Recently Updated
1. Acceptance of Terms
By accessing or using Gainii (gainii.com), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website.
These terms apply to all visitors, users, and others who access or use our website.
2. Our Services
Gainii provides:
- Free financial calculators (SIP, EMI, FD, Tax, etc.)
- Educational articles, guides, and comparisons on personal finance topics
- Product comparisons for credit cards, loans, insurance, and investments
- Tools to help you understand and plan your personal finances
Our services are provided "as is" and are subject to change without prior notice. We reserve the right to modify, suspend, or discontinue any part of our services at any time.
3. No Financial Advice
This is the most important section of these terms. Please read it carefully.
Gainii is an information and educational platform only. We are not a:
- Registered Investment Advisor (RIA) with SEBI
- Registered financial planner or broker
- Insurance advisor or IRDAI-regulated entity
- Bank or NBFC regulated by RBI
Nothing on Gainii constitutes financial, investment, tax, legal, or insurance advice. The content on our website is for general informational and educational purposes only.
Investment in mutual funds, stocks, and other securities is subject to market risk. Past performance is not indicative of future returns. All calculator results are estimates and should not be relied upon for actual financial planning without consulting a qualified professional.
Please consult a SEBI-registered financial advisor, a qualified CA, or a certified financial planner before making any financial decisions.
4. Accuracy of Content
We make every effort to ensure the information on Gainii is accurate and up-to-date. However:
- Financial data (interest rates, tax slabs, etc.) changes frequently and may not reflect the latest figures at any given moment
- Calculator results are estimates based on the values you enter. Actual results may differ.
- Product information (credit card offers, loan rates) is sourced from publicly available information and may not always be current
Always verify important financial data directly with the concerned bank, financial institution, or the official government source (e.g. RBI, SEBI, Income Tax Department website).
5. Intellectual Property
All content on Gainii — including text, articles, guides, calculator code, images, graphics, and design — is the intellectual property of Gainii and is protected by Indian copyright laws.
You may:
- Read and use our content for your personal, non-commercial use
- Share links to our pages on social media
- Quote limited portions with proper attribution and a link back to the original article
You may NOT:
- Copy, reproduce, or republish our content in full without written permission
- Use our content for commercial purposes without a licence
- Scrape, crawl, or use automated tools to extract data from our website
6. User Conduct
When using Gainii, you agree not to:
- Use our website for any unlawful purpose
- Attempt to gain unauthorised access to any part of our systems
- Submit false, misleading, or harmful information through our contact forms
- Interfere with or disrupt the functioning of our website
- Use our website to distribute spam, malware, or harmful content
7. Third-Party Links & Affiliate Links
Gainii contains links to third-party websites, including affiliate links. When you click certain links and sign up for a financial product, we may earn a commission. This does not cost you anything extra.
We are not responsible for the content, accuracy, privacy practices, or terms of service of third-party websites. Clicking external links means you leave Gainii and are subject to that website's own terms.
See our Affiliate Disclosure for full details on how we disclose paid relationships.
8. Limitation of Liability
To the maximum extent permitted by Indian law, Gainii and its team shall not be liable for:
- Any financial losses resulting from decisions made based on information on our website
- Errors, inaccuracies, or outdated information in our content
- Loss of data or technical issues affecting your use of our tools
- Any indirect, incidental, or consequential damages arising from your use of this website
Your use of Gainii is entirely at your own risk.
9. Indemnification
You agree to indemnify and hold Gainii harmless from any claims, losses, or damages arising out of your violation of these Terms of Service or your use of our website in a manner that damages a third party.
10. Termination
We reserve the right to restrict or terminate access to our website for any user who violates these Terms of Service, without prior notice. This includes users who attempt to misuse our platform or interfere with our services.
11. Governing Law
These Terms of Service are governed by and construed in accordance with the laws of India. Any disputes arising from your use of Gainii shall be subject to the exclusive jurisdiction of the courts located in India.
12. Changes to These Terms
We may update these Terms of Service from time to time. When we do, we will update the "Last Updated" date on this page. Your continued use of Gainii after changes are posted will constitute your acceptance of the updated terms.
We recommend reviewing this page periodically to stay informed about our terms.
13. Contact Us
If you have any questions about these Terms of Service, please contact us:
Email: legal@gainii.com
Website: gainii.com/contact.html