Disclaimer

1. Educational information only

FincalFY is published by Nisman Digital Lab (nismandigital.com). We publish FincalFY under the operating name Nisman Digital Lab; formal company registration under this name may not yet be complete.

FincalFY provides general information, tools, and calculators intended for educational and informational purposes only. Content on this Site is not tailored to your individual circumstances and should not be relied upon as a complete or authoritative statement of law, tax, investment, insurance, or financial planning requirements.

2. Not financial, legal, or tax advice

Nothing on the Site constitutes professional advice or a recommendation to buy, sell, hold, or engage in any transaction. FincalFY is not acting as your financial adviser, tax adviser, attorney, accountant, broker, or insurance agent.

You should consult qualified professionals before making financial decisions, including decisions relating to loans, investments, taxes, retirement, insurance, and estate planning.

3. Calculator limitations

Calculator outputs depend on the accuracy and completeness of your inputs, the assumptions built into each tool, rounding, and changing real-world conditions (including interest rates, fees, tax rules, inflation, and institutional policies). Results are estimates and may be wrong, incomplete, or outdated.

Different lenders, brokers, and tax authorities may use different formulas, compounding conventions, and effective dates. Always verify results with official disclosures, statements, and professional guidance.

4. No guarantee of accuracy or availability

We strive to keep the Site operational and information reasonably accurate, but we do not warrant that the Site will be uninterrupted, error-free, or free of harmful components. The Site and Services are provided on an “as is” and “as available” basis.

5. Third-party links and advertisements

The Site may contain links to third-party websites and may display advertisements (including through Google AdSense). Third-party content and ads are not controlled by FincalFY. Links and ads do not imply endorsement, affiliation, or accuracy of third-party information.

6. Jurisdiction-specific information

Financial rules differ by country and region (including India, the United States, the United Kingdom, the European Union, Germany, France, Brazil, and others). Information on the Site may not comply with the laws of your jurisdiction or reflect local product availability.

7. Limitation of liability (summary)

To the maximum extent permitted by law, FincalFY disclaims liability for any loss or damage arising from your use of, or reliance on, the Site or calculator outputs. See our Terms of Service for additional limitations.

8. Contact

Legal/privacy questions: contact@nismandigital.com

General inquiries: Contact.

Related: Privacy Policy, Cookie Policy.