Disclaimer

1. Nature of content

All content published on HonestMoney.in — including articles, calculators, tables, FAQ sections, and any visual content — is provided for general informational and educational purposes only. The content reflects the editorial team's analysis of publicly available data at the time of publication.

Personal finance is highly individual. The same product (a credit card, a mutual fund, an education loan, an insurance policy) that is right for one household may be wrong for another. Our content discusses these products in general terms and cannot account for your specific income, tax bracket, family situation, risk tolerance, time horizon, or financial goals.

2. Not investment advice

HonestMoney.in is not a SEBI-registered Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013. We do not provide personalised investment advice, portfolio management services, or buy/sell recommendations on any security.

When our content discusses mutual funds, stocks, bonds, or any other investment product, the discussion is illustrative and educational. It is not a recommendation to buy, sell, or hold any specific security. For personalised investment advice, please consult a SEBI-registered Investment Adviser (RIA) — you can find a list at sebi.gov.in.

Past performance is not indicative of future results. All investments carry risk, including potential loss of principal. Market-linked products (equity mutual funds, stocks, bonds, crypto) can lose value.

3. Not insurance advice

HonestMoney.in is not an IRDAI-licensed insurance agent, broker, or web aggregator. Our discussions of term insurance, health insurance, motor insurance, or any other insurance product are educational analyses of publicly available product features and IRDAI disclosures. For policy selection, claims, and insurance-specific queries, consult an IRDAI-licensed insurance advisor.

4. Not tax advice

Our content on income tax, capital gains, Section 80C, 80D, 80E, GST, and other tax matters reflects the editorial team's interpretation of publicly available Income Tax Act sections, CBDT circulars, and Budget documents at the time of publication.

Tax law is complex and changes frequently. Your tax position depends on your residency status, income sources, deductions, and personal circumstances. For tax filing, planning, and tax-related decisions, consult a qualified Chartered Accountant.

5. Accuracy of information

We make best efforts to ensure all rates, fees, eligibility criteria, regulatory provisions, and product details are accurate at the time of publication. We use only publicly available sources: AMFI NAV feeds, AMC factsheets, BSE/NSE filings, bank product pages, RBI master directions, IRDAI disclosures, CBDT circulars, and similar.

Financial products and regulations change frequently. Interest rates change, schemes get discontinued, eligibility windows shift, tax provisions are amended. While we update articles when we learn of material changes, there can be a lag between regulatory change and content update.

Always verify current rates, fees, and eligibility directly with the relevant bank, AMC, insurer, or government authority before making any financial decision. The "dateModified" stamp on each article shows when it was last verified.

6. Third-party products and brands

Our content mentions specific banks, AMCs, NBFCs, insurance companies, and financial products by name. These mentions are editorial and based on publicly available data. They are not endorsements, recommendations, or sponsorships.

All trademarks, logos, brand names, and product names mentioned belong to their respective owners. We use these names solely for identification and editorial purposes.

7. No affiliate or sponsored content

HonestMoney.in does not use affiliate links, referral codes, or sponsored content. We do not receive commissions from any financial product mentioned on this site. We do not accept payment for editorial coverage. If you read about a product here, the mention is based on the data, not on a commercial relationship.

8. External links

We link to external websites (regulatory bodies, bank websites, AMC pages, government portals) for source verification. We are not responsible for the content, accuracy, or availability of external sites. Following an external link is at your own discretion.

9. Limitation of liability

To the maximum extent permitted by law, HonestMoney.in, its editorial team, and its parent organisation shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or reliance on, any content published on this site. Financial decisions you make based on our content are your responsibility.

10. Changes to this disclaimer

We may update this disclaimer from time to time to reflect changes in our editorial practices, regulatory requirements, or for legal reasons. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the site after a disclaimer update constitutes acceptance of the revised terms.