Last updated: 13 August 2026
Welcome to SmartPlan Finance. By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.
SmartPlan Finance is a financial education and planning platform that provides educational articles, calculators, financial planning tools, AI-powered features, and other informational resources.
The website is designed to help users understand personal finance concepts and explore financial scenarios. It does not provide personalised financial, investment, tax, legal, accounting, or other professional advice.
All information published on SmartPlan Finance is provided for general educational and informational purposes.
Articles, calculators, financial examples, projections, reports, comparisons, and other tools are intended to help users understand financial concepts and explore possible scenarios.
Information provided by SmartPlan Finance should not be treated as personalised financial, investment, tax, legal, accounting, insurance, or other professional advice.
SmartPlan Finance provides calculators and planning tools including, but not limited to, SIP, investment, retirement, loan, EMI, tax, FD, SWP, CAGR, XIRR, inflation, salary, net worth, and financial planning calculators.
The results produced by these tools are estimates based on the information and assumptions entered by the user. Actual results may differ significantly.
Calculator results should not be interpreted as guarantees of investment returns, loan approval, tax liability, financial performance, or future wealth.
Certain features of SmartPlan Finance may use artificial intelligence or machine-learning technologies to generate articles, financial explanations, summaries, reports, research insights, or responses.
AI-generated information may contain errors, omissions, outdated information, or inaccurate interpretations. Users should independently verify important information before relying on it.
AI-generated information is not a substitute for advice from a qualified financial, tax, legal, investment, or other professional.
Investments in securities, mutual funds, stocks, bonds, and other financial products involve risk.
Past performance does not guarantee future results. Investment values may increase or decrease, and investors may lose some or all of their invested capital.
SmartPlan Finance does not guarantee investment returns, financial success, or achievement of any financial goal.
Users are responsible for evaluating their own financial circumstances before making financial or investment decisions.
You should consider factors such as your income, expenses, debts, financial goals, investment horizon, tax position, liquidity requirements, and risk tolerance before making financial decisions.
Where appropriate, users should consult a qualified professional before making significant financial, investment, tax, legal, insurance, or borrowing decisions.
Certain features of SmartPlan Finance may require users to create an account.
Depending on the feature, registration may require information such as your name, mobile number, email address, or password.
By creating an account, you agree to:
We reserve the right to suspend or terminate accounts where we reasonably believe that the account is being used in violation of these Terms, applicable law, or in a manner that may harm the website or other users.
You agree not to misuse SmartPlan Finance or attempt to interfere with its operation.
You must not:
Unless otherwise stated, the articles, written content, calculators, graphics, logos, branding, website design, original tools, and other materials published by SmartPlan Finance are owned by or licensed to SmartPlan Finance.
You may access and use the website for personal, non-commercial purposes.
Unauthorized reproduction, modification, commercial redistribution, republication, or exploitation of our original content is prohibited without prior written permission, except where permitted by applicable law.
SmartPlan Finance may contain links to third-party websites, applications, financial institutions, investment platforms, products, services, or other external resources.
These links are provided for convenience and informational purposes. SmartPlan Finance does not control third-party websites and does not guarantee the accuracy, availability, security, privacy practices, products, or services provided by third parties.
Your use of a third-party website or service is subject to that third party's own terms, conditions, and privacy policy.
Some links on SmartPlan Finance may be affiliate, referral, or partner links.
If you use an eligible link and subsequently become a customer of a third-party service, SmartPlan Finance may receive a commission or referral fee at no additional cost to you.
The existence of an affiliate or referral relationship does not mean that the linked product or service is suitable for every individual.
Users should independently evaluate any financial product or service before making a decision.
SmartPlan Finance does not itself provide loans, act as a lender, approve loans, determine creditworthiness, or make lending decisions.
Any loan assistance, loan inquiry, callback request, or related submission made through the website may be used to connect users with independent banks, lenders, financial institutions, or other relevant service providers.
Loan eligibility, approval, interest rates, fees, tenure, documentation requirements, and other loan terms are determined solely by the respective lender or financial institution.
SmartPlan Finance does not guarantee loan approval, eligibility, interest rates, or any particular loan terms.
We make reasonable efforts to maintain accurate and useful information, but we do not guarantee that all information on the website will always be complete, accurate, current, error-free, or suitable for a particular purpose.
We also do not guarantee that the website, calculators, AI-powered features, or other services will always be available, uninterrupted, secure, or free from errors.
To the extent permitted by applicable law, SmartPlan Finance and its owner shall not be liable for any direct, indirect, incidental, consequential, special, or other loss arising from or related to the use of the website, reliance on its content, use of its calculators, AI-generated information, third-party services, or financial decisions made by users.
Nothing in these Terms is intended to exclude or limit any liability that cannot lawfully be excluded or limited under applicable law.
Your use of SmartPlan Finance is also subject to our Privacy Policy, which explains how information may be collected, used, stored, and processed.
Please review our Privacy Policy for additional information.
SmartPlan Finance may add, modify, suspend, or discontinue features, tools, calculators, content, or services at any time.
We may also update or remove information when necessary to improve accuracy, functionality, security, or user experience.
We may update these Terms & Conditions from time to time. When changes are made, the updated version will be published on this page with a revised "Last updated" date.
Your continued use of SmartPlan Finance after updated Terms are published constitutes acceptance of the revised Terms, to the extent permitted by applicable law.
These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of India.
Subject to applicable law, disputes relating to the use of SmartPlan Finance shall be subject to the jurisdiction of the competent courts in India.
If you have questions regarding these Terms & Conditions, please contact us at:
Support: support@smartplanfinance.com