Terms & Conditions

1. Acceptance of Terms

By accessing and using Vitta Ganak ("the App," "the Calculator"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use the application.

2. Description of Service

Vitta Ganak is a free, web-based financial calculator that provides tools for:

• SIP (Systematic Investment Plan) calculations with goal planning
• FIRE (Financial Independence, Retire Early) planning
• EMI and loan amortization calculations
• NPS (National Pension System) planning
• PPF (Public Provident Fund) projections
• SSY (Sukanya Samriddhi Yojana) projections
• APY (Atal Pension Yojana) premium calculations
• Cross-scheme investment comparison

3. Disclaimer of Financial Advice

• The App does not provide financial, investment, tax, or legal advice.
• Actual investment returns may differ significantly from projections due to market conditions, policy changes, and other factors.
• Interest rates for government schemes (PPF, SSY, NPS, APY) are subject to periodic revision by the Government of India.
• You should always consult a qualified financial advisor before making any investment decisions.
• Past performance is not indicative of future results.

4. Accuracy of Information

While we strive to ensure that the calculator provides accurate results, we make no warranty or representation regarding the accuracy, completeness, or reliability of the calculations. The default rates (PPF 7.1%, SSY 8.2%, etc.) reflect rates as of the last update date and may have changed since.

5. Use of the App

You agree to use the App only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the App in any way that violates applicable laws or regulations.
• Attempt to reverse-engineer, decompile, or disassemble the application.
• Use automated systems (bots, scrapers) to access the App excessively.
• Reproduce, duplicate, or exploit the App for commercial purposes without permission.
• Interfere with the proper functioning of the App.

6. Intellectual Property

All content, design, code, and functionality of Vitta Ganak are the intellectual property of the App owner and are protected by copyright and other intellectual property laws. Third-party libraries (Tailwind CSS, Chart.js) are used under their respective open-source licenses.

7. Advertisements

This App displays advertisements served by Google AdSense. By using the App, you acknowledge that:

• Advertisements may be displayed throughout the application.
• We are not responsible for the content of third-party advertisements.
• Clicking on advertisements will take you to third-party websites governed by their own terms and privacy policies.
• Ad personalization is managed by Google and can be controlled via your Google account settings.

8. Limitation of Liability

To the fullest extent permitted by law, WealthBuilder 2.0, its owners, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of, or inability to use, the App.
• Any financial decisions made based on the App's calculations.
• Any errors or inaccuracies in calculations or displayed information.
• Any loss of data or profits arising from the use of the App.

9. Indemnification

You agree to indemnify, defend, and hold harmless the App owner and its affiliates from any claims, damages, losses, or expenses arising from your use of the App or violation of these Terms.

10. Modifications to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting on this page. Your continued use of the App after changes constitutes acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts in India.

12. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

13. Contact

If you have any questions about these Terms & Conditions, please contact us through the website.