “wealth band,” or “milestone” describe calculations—not real-world probabilities, guarantees, eligibility, status, or promises.

Market risk

Investing involves risk, including loss of capital. Past performance and historical relationships do not guarantee future outcomes.

Data and third parties

Third-party information, links, field names, datasets, and regulatory materials may change or contain errors. No guarantee is made that data or output is complete, current, accurate, or suitable for any purpose.

Paid and personalised services

The current public website does not accept payment for personalised financial planning, investment advice, securities research, or recommendations. Do not email confidential portfolio information or requests for individual buy, sell, or hold calls. Any future paid, personalised, recommendation-based, or security-specific feature requires separate terms and regulatory review before launch.

Your responsibility

You remain responsible for independently verifying information and for every decision you make. Consider consulting appropriately qualified and, where applicable, registered professionals before taking material financial, investment, tax, or legal action.

No warranty

The website and its tools are provided “as is” without warranties of accuracy, reliability, availability, fitness, or future performance to the maximum extent permitted by applicable law.