Disclaimer

The information, tools, and content provided on Numvexa (https://numvexa.in/), owned by Raja Mahakul, are intended solely for general informational and educational purposes. By using this website, you acknowledge and agree to the following disclaimers in full.

1. Financial Information Disclaimer

All financial information, articles, guides, and educational content published on Numvexa are for general informational purposes only. While we make every effort to keep our content accurate and up to date, financial regulations, tax laws, and banking guidelines in India change frequently. The information on this website may not reflect the most recent changes in law, regulation, or practice.

We write our content in plain language to help users understand financial concepts — but understanding a concept is not the same as receiving professional advice tailored to your specific situation. For any significant financial decision, we strongly recommend consulting a qualified expert.

2. Calculator Accuracy Disclaimer

Numvexa's calculators are built using standard, publicly known financial formulas — the same formulas used by banks, RBI guidelines, and CBDT regulations. We test our calculators carefully and update them when rules change.

However, we cannot guarantee that every result will exactly match what a bank, employer, or government portal produces, because:

• Individual lenders may use slightly different rounding methods or internal calculation practices.
• Tax rules change with each Union Budget and may take time to be reflected on our site.
• Calculator results depend entirely on the accuracy of the inputs you provide — incorrect inputs will produce incorrect outputs.
• Some calculations (like HRA exemption or gratuity) involve rules that vary based on individual employment contracts and city classifications.

Always cross-check important figures — such as your loan EMI, tax liability, or EPF balance — directly with your lender, employer, or the official government portal before making decisions.

3. Investment Risk Disclaimer

Numvexa provides investment-related calculators such as the SIP Calculator, FD Calculator, and Compound Interest Calculator. These tools project potential future values based on assumed rates of return that you enter.

It is important to understand that:

• Past performance does not guarantee future results. Historical average returns for mutual funds or equity markets may not repeat in the future.
• Market-linked investments such as equity mutual funds, SIPs, and stocks carry inherent risk. The value of your investment can go down as well as up.
• Fixed-income projections (FDs, PPF) assume stable interest rates, which may change with RBI policy decisions.
• Investment projections shown on Numvexa are hypothetical illustrations — they are not forecasts, promises, or guarantees of any specific outcome.

Numvexa does not endorse any specific financial product, mutual fund, bank, or investment scheme. Any investment decision you make is entirely your own responsibility.

4. No Professional Advice Clause

Nothing on this website — including articles, blog posts, calculator results, guides, comparisons, or any other content — constitutes or should be construed as professional financial, investment, tax, accounting, or legal advice.

Numvexa is an educational platform. The content we publish is designed to help you understand how financial concepts and calculations work — not to guide specific decisions in your unique circumstances. Every individual's financial situation is different, and what works for one person may not be appropriate for another.

Before making any significant financial decision — including taking a loan, investing in a mutual fund, filing your taxes, or restructuring your salary — please seek advice from a qualified professional such as a Registered Investment Advisor (RIA), Chartered Accountant (CA), or financial planner.

5. Limitation of Liability

To the fullest extent permitted by applicable law, Numvexa and Raja Mahakul shall not be held liable for any loss, damage, inconvenience, or negative consequence — direct or indirect — arising from:

• Use of or reliance on any calculator result, article, or financial information on this website.
• Errors, inaccuracies, or outdated information in our content or calculators.
• Financial losses resulting from investment or tax decisions made using our tools.
• Missed tax deadlines or incorrect tax filings based on our income tax calculator outputs.
• Discrepancies between our calculator results and figures provided by banks, EPFO, CBDT, or other official bodies.
• Temporary unavailability of the website or any calculator.

This limitation of liability applies regardless of whether we have been advised of the possibility of such damages.

6. External Links Disclaimer

Numvexa may contain links to external websites, government portals, RBI resources, and third-party financial information sources. These links are provided purely for the user's convenience and reference. We do not endorse, control, or take responsibility for the content, accuracy, or availability of any external website.

Links to third-party sites — including advertisements served by Google AdSense — do not constitute an endorsement of the products, services, or views expressed on those sites. Clicking any external link means you are leaving Numvexa, and you do so at your own discretion.

7. Content Accuracy Disclaimer

While we take care to ensure the accuracy and completeness of information on Numvexa, we make no representations or warranties — express or implied — about the accuracy, reliability, completeness, or timeliness of any content on this website.

Tax slabs, interest rates, EPF contribution percentages, GST rates, and other regulatory figures are subject to change by government authorities. Although we update our calculators and content when changes occur, there may be a lag between official announcements and updates on our site. We recommend verifying current rates from official sources such as:

• Income Tax: Income Tax Department of India
• GST: GST Council / GSTN Portal
• EPF / PF: EPFO
• Interest Rates: Reserve Bank of India

We reserve the right to correct errors, update information, and remove outdated content at any time without prior notice.

8. Governing Jurisdiction

This Disclaimer and all matters relating to Numvexa are governed by the laws of the Republic of India. Any disputes arising from or in connection with the use of this website shall be subject to the exclusive jurisdiction of courts in India.