Information
Terms of use.
The conditions that apply when using this website and its tools.
Acceptance
By using this website, you agree to these terms and the website disclaimer. If you do not agree, do not use the website or its tools.
Permitted use
You may use the website for lawful personal and educational purposes. You may not attempt to disrupt the site, interfere with other users, misrepresent the tools as professional advice or registered services, or use the content in an unlawful manner.
Educational content
All calculators, screens, articles, presets, examples, and outputs are general educational information. They are not personalised advice, a suitability assessment, a research report, or a security recommendation. The disclaimer forms part of these terms.
No professional relationship
Use of the website, receipt of an output, or email correspondence does not create an adviser-client, research-analyst-client, fiduciary, tax, legal, accounting, or other professional relationship. Do not send confidential portfolio information or requests for individual securities recommendations.
Current service scope
The current public website does not accept payment for personalised financial planning, investment advice, securities research, or buy, sell, or hold calls. Future paid or personalised features, if any, require separate terms and regulatory review before launch.
Intellectual property
Unless otherwise stated, original site design, explanatory text, and calculator presentation are owned by Kiran Puthezhath. Third-party names, marks, reports, and services belong to their respective owners.
External services
Links to external websites are provided for convenience. Their availability, content, security, and terms are outside this website’s control.
Availability and changes
The website may be changed, corrected, suspended, or discontinued without notice. Features and calculations may evolve as sources, methods, laws, and regulatory guidance change.
Limitation
To the maximum extent permitted by applicable law, Kiran Puthezhath is not liable for losses or damages arising from reliance on the website, unavailable service, inaccurate inputs, model limitations, or third-party content.
Contact
Questions about the website may be sent to kiranputhezhath@zohomail.in. Personalised financial or securities advice is not provided by email.