Disclaimer

The information provided on Fistotex ("the Site") is for general educational and informational purposes only. It does not constitute professional financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.

All content on this Site - including but not limited to financial calculators, news articles, educational articles, tools, and resources - is provided "as is" without warranties of any kind, either express or implied.

Fistotex does not provide personalized financial advice. We are not a registered investment advisor, financial planner, tax consultant, or legal professional.

• The calculators and tools on this Site are designed to help you understand financial concepts and perform calculations based on standard formulas.
• The results are mathematical estimates based on the inputs you provide and the assumptions built into each calculator.
• These estimates should not be considered as recommendations to buy, sell, or hold any financial product.
• You should not make any financial decisions based solely on the information or calculations from this Site.

Always consult with a qualified financial advisor, certified financial planner (CFP), chartered accountant (CA), or tax professional before making any investment, insurance, tax, or financial planning decisions.

Accuracy of Calculations

While we strive to use accurate, standard financial formulas in our calculators:

• Formulas are based on standard mathematical models (compound interest, annuity, amortization, etc.)
• Results are estimates and may differ from actual financial institution calculations
• Banks, mutual funds, and financial institutions may use different compounding frequencies, day-count conventions, or fee structures
• Rounding differences can cause minor variations

Assumptions and Limitations

Each calculator operates under specific assumptions which are disclosed on the calculator page. Common assumptions include:

• Constant rate of return throughout the investment period
• Regular, consistent contributions (for SIP calculators)
• No fees, expense ratios, or transaction costs (unless explicitly included)
• No tax implications considered (unless explicitly included)
• No inflation adjustment (unless explicitly included)

Specific Calculator Notes

• SIP/Mutual Fund Calculators: Assume constant monthly returns. Actual mutual fund returns vary daily and are not guaranteed.
• EMI/Loan Calculators: Assume fixed interest rate. Floating rate loans will have different EMIs over time.
• PPF/NPS Calculators: Use current government-notified rates. Rates change quarterly (PPF) or are market-linked (NPS).
• FD/RD Calculators: Assume interest rates remain constant. Bank rates may change.
• Retirement Calculators: Highly sensitive to assumptions. Small changes in return rate or inflation significantly impact results.
• CAGR/XIRR Calculators: Mathematical calculations only. Past performance ≠ future results.

The financial news displayed on this Site is aggregated from third-party sources including Mint, Moneycontrol, and Economic Times.

• We do not create, edit, or verify the accuracy of news content.
• All news articles link to the original publisher's website.
• Opinions expressed in news articles are those of the original authors/publishers, not Fistotex.
• We are not responsible for any errors, omissions, or inaccuracies in third-party news content.
• News is provided for informational purposes only and should not be considered investment advice.

• Equity investments: Principal is at risk. Value can go down as well as up.
• Debt investments: Subject to interest rate risk, credit risk, and liquidity risk.
• Past performance: Is not indicative of future results.
• No guaranteed returns: Except for specific government-backed schemes with explicit guarantees.

Tax laws in India are complex and subject to frequent changes. The information on this Site regarding taxation:

• Is based on current tax laws as of the publication date
• May not reflect recent amendments, budget announcements, or notifications
• Does not consider your specific tax situation, residential status, or deductions
• Should not be relied upon for tax filing or planning

Consult a qualified chartered accountant (CA) or tax advisor for personalized tax advice.

Fistotex is not registered with or regulated by:

• Securities and Exchange Board of India (SEBI)
• Reserve Bank of India (RBI)
• Insurance Regulatory and Development Authority of India (IRDAI)
• Pension Fund Regulatory and Development Authority (PFRDA)

We do not sell financial products, manage portfolios, or provide investment advisory services requiring registration.

The Site contains links to third-party websites for your convenience. These include:

• News source websites (Mint, Moneycontrol, Economic Times)
• Financial institution websites (banks, AMCs, insurance companies)
• Government portals (Income Tax, EPFO, NSDL, etc.)

We do not control, endorse, or take responsibility for the content, accuracy, privacy policies, or practices of any third-party websites.

To the maximum extent permitted by law:

• Fistotex and its owners, employees, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Site.
• This includes damages for loss of profits, data, goodwill, or other intangible losses.
• Our total liability shall not exceed the amount you paid to use the Site (which is zero).

You agree to indemnify and hold harmless Fistotex, its owners, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Site
• Your violation of these terms
• Your reliance on any information from the Site
• Any financial decisions you make based on Site content

This Disclaimer shall be governed by and construed in accordance with the laws of India. Any disputes arising from or related to this Disclaimer or the Site shall be subject to the exclusive jurisdiction of the courts in India.

We may update this Disclaimer from time to time. The "Last Updated" date at the top of this page will reflect the most recent changes. Your continued use of the Site constitutes acceptance of the updated Disclaimer.

If you have questions about this Disclaimer, please contact us:

• Email: contact@fistotex.com
• Website: https://www.fistotex.com/contact