Terms of Service

Welcome to Finance Chemistry (accessible at https://financechemistry.com/). These Terms of Service (“Terms”, “Agreement”) govern your access to and use of Finance Chemistry, including all web pages, subdomains, proprietary financial calculation tools, equity research reports, and associated mobile applications (collectively, the “Services”).

1. Acceptance of Terms & Eligibility

By visiting, browsing, creating an account, or otherwise utilizing any feature of Finance Chemistry, you acknowledge that you have read, understood, and agree to be bound by these Terms in full. If you do not agree with any provision set forth in this Agreement, you must immediately discontinue your use of the Services.

You represent and warrant that you are at least 18 years of age (or the legal age of majority in your jurisdiction) and have full legal capacity to enter into this contract. If you access or use the Services on behalf of a corporation, partnership, or other legal entity, you represent and warrant that you possess the authority to bind that entity to these Terms.

2. Educational & Research Nature of Services (No Investment Advice)

Finance Chemistry is an educational and financial research platform. Neither Finance Chemistry nor its authors, researchers, contributors, or operators are registered with the Securities and Exchange Board of India (SEBI) as Investment Advisers (RIA) or Research Analysts (RA) under the SEBI (Investment Advisers) Regulations, 2013, or SEBI (Research Analysts) Regulations, 2014, nor are they registered with the U.S. Securities and Exchange Commission (SEC) or any other regulatory financial authority.

• Not Financial Advice: All materials published on Finance Chemistry—including equity teardowns, valuation case studies, Discounted Cash Flow (DCF) scenarios, macroeconomic analyses, and blog articles—are generated solely for educational, academic, and informational purposes. No content shall be construed as a recommendation to buy, sell, or hold any security, equity, derivative, mutual fund, exchange-traded fund (ETF), commodity, or cryptocurrency.
• No Fiduciary Relationship: Transmission, receipt, or usage of information on this website does not create an investment advisory, broker-dealer, fiduciary, or client relationship between you and Finance Chemistry.
• Conduct Independent Due Diligence: Investing in securities and capital markets involves substantial risk of partial or total financial loss. You are solely responsible for your own investment decisions. We strongly advise consulting a licensed, certified, and SEBI-registered financial planner before executing any financial transaction.

3. Financial Calculators, Amortization Tools & Projections

Finance Chemistry provides comprehensive financial calculation tools—including Systematic Investment Plan (SIP) calculators, Compound Annual Growth Rate (CAGR) models, Loan Equated Monthly Installment (EMI) amortization tables, Step-Up SIP planners, and Extended Internal Rate of Return (XIRR) formulas.

• Mathematical Simulations Only: All calculators utilize standard algebraic compounding formulas and theoretical rate-of-return assumptions. They do not predict future capital market performance, inflation spikes, asset volatility, or tax liabilities.
• No Guarantees: Actual investment returns in real-world mutual funds or equities fluctuate daily according to underlying market movements, total expense ratios (TER), dividend reinvestments, exit loads, and applicable capital gains taxes. Finance Chemistry makes no warranties regarding the accuracy or future realization of simulated figures.
• Client-Side Execution: All numerical inputs and calculations run locally in your browser environment via JavaScript. Unless you explicitly save or export your data while signed in, your private financial parameters are not transmitted to or stored on our servers.

4. User Accounts, Authentication & Security (Google OAuth & Firebase)

Certain interactive features of Finance Chemistry—such as saving customized financial scenarios, portfolio watchlists, and cloud calculator synchronizations—may require creating a user account via Google OAuth or Email/Password authentication powered by Google Firebase.

• Account Security: You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately at support@financechemistry.com of any unauthorized access or security breach.
• Accurate Information: You agree to provide accurate, current, and complete information during registration and to promptly update such details as necessary.
• Account Termination & Deletion: We reserve the right to suspend or terminate accounts that violate these Terms, engage in abusive scraping, or compromise platform integrity. You may permanently delete your account and associated cloud data at any time via our Account Deletion Portal.

5. Intellectual Property Rights & Limited License

All content, graphics, visual user interfaces, interactive calculators, proprietary algorithms, financial models, articles, editorial analyses, source code, logos, and trademarks displayed on Finance Chemistry are the exclusive property of Finance Chemistry or its respective licensors and are protected under Indian and international copyright, trademark, and intellectual property laws.

• Limited Non-Exclusive License: Finance Chemistry grants you a revocable, non-exclusive, non-transferable, limited license to access and view content for personal, non-commercial educational use.
• Restrictions: You may not copy, reproduce, republish, mirror, scrape, frame, sell, license, modify, distribute, or reverse-engineer any portion of the Services without prior written authorization from Finance Chemistry.
• Academic Citation & Fair Use: Short excerpts of our written research may be cited for commentary or educational review, provided explicit attribution and a direct clickable hyperlink to the original Finance Chemistry article are included.

6. Acceptable Use Policy & Prohibited Conduct

When using the Services, you agree strictly not to engage in any of the following prohibited activities:

7. Third-Party Services, External Links & Advertising

Finance Chemistry integrates with trusted third-party providers to enhance functionality and support our free educational content:

• Google AdSense & Advertising: We may display contextual advertisements managed by Google AdSense and third-party ad networks. These vendors use cookies and web beacons to serve ads based on your prior visits. We do not endorse any product or service advertised through third-party ad units.
• Google Firebase: Cloud database, authentication, and hosting primitives are powered by Google Firebase and Google Cloud Platform under Google's enterprise terms and privacy frameworks.
• External Market Disclosures & Links: Our articles frequently reference primary regulatory filings (e.g., SEC EDGAR, BSE, NSE India, Reserve Bank of India, and Federal Reserve data). We are not responsible for the ongoing availability, operational uptime, or content accuracy of external third-party websites.

8. Disclaimer of Warranties (“As-Is” & “As-Available”)

THE SERVICES, INCLUDING ALL CONTENT, FINANCIAL CALCULATORS, PROJECTIONS, AND RESEARCH REPORTS, ARE PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, FINANCE CHEMISTRY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, NON-INFRINGEMENT, AND FREEDOM FROM COMPUTER VIRUSES OR HARMFUL COMPONENTS. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, TIMELY, OR ENTIRELY SECURE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINANCE CHEMISTRY, ITS FOUNDERS, AUTHORS, RESEARCHERS, DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF CAPITAL, TRADING LOSSES, INVESTMENT IMPAIRMENTS, LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF DATA, OR LOSS OF REPUTATION) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE SERVICES, OR RELIANCE ON ANY CALCULATION, MODEL, OR OPINION EXPRESSED ON THIS PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. Indemnification

You agree to defend, indemnify, and hold harmless Finance Chemistry, its operators, contributors, affiliates, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or legal fees arising out of or relating to your violation of these Terms, your misuse of the Services, or any investment decision you undertake based upon content published on Finance Chemistry.

11. Governing Law & Exclusive Jurisdiction

These Terms of Service and any dispute, controversy, or claim arising out of or in connection with them shall be governed by, interpreted, and construed exclusively in accordance with the substantive laws of India, without giving effect to any principles of conflicts of law. You expressly agree that any legal action or proceeding arising under or relating to these Terms shall be instituted exclusively in the competent courts located in India.

12. Modifications to Terms of Service

Finance Chemistry reserves the right, at its sole discretion, to modify, update, or replace these Terms at any time. When modifications occur, we will update the “Last Updated” timestamp at the top of this page. Your continued use of the Services following the posting of any revised Terms constitutes your full acceptance of such changes. We recommend reviewing this page periodically.

13. Severability & Entire Agreement

If any provision of these Terms is determined by a court of competent jurisdiction to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions. These Terms, along with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Finance Chemistry concerning your use of the Services.

14. Legal Contact & Inquiries

If you have questions, feedback, or require clarification regarding these Terms of Service, please reach out to our legal and support team: