Terms of Service

By accessing and using SIPnHike ("the 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.

SIPnHike provides free online financial calculators including SIP Calculator, EMI Calculator, and Salary Hike Calculator. We also offer educational content, blog articles, and AI-powered mutual fund recommendations (Beta) across multiple currencies and regions.

• All calculators are provided for informational and educational purposes only
• Results are estimates based on the inputs you provide
• The Service supports multiple currencies: INR, USD, GBP, EUR, CAD, and AUD
• Content is available in multiple languages and locales

Permission is granted to temporarily access SIPnHike for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials
• Use automated systems to scrape or harvest data from the Service

Important: SIPnHike provides calculators and information for educational purposes only. This is not financial advice.

• All calculations are estimates and may not reflect actual results
• Past performance is not indicative of future results
• Investment decisions should be made after consulting with qualified financial advisors
• Market conditions, fees, taxes, and other factors can significantly impact actual returns
• We are not responsible for any financial decisions made based on our calculators
• Always verify calculations independently before making financial commitments

Our AI-powered mutual fund recommendations (Beta feature) are provided for informational purposes only:

• Recommendations are generated using historical data and may be incomplete or outdated
• AI systems can be inaccurate; always verify independently
• Not personalized financial advice; consult qualified advisors for investment decisions
• Mutual fund investments are subject to market risks
• Read all scheme-related documents carefully before investing

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Transmit any harmful, offensive, or inappropriate content
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any part of the Service
• Use the Service for any fraudulent or illegal activities
• Impersonate any person or entity

Your privacy is important to us. Our data practices are detailed in our Privacy Policy. By using the Service, you also agree to our privacy practices, including:

• Use of Firebase Analytics for anonymous usage tracking
• Google AdSense for advertising (where applicable)
• Local storage of your preferences in your browser
• Firebase App Check for security and abuse prevention

The Service integrates with third-party services including Google AdSense, Firebase Analytics, and Firebase App Check. Your use of these services is subject to their respective terms and policies:

• Google Terms of Service: https://policies.google.com/terms
• Firebase Terms of Service: https://firebase.google.com/terms

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

The information on this website is provided on an "as is" basis. To the fullest extent permitted by law, SIPnHike excludes all representations, warranties, conditions and terms.

• We do not warrant that the Service will be uninterrupted or error-free
• We are not liable for any direct, indirect, incidental, or consequential damages
• Our total liability shall not exceed the amount you paid to use the Service (which is zero for free services)
• Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you

You agree to defend, indemnify, and hold harmless SIPnHike and its affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from your use of the Service or violation of these Terms.

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will cease immediately.

These Terms shall be interpreted and governed by the laws of India, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts in India.

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.

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

If you have any questions about these Terms of Service, please contact us at sipnhike.app@gmail.com.