Terms of Service

Last updated: August 21, 2025

Welcome to Goalwise. These Terms of Service ("Terms") govern your use of our website, investment calculators, and related services (collectively, the "Service") operated by Goalwise ("us", "we", or "our").

1. Acceptance of Terms

By accessing and using our Service, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Goalwise provides:

  • Free online investment calculators including SIP, Lumpsum, and Goal Planning tools
  • Educational content about financial planning and investment strategies
  • Investment guidance and resources for Indian investors
  • Tax-saving investment information and ELSS guidance

Our calculators are designed to provide estimates and projections based on the inputs you provide.

3. User Responsibilities

You agree to:

  • Use our Service only for lawful purposes and in accordance with these Terms
  • Provide accurate and complete information when using our calculators
  • Not use our Service for any fraudulent or malicious activities
  • Respect the intellectual property rights of Goalwise and third parties
  • Not attempt to reverse engineer, modify, or distribute our software

4. Disclaimer of Investment Advice

Important Notice

Goalwise does not provide investment advice. Our calculators and content are for educational and informational purposes only. The results generated by our tools are estimates based on assumptions and should not be considered as investment recommendations.

All investment decisions should be made after consulting with qualified financial advisors who can assess your individual financial situation, risk tolerance, and investment objectives.

5. Accuracy of Calculations

While we strive to ensure the accuracy of our calculators, we make no warranties or representations about the accuracy, reliability, or completeness of the calculations or results.

  • Market conditions and investment returns can vary significantly
  • Past performance does not guarantee future results
  • Actual investment outcomes may differ from calculated projections
  • Tax implications may vary based on individual circumstances

6. Risk Disclosure

Investment Risks

All investments carry risks, including:

  • Market risk: Value of investments can go down as well as up
  • Inflation risk: Returns may not keep pace with inflation
  • Liquidity risk: Some investments may be difficult to sell quickly
  • Credit risk: Issuers may default on their obligations
  • Currency risk: For international investments

Please read all scheme-related documents carefully before investing.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Goalwise shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.

In no event shall our total liability to you for all damages exceed the amount of fees paid by you to us (which is zero, as our service is free).

8. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Goalwise. The Service is protected by copyright, trademark, and other laws.

You may not:

  • Copy, modify, or distribute our content without permission
  • Use our calculators for commercial purposes without authorization
  • Remove any copyright or proprietary notices
  • Create derivative works based on our Service

9. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service. By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

Key Privacy Points:

  • • Calculator inputs are processed locally in your browser
  • • We don't store your financial calculation data permanently
  • • We use Google Analytics and AdSense for site improvement and monetization
  • • You can control cookie preferences in your browser

10. Third-Party Services

Our Service may contain links to third-party websites or services. We have no control over and assume no responsibility for:

  • The content, privacy policies, or practices of any third-party sites
  • Google Analytics data processing
  • Google AdSense advertisement serving
  • External investment platforms or financial institutions

11. Modifications to Service

We reserve the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

12. Governing Law

These Terms shall be interpreted and governed by the laws of India. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts in India.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect. This Terms constitutes the entire agreement between us regarding our Service.

14. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

15. Contact Information

If you have any questions about these Terms of Service, please contact us:

Email: [email protected]

Subject: Terms of Service Inquiry

For general support: [email protected]
For privacy concerns: [email protected]

Ready to Start Planning Your Financial Future?

Now that you understand our terms, start using our free calculators to plan your investments and achieve your financial goals.

Start CalculatingRead Investment Guide