Terms of Use

Operating Entity

RupayWise.com (“the Site”) is owned and operated by Kompella Tech Pvt. Ltd., registered at 2nd Floor, Plot No. 4, Minarch Tower, Sector-44, Gurugram, Haryana — 122003, India.

Acceptance of Terms

By accessing and using this Site, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please do not use the Site.

Educational Purpose Only

RupayWise provides financial calculators, guides, and comparison tools for educational and informational purposes only. The content on this Site does not constitute:

• Investment advice under SEBI (Investment Advisers) Regulations, 2013
• Research analysis under SEBI (Research Analysts) Regulations, 2014
• Tax advice under the Income Tax Act, 1961
• Legal advice of any kind

Kompella Tech Pvt. Ltd. is not registered with SEBI as a Research Analyst (RA) or Investment Adviser (IA). Always consult a SEBI-registered financial advisor, chartered accountant, or legal professional before making financial decisions.

Calculator Accuracy & Disclaimer

We make reasonable efforts to ensure calculator accuracy. All calculation engines are validated with automated test suites. However:

• Calculator results are estimates based on the inputs and assumptions you provide. They are mathematical projections, not financial advice or guarantees of outcomes.
• Tax laws, stamp duty rates, interest rates, and regulations change frequently. While we update calculators promptly, there may be brief periods where data is not current.
• Calculators use simplified models. Real-world financial outcomes depend on factors beyond what any calculator can model.
• Results should not be the sole basis for financial decisions. Users should verify all calculations independently.

Data Sources

Data used in our calculators is sourced from official government publications including RBI, CBDT, Income Tax India, and state registration departments. Sources and dates are cited on each page. We do not guarantee the accuracy or completeness of third-party data.

Intellectual Property

All content, design, code, and calculators on RupayWise.com are the intellectual property of Kompella Tech Pvt. Ltd. You may share links to our pages and reference our content with proper attribution. You may not reproduce, copy, or redistribute our calculators, guide content, or any substantial portion of Site content without prior written permission.

User Conduct

You agree not to:

• Scrape, crawl, or use automated tools to extract data or content from this Site beyond what is permitted by our robots.txt
• Use automated scripts or bots to repeatedly access calculators for commercial purposes
• Attempt to reverse-engineer, decompile, or disassemble any calculator or software component
• Misrepresent RupayWise content as your own or remove attribution when sharing
• Use the Site for any unlawful purpose or in violation of applicable laws

Newsletter

By subscribing to our newsletter, you provide explicit consent to receive weekly emails about financial decision frameworks and updates about new calculators. You can withdraw consent and unsubscribe at any time using the link in each email. See our Privacy Policy for details on how we handle your data.

Limitation of Liability

To the maximum extent permitted by applicable law, Kompella Tech Pvt. Ltd., its founder, directors, employees, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• The use of or inability to use calculators, guides, or any content on this Site
• Any financial decisions made based on calculator results or content on this Site
• Any errors, inaccuracies, or omissions in calculator results or content
• Any unauthorized access to or alteration of your data

You use all tools and information on this Site at your own risk.

Indemnification

You agree to indemnify and hold harmless Kompella Tech Pvt. Ltd., its founder, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:

• Your violation of these Terms of Use
• Your infringement of any third-party intellectual property or other rights
• Any unlawful or unauthorized use of the Site by you

This indemnification obligation does not extend to claims arising solely from errors or inaccuracies in our calculators, content, or data — those are covered under the Limitation of Liability section above. Your indemnification obligation is limited to your own wrongful conduct.

Complaint Resolution

We are committed to resolving user complaints promptly:

• Acknowledgement: All complaints received at oi.allepmok@ecnaveirg will be acknowledged within 24 hours of receipt.
• Resolution: We will endeavour to resolve your complaint within 15 days of receipt. If the complaint requires additional investigation, we will inform you of the expected timeline.
• Escalation: If you are not satisfied with the resolution, you may escalate the matter to the appropriate regulatory authority or consumer forum.

This is in compliance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and the Consumer Protection Act, 2019.

Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes arising from or relating to the use of this Site shall be subject to the exclusive jurisdiction of the courts in Gurugram, Haryana, India.

Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Continued use of the Site after changes constitutes acceptance of the updated Terms. Material changes will be communicated to newsletter subscribers via email.

Contact

For questions about these Terms, contact us at oi.allepmok@ecnaveirg or write to: Kompella Tech Pvt. Ltd., 2nd Floor, Plot No. 4, Minarch Tower, Sector-44, Gurugram, Haryana — 122003, India.