Welcome to Finance Kalakaar! These Terms and Conditions outline the rules and regulations for using our website, located at financekalakaar.com. By accessing or using this website, you agree to comply with these terms. If you do not agree with any part of these terms, please refrain from using our website.

1. Use of the Website

1.1. Eligibility
You must be at least 18 years old or have parental/guardian permission to use this website.

1.2. Permitted Use
You agree to use Finance Kalakaar for lawful purposes only. You may not:

• Use the website in any way that could harm its functionality or security.
• Attempt to gain unauthorized access to any part of the website.
• Use the website to distribute harmful software or malicious content.

1.3. Account Registration
If you create an account on our website:

• You are responsible for maintaining the confidentiality of your login credentials.
• You agree to provide accurate and complete information during registration.

2. Intellectual Property

2.1. Ownership
All content on this website, including text, images, logos, tools, and design elements, is the property of Finance Kalakaar or its licensors.

2.2. Restrictions
You may not:

• Copy, reproduce, distribute, or create derivative works from any part of the website without prior written consent.
• Use our content for commercial purposes without permission.

3. Financial Tools and Calculators

3.1. General Use
The tools provided on Finance Kalakaar, such as SIP calculators or tax estimators, are for informational and illustrative purposes only.

3.2. No Guarantee
We do not guarantee the accuracy or reliability of the results generated by these tools. They should not be considered as professional financial advice.

4. User-Generated Content

4.1. Responsibility
If you post comments, reviews, or other content on our website, you are solely responsible for ensuring that:

• Your content is accurate and lawful.
• It does not violate the rights of others or contain harmful material.

4.2. License
By submitting content, you grant Finance Kalakaar a non-exclusive, royalty-free, and perpetual license to use, display, and modify your content.

5. Disclaimer of Warranties

Finance Kalakaar provides this website on an “as-is” and “as-available” basis.

• We do not guarantee that the website will be error-free, secure, or continuously available.
• The information provided is not intended as financial, legal, or professional advice.

6. Limitation of Liability

To the fullest extent permitted by law, Finance Kalakaar and its team shall not be liable for any:

• Direct, indirect, or consequential damages.
• Loss of profits, data, or business arising from the use of this website.

7. Third-Party Links

Our website may contain links to third-party websites. These are provided for convenience only. Finance Kalakaar does not endorse or take responsibility for the content, products, or services offered by these external sites.

8. Privacy

Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, and protect your data. Please review it carefully.

9. Termination

We reserve the right to terminate or suspend access to our website without prior notice if you breach these Terms and Conditions or engage in prohibited activities.

10. Governing Law

These Terms and Conditions are governed by the laws of [Your Jurisdiction, e.g., India]. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts in [Your Jurisdiction].

11. Changes to Terms and Conditions

We reserve the right to update these Terms and Conditions at any time. Changes will be effective immediately upon posting. Continued use of the website constitutes your acceptance of the revised terms.