Disclaimer

1. General Disclaimer

AmIProfitable.com ("we", "us", "our", or "the Website") provides financial calculators, tools, and educational content for informational and educational purposes only. The Website is available to users globally, including but not limited to users in India, the United States, and other countries.

Nothing on this Website constitutes:

• Financial advice or recommendations
• Investment advice or portfolio management services
• Trading signals or buy/sell recommendations
• Tax, legal, or accounting advice
• Professional consultation of any kind
• An offer to buy or sell any securities, derivatives, or financial instruments

2. Not Financial or Investment Advice

We are NOT registered financial advisors, investment advisors, SEBI registered advisors, broker-dealers, or financial planners. We do not hold any licenses to provide financial advice in India, the United States, or any other jurisdiction.

For Indian Users (भारतीय उपयोगकर्ताओं के लिए)

We are not registered with SEBI (Securities and Exchange Board of India) as Investment Advisors, Portfolio Managers, or Research Analysts. We do not provide investment advice as defined under the SEBI (Investment Advisers) Regulations, 2013. Any calculations or projections shown on this website should not be construed as investment advice or recommendations under Indian law.

For Global Users

We are not registered with any financial regulatory authority including but not limited to: SEC (United States), FCA (United Kingdom), ASIC (Australia), or any other national or international regulatory body. We do not provide advice that requires registration under applicable securities laws.

You should always consult with a qualified, licensed financial advisor, chartered accountant, or legal professional before making any financial, investment, or trading decisions.

3. Educational Purpose Only

All calculators, tools, articles, guides, and content on this Website are provided solely for educational and informational purposes. They are designed to help you:

• Understand financial concepts and mathematical formulas
• Learn about risk management principles
• Explore different investment and trading scenarios
• Develop your own financial literacy
• Make more informed decisions after consulting professionals

The tools are meant to illustrate concepts and possibilities, not to provide specific recommendations for your individual situation.

4. No Guarantee of Accuracy or Reliability

While we strive to ensure the accuracy and reliability of our calculators and content, we make no representations or warranties of any kind, express or implied about:

• The accuracy, completeness, or reliability of any calculations
• The suitability of any tools for your specific needs
• The absence of errors, bugs, or technical issues
• The timeliness or currency of information provided
• The results you may achieve using these tools

You acknowledge that:

• Calculator results are estimates and projections, not guarantees
• Actual results may differ significantly from calculated projections
• Financial markets are unpredictable and subject to numerous variables
• Past performance does not indicate or guarantee future results
• Formulas may not account for all real-world factors (taxes, fees, slippage, etc.)

5. Investment and Trading Risks

General Investment Risks

• Market Risk: All investments are subject to market fluctuations and volatility
• Loss of Capital: You may lose your entire investment
• Liquidity Risk: You may not be able to sell investments when needed
• Currency Risk: Exchange rate fluctuations can affect international investments
• Inflation Risk: Returns may not keep pace with inflation
• Interest Rate Risk: Changes in interest rates affect bond and equity values
• Credit Risk: Issuers may default on debt obligations

Trading-Specific Risks

• Leverage Risk: Leveraged trading can magnify both gains and losses
• Volatility Risk: Prices can change rapidly, causing significant losses
• Execution Risk: Slippage, gaps, and order execution issues
• Psychological Risk: Emotional decision-making can lead to poor outcomes
• System Risk: Technical failures, platform outages, internet connectivity

For Indian Investors

Additional risks specific to Indian markets include:

• Regulatory changes by SEBI, RBI, or Government of India
• Currency risk (INR depreciation/appreciation)
• Tax law changes affecting capital gains and dividend income
• Political and economic instability
• Lower liquidity in certain market segments

Before trading or investing, you must:

• Understand your own risk tolerance and financial situation
• Have adequate emergency funds and insurance
• Educate yourself about the instruments you plan to trade/invest in
• Consult with licensed financial professionals
• Only risk capital you can afford to lose completely

6. Past Performance Not Indicative of Future Results

PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. This is a fundamental principle in finance that you must understand:

• Historical returns, backtests, and past data do not predict future performance
• Market conditions change constantly and unpredictably
• What worked in the past may not work in the future
• Historical volatility may not reflect future volatility
• All projections and estimates are subject to uncertainty

Any examples, case studies, or historical references provided on this Website are for illustrative purposes only and should not be interpreted as a representation of what you can expect to achieve.

7. Disclaimer of Warranties

THIS WEBSITE AND ALL CONTENT, TOOLS, AND CALCULATORS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Title
• Accuracy
• Reliability
• Uninterrupted or error-free operation

We do not warrant that:

• The Website will meet your requirements or expectations
• The Website will be available at all times, uninterrupted, or secure
• The results obtained from using the Website will be accurate or reliable
• Any errors or defects will be corrected
• The Website is free from viruses, malware, or other harmful components

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

We, our affiliates, partners, officers, directors, employees, agents, and licensors shall NOT be liable for any:

• Direct damages: Any loss of money, profits, or capital
• Indirect damages: Consequential, incidental, punitive, or special damages
• Trading losses: Losses from trading or investment decisions
• Opportunity costs: Missed opportunities or foregone profits
• Data loss: Loss of data, information, or calculations
• Business interruption: Lost business or revenue
• Emotional distress: Psychological harm or stress

This limitation applies regardless of:

• Whether we were advised of the possibility of such damages
• The legal theory (contract, tort, negligence, strict liability, etc.)
• Whether the damages were foreseeable or not
• The success or failure of other remedies

9. User Responsibilities

By using this Website, you agree that you are responsible for:

Due Diligence

• Conducting your own research and analysis
• Verifying all information independently
• Understanding the risks involved in trading and investing
• Consulting with licensed professionals (financial advisors, CAs, lawyers)
• Reading and understanding all terms and conditions

Compliance with Laws

• Complying with all applicable laws in your jurisdiction
• Paying all applicable taxes on gains (India: capital gains tax, STT, etc.)
• Following regulations set by SEBI, RBI, SEC, or other authorities
• Obtaining necessary licenses or permissions for trading activities
• Reporting income and maintaining proper records

Appropriate Use

• Using calculators appropriately and understanding their limitations
• Entering accurate data into calculators
• Not relying solely on calculator outputs for decisions
• Understanding that tools are educational aids, not decision-making systems
• Using the Website in accordance with our Terms of Service

10. Third-Party Links and Content

This Website may contain links to third-party websites, resources, or services that are not owned or controlled by us. These links are provided for your convenience only.

We are not responsible for:

• The content, accuracy, or opinions expressed on third-party websites
• The privacy practices or terms of use of external sites
• Any damages or losses caused by third-party websites or services
• The availability or functionality of linked websites
• Any transactions you conduct with third parties

You acknowledge that:

• We do not endorse or recommend any third-party websites or services
• Inclusion of links does not imply affiliation or endorsement
• You access third-party links at your own risk
• You should review the terms and privacy policies of external sites

11. No Professional Relationship Created

Use of this Website does NOT create:

• A financial advisor-client relationship
• An investment advisor-client relationship
• A broker-client relationship
• An attorney-client relationship
• An accountant-client relationship
• Any fiduciary duty or obligation toward you
• Any contractual obligation to provide services

We do not:

• Know your financial situation, goals, or risk tolerance
• Track or monitor your investments or trades
• Provide personalized advice or recommendations
• Manage your portfolio or make decisions on your behalf
• Have any duty of care toward you beyond providing accurate tools

12. Jurisdictional Considerations

For Indian Users

Regulatory Framework:

• Securities markets in India are regulated by SEBI
• Banking and monetary policy regulated by RBI
• Taxation governed by Income Tax Act, 1961
• Capital gains tax, Securities Transaction Tax (STT), and GST may apply
• Consult a Chartered Accountant for tax implications

Important for Indian Investors:

• Understand long-term vs short-term capital gains taxation
• Be aware of LTCG tax on equity (₹1 lakh exemption, 10% above)
• STCG tax on equity is 15%
• Different tax treatment for debt funds, international funds, etc.
• TDS (Tax Deducted at Source) implications
• PAN card requirements for trading and investing

For US Users

• Securities markets regulated by SEC and FINRA
• Tax implications governed by IRS regulations
• Wash sale rules may apply
• Day trading pattern rules (PDT rule)
• State-specific regulations may apply

For Users in Other Jurisdictions

You are responsible for understanding and complying with all laws, regulations, and tax obligations in your country of residence and citizenship. This may include:

• Securities and investment regulations
• Tax reporting and payment obligations
• Foreign exchange controls
• Data protection and privacy laws
• Consumer protection laws

13. Calculator-Specific Disclaimers

Trading Calculators (Profitability, Position Size, Risk, Kelly Criterion, etc.)

• Not trading signals: These calculators do NOT tell you when to buy or sell
• Theoretical only: Results are based on mathematical models, not real market conditions
• Simplified assumptions: Do not account for slippage, commissions, spreads, taxes
• Market variables: Real trading involves gaps, halts, news events, and black swans
• Psychological factors: Cannot account for emotional decision-making
• Risk of ruin: Even optimal strategies can result in complete loss

Investment Calculators (SIP, SWP, Retirement, Compound Interest, etc.)

• Projections not guarantees: Returns are estimated and may not materialize
• Market assumptions: Based on historical averages that may not continue
• Inflation estimates: Actual inflation may differ significantly
• Tax not included: Most calculators do not account for taxes
• Fees not included: Fund management fees, advisor fees, transaction costs
• Life changes: Cannot predict job loss, health issues, emergencies
• Sequence risk: Order of returns matters significantly

Inflation Calculator

• Inflation rates used are historical averages or estimates
• Actual inflation varies by geography, time period, and spending patterns
• Your personal inflation rate may differ from official CPI/WPI figures
• Future inflation is unpredictable

Retirement Calculator

• Life expectancy is an estimate; you may live longer or shorter
• Healthcare costs are difficult to predict and rising rapidly
• Social Security/pension amounts may change due to policy
• Lifestyle and spending needs may change significantly
• Market crashes near retirement can devastate plans (sequence risk)

14. Asset Class-Specific Risks

Equities/Stocks

• Company-specific risks (management, competition, bankruptcy)
• Sector-specific risks
• Market-wide crashes and bear markets
• Dividend cuts or suspensions
• Delisting risks

Mutual Funds / ETFs

• Management risk (poor fund manager decisions)
• Expense ratios reducing returns
• Tracking error (for index funds/ETFs)
• Tax inefficiency
• Liquidity issues in certain funds

Bonds / Fixed Income

• Interest rate risk (bond prices fall when rates rise)
• Credit risk (issuer default)
• Reinvestment risk
• Inflation eroding real returns
• Call risk (early redemption)

Derivatives (Futures, Options, CFDs)

• Extremely high risk: Can lose more than initial investment
• Leverage magnifies losses
• Time decay (for options)
• Margin calls and forced liquidation
• Complex instruments requiring expertise
• Counterparty risk

Cryptocurrencies

• Extreme volatility (can lose 50%+ in days)
• Regulatory uncertainty in India and globally
• Security risks (hacking, lost keys)
• No investor protection or insurance
• Tax treatment unclear or unfavorable (30% flat tax in India + 1% TDS)
• Potential for complete loss

Forex Trading

• High leverage (up to 1:500) = extreme risk
• 24-hour market = gaps and slippage
• Political and economic event risk
• Broker counterparty risk
• Margin calls and account blowup

15. Mental Health and Responsible Use

Warning signs of problematic trading/investing behavior:

• Trading with money you cannot afford to lose
• Neglecting work, family, or personal relationships
• Constant anxiety about positions or the market
• Revenge trading after losses
• Hiding losses from family or lying about trading
• Borrowing money to trade
• Feeling unable to stop despite repeated losses

If you recognize these patterns, please:

• Stop trading immediately
• Seek help from a mental health professional
• Talk to trusted family or friends
• Contact gambling addiction helplines (trading addiction is similar)
• Consider that successful investing is boring, not exciting

Remember: There is no shame in stepping away from markets to protect your mental health and financial security.

16. Changes to This Disclaimer

We reserve the right to update, modify, or change this disclaimer at any time without prior notice. Changes become effective immediately upon posting to the Website.

Your continued use of the Website after changes constitutes acceptance of the modified disclaimer.

It is your responsibility to review this disclaimer periodically for updates. We will update the "Last Updated" date at the top of this page when changes are made.

Material changes may be announced through:

• A notice on our homepage
• Email notification (if you have subscribed)
• Social media announcements

17. Severability

If any provision of this disclaimer is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, such provision shall be severed from this disclaimer.

The remaining provisions shall continue in full force and effect and shall not be affected by the invalid, illegal, or unenforceable provision or its severance from this disclaimer.

18. Entire Agreement

This disclaimer, together with our Terms of Service and Privacy Policy, constitutes the entire agreement between you and AmIProfitable.com regarding the use of this Website.

This disclaimer supersedes all prior or contemporaneous communications, proposals, and agreements (whether oral, written, or electronic) between you and us.

19. Governing Law and Dispute Resolution

For Indian Users

This disclaimer and your use of the Website shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Any disputes arising out of or relating to this disclaimer or use of the Website shall be subject to the exclusive jurisdiction of the courts in [Your City/State, India].

For International Users

The laws of your country of residence may also apply. You are responsible for ensuring compliance with local laws.

20. Fair Use of Calculators

Appropriate use of our calculators includes:

• Personal financial planning and education
• Learning about financial concepts
• Exploring different scenarios before consulting professionals
• Understanding risk management principles
• Academic research and study

Inappropriate use includes:

• Making investment decisions based solely on calculator outputs
• Providing financial advice to others using our tools
• Scraping or copying our calculators for commercial use
• Manipulating or reverse-engineering calculator code
• Using calculators to mislead or defraud others