Financial Disclaimer & Terms of Use

Last updated: October 2026

Please read this Financial Disclaimer carefully before utilizing any tools, calculators, guides, or articles published on svacron.com (referred to as “the Website”, “we”, or “our”).

1. Educational & Informational Purpose Only

All financial calculators, amortization tables, tax estimators, return projections, and articles provided on Svacron are designed strictly for educational, illustrative, and personal planning purposes only. Nothing on this website constitutes, or should be construed as:

  • Investment advice or a personal recommendation to buy, hold, or sell any security, mutual fund, stock, or debenture.
  • Professional legal, accounting, or tax advisory services under the Indian Income Tax Act or GST statutes.
  • A loan approval, credit guarantee, or binding quotation on behalf of any commercial bank, NBFC, or e-commerce marketplace.

2. Not a SEBI Registered Investment Advisor

Svacron is a technology platform and is not registered as an Investment Advisor or Research Analyst with the Securities and Exchange Board of India (SEBI). The projections produced by our investment calculators (such as SIP, SWP, CAGR, or Lumpsum) are based purely on user-defined rate assumptions and mathematical compounding formulas. They do not forecast future market movements or assure returns. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing.

3. Accuracy & Computational Limitations

While we take extraordinary care to ensure our algorithms reflect prevailing financial standards, interest rate formulas, and taxation slabs:

  • Rounding Differences: Banks and financial institutions use internal daily interest accrual conventions, leap year adjustments, and localized rounding rules that may cause minor variations (typically a few rupees) compared to standard monthly amortization formulas.
  • Dynamic Tax & Bank Charges: Statutory tax rates (such as GST on bank financial services, surcharge rates, and Section 87A rebate rules) and lender processing fees are subject to revision by the Ministry of Finance, the RBI, or individual card-issuing banks without prior notice.
  • No Guarantee of Completeness: We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the calculations for your individual tax situation.

4. Independent Professional Consultation

Before undertaking major financial commitments—such as executing home loan prepayments, selecting an income tax regime, purchasing high-ticket goods on No Cost EMI, or formulating a retirement withdrawal plan—we strongly recommend consulting a certified financial planner (CFP), SEBI-registered investment advisor (RIA), or qualified Chartered Accountant (CA).

5. Limitation of Liability

In no event shall Svacron, its developers, or affiliates be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your reliance on the tools, calculators, or content available on this website.

6. Contact Us

If you have questions regarding this disclaimer, or wish to report a mathematical discrepancy, please contact our editorial team at svacron@gmail.com.