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Terms of Service & Disclaimer

Please read carefully. By using SmartFinanceLounge you agree to these terms and to the educational-only nature of everything on this site.

Last updated: July 2026

Educational disclaimer

All content on SmartFinanceLounge — articles, guides, videos, infographics, calculators, and any other material — is provided for general educational and informational purposes only. It is not personalised investment, tax, legal, accounting, or financial advice.

We do not know your individual circumstances, goals, income, dependents, debts or risk tolerance. Nothing on this site is a recommendation to buy, sell or hold any specific product, security, mutual fund, insurance policy, or service. We are not SEBI-registered as investment advisers to individual clients and do not offer that service through this website.

Investing involves risk, including loss of capital. Past performance is not indicative of future results. Tax and regulatory rules in India (income tax slabs, EPF/PPF rates, SEBI regulations, RBI guidelines) change from time to time. Before acting on anything you read here, consult a qualified, SEBI-registered investment adviser, chartered accountant, or lawyer in your jurisdiction as appropriate.

By using this site you agree that SmartFinanceLounge and its team are not liable for any losses, damages, or decisions made based on its content.

1. Educational purpose only

SmartFinanceLounge is an India-focused personal finance education website. Our content covers topics such as ITR, income tax, TDS, SEBI-registered mutual funds, RBI regulations, NPS, EPF, PPF, Section 80C, UPI, budgeting, and financial planning. All content is educational.

You should not treat any information on this site as a recommendation for any specific financial product, strategy, or decision. Always do your own research and consult a qualified professional before making important financial decisions.

2. No professional relationship

Your use of this site does not create any advisor-client or professional relationship between you and SmartFinanceLounge. We do not have access to your specific financial situation, KYC data, or investment holdings.

3. Accuracy of information

We try to keep information accurate and current, but we cannot guarantee that all content is complete, correct, or up to date at all times. Indian tax slabs, EPF interest rates, SEBI regulations, and RBI policies change frequently. We are not responsible for any loss or damage arising from reliance on information on this site.

4. Third-party links and ads

This site may contain links to third-party websites and display advertisements from third-party networks (including Google AdSense). These third-party sites and ad creatives are not controlled by us, and we are not responsible for their content, products, services, or accuracy. Your interactions with third-party websites are solely between you and those sites.

5. Intellectual property

Unless otherwise stated, all text, graphics, logos, calculators, and other content on SmartFinanceLounge are our intellectual property. You may read, share links, and reference short quotes with attribution — you may not copy substantial portions of our content and republish it elsewhere without written permission.

6. Limitation of liability

To the maximum extent permitted by law, SmartFinanceLounge and its owners, writers, reviewers and editors will not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this website or its content.

7. Changes to these terms

We may update these Terms of Service & Disclaimer from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the site means you accept the revised terms.

8. Contact

Questions about these Terms? Email us at smartfinancelounge@gmail.com.