Important Disclaimer
Please read this disclaimer carefully before using our calculators
General Investment Disclaimer
Smart SIP Calculator provides online tools for educational and informational purposes only. The calculations, projections, and results provided by our calculators are based on mathematical formulas and assumptions. These should not be considered as investment advice, financial recommendations, or guarantees of future performance.
Important: All investment decisions should be made after consulting with qualified financial advisors who can assess your individual financial situation, risk tolerance, and investment objectives.
Market Risk Disclosure
Mutual Fund Investments
- • Subject to market risks
- • Past performance is not indicative of future results
- • NAV may fluctuate based on market conditions
- • No guarantee of capital protection
SIP Investments
- • Returns depend on market performance
- • Rupee cost averaging doesn't guarantee profits
- • May experience periods of negative returns
- • Suitable for long-term investment only
Calculator Limitations
Our calculators have the following limitations that users must understand:
Assumption-Based Calculations
Results are based on assumed rates of return, which may not reflect actual market performance.
No Tax Considerations
Calculations do not account for taxes, fees, or charges that may apply to your investments.
Inflation Impact
Most calculations don't adjust for inflation, which can significantly affect real returns.
Market Volatility
Real market returns are volatile and may differ significantly from linear projections.
Risk Factors
Investment Risks Include:
- • Market Risk: Value may fluctuate with market conditions
- • Credit Risk: Risk of default by issuers (debt funds)
- • Liquidity Risk: Difficulty in selling investments
- • Interest Rate Risk: Impact of changing interest rates
- • Inflation Risk: Erosion of purchasing power
- • Currency Risk: For international investments
- • Regulatory Risk: Changes in laws and regulations
- • Fund Manager Risk: Dependency on management decisions
Accuracy and Reliability
While we strive to ensure the accuracy of our calculators, we make no warranties or representations regarding the completeness, accuracy, or reliability of the information provided. Users should:
- Verify all calculations independently
- Consult multiple sources for investment information
- Seek professional financial advice before making investment decisions
- Understand that actual results may vary significantly from projections
Professional Advice Required
Consult Financial Experts
Before making any investment decisions, please consult with:
- • Certified Financial Planners (CFP)
- • Registered Investment Advisors (RIA)
- • Tax consultants for tax implications
- • Legal advisors for regulatory compliance
Limitation of Liability
Smart SIP Calculator, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of our calculators or reliance on the information provided. This includes, but is not limited to:
- Financial losses from investment decisions
- Inaccuracy of calculations or projections
- Technical errors or system failures
- Missed investment opportunities
- Tax implications or penalties
Regulatory Compliance
This website and its calculators are not regulated by SEBI, RBI, or any other financial regulatory authority. We are not:
- A registered investment advisor
- A mutual fund distributor
- A financial services provider
- Authorized to provide investment advice
Updates and Changes
This disclaimer may be updated from time to time without prior notice. Continued use of our calculators after any changes constitutes acceptance of the updated disclaimer. Users are advised to review this disclaimer periodically.
Last Updated: January 2025
By using Smart SIP Calculator, you acknowledge that you have read, understood, and agree to be bound by this disclaimer and our Terms of Service.