Terms of Service

Last Updated: November 6, 2025

Welcome to Lumpsum Calculator. By accessing or using our Website (lumpsum-calculator.com), you agree to be bound by these Terms of Service ("Terms"). Please read them carefully before using our services.

1. Acceptance of Terms

By accessing, browsing, or using Lumpsum Calculator (the "Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Website.

These Terms constitute a legally binding agreement between you ("User" or "you") and Lumpsum Calculator ("we," "us," or "our"). We reserve the right to modify these Terms at any time. Your continued use of the Website after changes indicates your acceptance of the updated Terms.

2. Service Description

Lumpsum Calculator provides free online financial calculators and educational content to help users plan mutual fund investments. Our services include:

• Investment Calculators: Tools to calculate returns on lumpsum investments, SIPs, SWPs, and comparison calculators
• Educational Guides: Articles and guides explaining investment concepts, strategies, and best practices
• Interactive Tools: Charts, graphs, and visualizations to understand investment projections

All services are provided free of charge and require no registration or account creation. The Website is accessible to anyone with an internet connection and a web browser.

3. User Obligations

When using our Website, you agree to:

3.1 Acceptable Use

• Use the Website only for lawful purposes and in accordance with these Terms
• Provide accurate information when using our calculators
• Not attempt to interfere with the proper functioning of the Website
• Not use automated tools (bots, scrapers) to access or extract data from the Website
• Not reverse engineer, decompile, or disassemble any part of the Website

3.2 Prohibited Activities

You must NOT:

• Use the Website for any illegal or unauthorized purpose
• Transmit viruses, malware, or any malicious code
• Attempt to gain unauthorized access to our systems or networks
• Impersonate any person or entity, or falsely state or misrepresent your affiliation
• Collect or harvest personal information about other users
• Engage in any activity that could damage, disable, or impair the Website
• Use the Website to distribute spam, phishing attempts, or fraudulent content

3.3 Compliance

You are responsible for ensuring that your use of the Website complies with all applicable laws and regulations in your jurisdiction. You agree to indemnify and hold us harmless from any claims arising from your violation of these Terms or applicable laws.

4. Service Limitations

While we strive to provide accurate and reliable services, please note the following limitations:

4.1 Availability

• The Website is provided on an "as-is" and "as-available" basis
• We do not guarantee uninterrupted, timely, secure, or error-free service
• We may suspend or discontinue services temporarily for maintenance or updates
• We reserve the right to modify or discontinue services at any time without notice

4.2 Accuracy

• Calculator results are estimates based on the inputs you provide
• Actual investment returns may differ significantly from projections
• We do not guarantee the accuracy, completeness, or reliability of any information
• Content may contain errors, omissions, or outdated information

4.3 Technical Requirements

• You are responsible for your internet connection and device
• The Website requires a modern web browser with JavaScript enabled
• Some features may not work on older browsers or devices

5. Disclaimer of Warranties

IMPORTANT: Please read this section carefully as it limits our liability.

5.1 No Financial Advice

Our calculators and content are for educational and informational purposes only. They do NOT constitute:

• Financial advice or recommendations
• Investment advice or solicitation
• Tax, legal, or accounting advice
• Personalized financial planning

You should consult a certified financial advisor, tax professional, or legal expert before making any investment decisions.

5.2 Investment Risks

5.3 No Guarantees

We make NO warranties or representations about:

• The accuracy or reliability of calculator results
• The suitability of any investment strategy for your situation
• The performance of any mutual fund or investment
• The completeness or timeliness of information provided

5.4 Third-Party Content

Our Website may contain links to third-party websites or services. We do not endorse, control, or assume responsibility for any third-party content, products, or services. Your use of third-party websites is at your own risk.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

6.1 No Liability for Losses

We shall NOT be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use or inability to use the Website
• Investment decisions made based on our calculators or content
• Errors, omissions, or inaccuracies in calculator results
• Financial losses resulting from investment decisions
• Unauthorized access to or alteration of your data
• Service interruptions or technical failures

6.2 Maximum Liability

In any event, our total liability to you for all claims arising from your use of the Website shall not exceed ₹100 (one hundred Indian Rupees).

6.3 User Responsibility

You acknowledge and agree that:

• You use the Website entirely at your own risk
• You are solely responsible for your investment decisions
• You should verify all information independently before acting on it
• You should consult professional advisors for personalized advice

7. Intellectual Property

All content on the Website, including text, graphics, logos, calculators, code, and design, is the property of Lumpsum Calculator or its licensors and is protected by copyright, trademark, and other intellectual property laws.

7.1 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes. You may NOT:

• Copy, modify, or distribute our content without permission
• Use our calculators or content for commercial purposes
• Remove copyright or proprietary notices
• Create derivative works based on our content

7.2 User-Generated Content

If you submit feedback, suggestions, or comments to us, you grant us a perpetual, royalty-free license to use, modify, and incorporate such content into our services without compensation or attribution.

8. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. We will update the "Last Updated" date at the top of this page.

Your continued use of the Website after changes constitutes your acceptance of the updated Terms. We recommend reviewing these Terms periodically.

For significant changes, we may display a notice on the Website for 30 days. However, we are not obligated to provide individual notice of changes.

9. Termination

We reserve the right to terminate or suspend your access to the Website at any time, without notice, for any reason, including:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Technical or security reasons

Upon termination, your right to use the Website will immediately cease. All provisions of these Terms that should reasonably survive termination will remain in effect.

10. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Website shall be resolved through good faith negotiation. If negotiation fails, disputes may be resolved through binding arbitration or in courts of competent jurisdiction.

11. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Lumpsum Calculator regarding your use of the Website. They supersede all prior agreements, understandings, and communications.

13. Contact Us

If you have questions, concerns, or feedback regarding these Terms of Service, please contact us:

• Email: contact@lumpsum-calculator.com
• Response Time: We typically respond within 24-48 hours

We value your feedback and will address your concerns promptly.