By accessing and utilizing the calculators, blog guides, and materials on Innocent Investor (`www.innocentinvestor.in`), you agree to comply with the terms of service outlined below.
1. Scope of Service
All calculators, equations, graphs, tax parameters, and text content are provided **free of charge** and strictly for **educational and analytical purposes**. We do not charge fees, maintain memberships, or facilitate trading transactions.
2. Accuracy & No Warranties
While we strive to ensure that all financial formulas (SIP, CAGR, DCF, Graham intrinsic value, Loan EMIs, and brokerage taxes) reflect current guidelines and mathematical precision, we provide the tools on an **"as-is" and "as-available" basis** with no warranty of any kind.
Tax laws (STCG, LTCG) and brokerage parameters change frequently. We hold no liability for discrepancies, math bugs, or stale parameters. Always double-check calculations before committing capital.
3. Not Financial Advice
We are not registered SEBI investment advisors, brokers, or chartered accountants. The outputs generated by our calculators do not constitute investment recommendations or buy/sell calls. Any investment decisions you make are entirely at your own risk.
4. User Responsibility
You are solely responsible for verifying the suitability of any investment path. Stock market and mutual fund investments carry severe downside risk.