Disclaimer
Disclaimer for Ridhi.com Readers
Ridhi.com publishes Indian personal finance education content, calculators and explainers to help readers understand money decisions better. Our content is for general information only and should not be treated as personalised financial, tax, legal, investment, insurance or loan advice.
Last updated: 1 June 2026
Quick summary
Use Ridhi as education, not as final advice.
Our articles and calculators can help you understand concepts, compare options and ask better questions. Before making financial decisions, verify current rules, rates and product terms from official sources, providers or qualified professionals.
1. General Information Only
The information on Ridhi.com is provided for general educational and informational purposes. It is not intended to be a substitute for professional advice tailored to your personal situation.
Not personal advice
We do not know your full income, expenses, family responsibilities, debts, risk profile, goals, tax status or product eligibility.
Not a recommendation
References to products, categories, calculators or examples should not be treated as a recommendation to buy, sell, borrow, invest or apply.
Verify before acting
Rules, rates, slabs, limits, charges, eligibility and product terms can change. Always verify current information before making decisions.
2. No Financial, Tax, Legal or Investment Advice
Ridhi.com does not provide personalised financial planning, tax filing, legal advice, investment advisory, insurance advisory, loan advisory or wealth management services.
Money decisions
Do not make investments, borrow money, buy insurance, close loans, switch tax regimes or change salary structure only because of website content.
Professional help
For personalised decisions, consult a qualified financial adviser, tax professional, lawyer, insurance adviser, lender or other relevant expert.
Reader responsibility
You are responsible for evaluating whether any information, example, calculator result or product feature applies to your situation.
3. Calculator and Example Disclaimer
Ridhi calculators, tables and examples are designed to simplify understanding. They may use assumptions, simplified formulas, rounded figures or sample inputs. Actual results can vary depending on your exact situation and current rules.
Salary calculators
In-hand salary can vary by employer policy, salary structure, state professional tax, deductions, reimbursements, benefits and payroll rules.
Tax calculators
Tax results can vary based on assessment year, regime selection, deductions, exemptions, surcharge, cess, residential status and latest tax rules.
Loan and SIP calculators
EMI, SIP, FD, EPF and investment outputs are estimates. Actual rates, returns, charges, taxes, penalties and timelines may differ.
4. No Guaranteed Outcomes
Ridhi.com does not guarantee financial results, tax savings, investment returns, loan approval, credit score improvement, insurance approval, claim settlement, salary increase or any other outcome.
No return guarantee
Investment examples are illustrative. Market-linked products can rise or fall, and past performance does not guarantee future returns.
No loan guarantee
Loan eligibility, interest rate, processing fee, approval and disbursal depend on the lender, credit score, income, documents and policy.
No insurance guarantee
Insurance premiums, underwriting, exclusions, waiting periods, claim approval and benefits depend on the insurer and policy terms.
5. Tax and Regulatory Information Can Change
Tax slabs, deductions, exemptions, standard deduction, EPF interest, RBI rates, loan rates, insurance rules, contribution limits, penalties, forms and filing deadlines may change due to Budget announcements, regulator updates, provider policies or law changes.
Before acting, verify current information from official sources such as Income Tax Department, RBI, SEBI, IRDAI, EPFO, PFRDA, banks, insurers, AMCs, lenders or relevant government portals.
6. Investment and Market Risk
Content about SIPs, mutual funds, stocks, ETFs, gold, debt funds, government schemes or any investment product is for education only. It should not be treated as investment advice or a buy/sell/hold recommendation.
Important
Market-linked investments carry risk.
Mutual fund investments are subject to market risks. Past performance does not guarantee future returns. Read all scheme-related documents and consult a qualified adviser where required.
7. Insurance Disclaimer
Insurance content on Ridhi.com is for general education. Premiums, riders, exclusions, waiting periods, claim rules, sum insured, coverage and eligibility vary by insurer, product, age, health, occupation, location and underwriting decision.
Insurance is a subject matter of solicitation. Please read the policy document carefully before purchasing any insurance product.
8. Accuracy and Completeness
We aim to publish accurate, practical and useful information. However, Ridhi.com does not guarantee that every article, calculator, example, table, image, link, figure or explanation is always complete, current, error-free or suitable for every reader.
If you notice an error, outdated detail or unclear explanation, please contact us so we can review it.
9. External Links and Third-Party Websites
Ridhi.com may link to external websites including official portals, banks, insurers, regulators, mutual fund companies, lenders, tools, calculators, advertisers, affiliate partners or other resources.
We are not responsible for the content, accuracy, security, privacy practices, pricing, product terms, claims or availability of third-party websites. Visiting external links is at your own discretion.
10. Advertising and Affiliate Disclosure
Ridhi.com may display advertisements, sponsored placements, affiliate links or partner links. We may earn revenue if you click certain links, view ads, apply for products or make purchases through third-party websites.
Advertising or affiliate revenue should not be interpreted as a guarantee, endorsement or personalised recommendation. Product availability, rates, fees, benefits and eligibility can change without notice.
11. User Responsibility
By using Ridhi.com, you agree that you are responsible for your own financial decisions and for verifying information before relying on it. You should not submit sensitive personal, financial or identification information through public comments or unsecured channels.
Any action you take based on Ridhi.com content is at your own risk. Ridhi.com is not liable for losses, damages, missed opportunities, wrong decisions, calculation errors, outdated information or reliance on third-party content.
12. Changes to This Disclaimer
We may update this Disclaimer from time to time to reflect changes in our website, content, tools, monetisation, regulations or editorial practices.
The updated version will be posted on this page with a revised “Last updated” date. Continued use of Ridhi.com means you accept the updated Disclaimer.
Questions or corrections?
Help us keep Ridhi useful and accurate.
If you find an error, outdated figure, broken link or unclear explanation, please contact us so we can review it.