Disclaimer

1. Nature of Our Platform

FinMandi is an independent online platform that aggregates, compares, and presents publicly available information about financial products offered by banks, NBFCs, insurance companies, and other regulated entities in India.

• We are not licensed by the Reserve Bank of India (RBI) as a bank or NBFC
• We are not registered with the Securities and Exchange Board of India (SEBI) as an investment advisor or stock broker
• We are not licensed by the Insurance Regulatory and Development Authority of India (IRDAI) as an insurance broker or agent
• We are not an AMFI-registered Mutual Fund Distributor — mutual fund information is for educational reference only
• We do not accept deposits, lend money, issue insurance policies, or execute financial transactions of any kind

2. No Financial Advice

All content on FinMandi — including articles, FAQs, calculator results, product comparisons, rate tables, and chatbot responses — is provided for general informational and educational purposes only.

FinMandi's content does not take into account your individual financial situation, risk appetite, investment objectives, or tax position. What is suitable for one person may not be suitable for another.

3. Interest Rates & Financial Data

All interest rates, premiums, charges, returns, and other financial figures displayed on FinMandi are:

• Indicative and sourced from publicly available information on bank and institution websites
• Subject to change at any time without notice at the discretion of the respective institution
• Not guaranteed to be accurate, complete, or current at the time of viewing
• Not inclusive of all applicable fees, charges, taxes, or conditions that may apply
• Dependent on your individual credit profile, income, location, and other eligibility criteria

4. Calculator Disclaimer

The EMI, FD maturity, SIP, and other calculators on FinMandi are provided as self-help tools for approximate estimation only.

• Calculator results are based on the inputs you provide and standard mathematical formulas
• Results are approximations and may differ from actual figures due to processing fees, GST, rounding, and other factors
• SIP and mutual fund return projections are based on historical CAGR and do not guarantee future returns
• EMI calculations assume a fixed interest rate throughout the loan tenure, which may not apply to floating-rate loans
• FD maturity calculations assume quarterly compounding — actual compounding frequency may vary by institution

5. Mutual Funds & Investment Disclaimer

Any information about mutual funds, SIPs, or market-linked products on FinMandi is strictly for educational purposes.

• FinMandi does not recommend specific mutual fund schemes for investment
• Historical returns mentioned are for illustrative purposes only
• Invest only through AMFI-registered mutual fund distributors or directly through AMC platforms

6. Insurance Information Disclaimer

Insurance product information on FinMandi is for general awareness only.

• Policy terms, coverage, exclusions, and premiums vary significantly across insurers and individual profiles
• FinMandi does not issue, underwrite, or service any insurance policy
• All insurance purchases must be made directly through IRDAI-licensed insurers or brokers
• Always read the policy document and Key Facts Statement carefully before purchasing any insurance product
• Premium amounts shown are indicative starting prices and may vary based on age, health, location, and other factors

7. Third-Party Links & Products

FinMandi may contain links to third-party websites, products, or services including banks, NBFCs, insurance companies, and other financial institutions.

• We do not endorse, guarantee, or take responsibility for the content, accuracy, or practices of third-party websites
• Visiting third-party links is at your own risk and subject to their own terms and privacy policies
• FinMandi may earn referral commissions when you apply for products through our platform — this does not influence the information we present
• Our rankings and comparisons are based on publicly available data and are not paid placements unless explicitly disclosed

8. Affiliate & Referral Disclosure

In the interest of full transparency, FinMandi discloses the following:

• We may earn referral fees or commissions from banks, NBFCs, and insurers when users apply for products through our platform
• These commissions are paid by the financial institution and do not increase the cost to you in any way
• Referral arrangements do not influence our editorial content, product rankings, or rate comparisons
• Sponsored or featured placements, if any, will be explicitly disclosed with a "Sponsored" or "Featured" label
• Google AdSense advertisements are served by Google and are independent of our editorial recommendations

9. Limitation of Liability

To the fullest extent permitted by applicable Indian law, FinMandi, its owners, employees, and affiliates shall not be liable for:

• Any financial loss, damage, or harm arising from reliance on information published on this website
• Decisions made based on calculator results, rate comparisons, or product information on our platform
• Errors, omissions, or inaccuracies in financial data sourced from third parties
• Interruptions, delays, or technical errors in website availability
• Actions or omissions of third-party financial institutions linked from our platform

Your use of this website is entirely at your own risk. FinMandi's liability, if any, is limited to the extent mandated by applicable Indian law.

10. Accuracy of Information

While we make every effort to ensure that information on FinMandi is accurate and up to date, we make no warranty or representation — express or implied — regarding:

• The completeness, accuracy, or currency of any information on this website
• The fitness of any product or service for your particular purpose
• The availability of any financial product at the rates or terms described

Financial regulations, rates, and product features change frequently. Always verify current information directly with the relevant institution.

11. Governing Law

This Disclaimer and your use of FinMandi are governed by the laws of the Republic of India. Any disputes arising out of or in connection with this website shall be subject to the exclusive jurisdiction of the courts of India.

Applicable laws include but are not limited to: the Information Technology Act, 2000; the Consumer Protection Act, 2019; the Contract Act, 1872; the DPDP Act, 2023; and regulations issued by RBI, SEBI, and IRDAI from time to time.

12. Updates to This Disclaimer

FinMandi reserves the right to update or modify this Disclaimer at any time without prior notice. Changes take effect immediately upon posting. Continued use of the website after any changes constitutes your acceptance of the updated Disclaimer. We recommend reviewing this page periodically.