Using this site
By using SIPCafe, you agree to these terms and to follow any laws that apply to you where you live. If you don't agree with them, please don't use the site.
Ownership and copyright
The calculators, code, articles, design and the SIPCafe name and logo belong to SIPCafe and are protected by copyright. You're welcome to use the site for your own planning and to share links to any page. Copying, republishing, reworking or redistributing our content or code, or collecting it in bulk with automated tools, needs our written permission first.
Acceptable use
Don't use SIPCafe in a way that damages the site, slows it down or makes it unavailable to others, for example by flooding it with automated requests. Don't use it for anything unlawful, fraudulent or harmful.
Not financial advice
Our calculators and articles are for education and planning only. SIPCafe is not a registered investment adviser. We don't give investment, tax or legal advice, and we don't recommend any specific security, fund or scheme. Your situation is your own, so speak to a qualified professional before you decide. Our editorial policy explains how we write and check our content.
No guarantees
SIPCafe is provided “as is”. We work hard to keep it correct, but we can't promise that it will always be available, or that every calculation, rate, tax rule or article is complete, accurate or up to date. Results are estimates based on the figures you enter, and you rely on them at your own risk.
Errors and changes
Pages may contain technical or typing mistakes. We may change, add or remove calculators and content at any time without notice, but we can't promise to keep every page up to date. If you spot an error, please tell us.
Limitation of liability
As far as the law allows, SIPCafe is not liable for any loss that comes from using the site or relying on it, whether direct or indirect, including lost profits, savings, income, data or goodwill, even if we were told such a loss was possible. This also protects our authors, reviewers and contributors.
Your responsibility
If you break these terms and that causes SIPCafe a loss, claim or cost, including reasonable legal fees, you agree to cover it.
If these terms are broken
If someone breaks these terms, we may take the action we think is appropriate, including suspending or blocking their access to the site (for example by IP address) or taking legal action.
Links, ads and trademarks
SIPCafe links to other websites and shows ads from third parties such as Google. We don't control or review those sites or ads, and a link or an ad is not an endorsement. Names of banks, fund houses, schemes and other products belong to their owners and are used only to identify them.
Privacy
Your calculator inputs stay in your browser. Our privacy policy explains how we handle cookies, advertising and any data.
Accessibility
We want SIPCafe to work for everyone and aim to meet the WCAG 2.1 AA guidelines. Some parts, such as charts and the animated Time Machine, may be harder to use with assistive technology, so the key figures are also shown in result cards and tables. If something gets in your way, please let us know.
If part of these terms can't be enforced
If a court finds any part of these terms unenforceable, the rest still applies. By using the site, you accept that the limits in these terms are reasonable for a free service.
Changes and governing law
We may update these terms at any time. The version on this page applies whenever you use the site, and the date at the top shows when it last changed. These terms are governed by the laws of India.
Contact
Questions about these terms? Email us at support@sipcafe.net or use our contact page.