Disclaimer

Not Financial Advice

The calculators, articles, and all content on FINNCAL are provided for informational and educational purposes only. Nothing on this site constitutes:

• Financial advice or recommendations
• Investment advice
• Tax advice or tax planning recommendations
• Legal advice
• Insurance advice
• An offer to buy or sell any financial product

Calculator Limitations

Our calculators use simplified models and assumptions:

• Inflation: We use constant rates, but actual inflation varies significantly year to year
• Returns: Past performance doesn't guarantee future results; markets are unpredictable
• Expenses: Healthcare, lifestyle, and unexpected costs can vary dramatically
• Taxes: Tax laws change; our tools don't account for all tax scenarios
• Life events: Major unexpected events (health, family, economic) can change everything

Our projections are estimates to help you think about planning—not predictions of what will actually happen.

City & Cost of Living Data

Our city finder and cost of living data are based on publicly available information and general estimates. Actual living costs vary based on:

• Specific neighborhood within a city
• Personal lifestyle choices
• Family size and circumstances
• Time of assessment (costs change)

Always verify costs independently before making relocation decisions.

No Guarantees

We make no warranties or guarantees regarding:

• Accuracy of calculations or data
• Completeness of information
• Suitability for your specific situation
• Availability of the site or tools

Consult Professionals

Before making any financial decisions, please consult:

• A SEBI-registered financial advisor for investment planning
• A qualified tax professional for tax planning
• A lawyer for estate and legal matters
• An insurance advisor for coverage needs

These professionals can provide personalized advice based on your complete financial picture.

Your Responsibility

You are solely responsible for:

• Verifying any information before acting on it
• Seeking professional advice when needed
• All financial decisions you make
• Understanding the limitations of our tools

Third-Party Content

FINNCAL may contain links to external websites. We are not responsible for the content, accuracy, or practices of external sites.

Questions?

If you have questions about this disclaimer or our tools, please Contact Us