Disclaimer

1. General Disclaimer

The information, calculators, tools, and content provided on HazeGrid (the "Service") are intended for general informational and educational purposes only. By accessing or using this Service, you acknowledge and agree to the terms of this Disclaimer.

HazeGrid is owned and operated by DustyHive LLP, GST registration number 08AAFYD9620MIZK. All calculators on HazeGrid are provided 100 percent free of charge with no signup, paywall, or hidden costs.

2. Not Financial Advice

The calculators, articles, and content on HazeGrid do not constitute financial advice, investment advice, tax advice, legal advice, or any form of professional advice. The results produced by our calculators are estimates based on the inputs you provide and the formulas, assumptions, and rates programmed into the Service at the time of use.

You should not rely solely on the output of any calculator or article on HazeGrid to make financial, investment, tax, retirement, insurance, loan, or any other significant personal or business decision. Always consult a qualified professional before making such decisions, including but not limited to:

• A SEBI registered investment advisor for investment and mutual fund decisions
• A chartered accountant for tax planning and tax filing decisions
• A certified financial planner for retirement, insurance, and goal based planning
• A legal professional for matters involving contracts, property, or compliance
• Your bank or lender for definitive loan eligibility, interest rates, and EMI quotations

The use of any information from HazeGrid is at your sole risk.

3. Accuracy of Calculations

We make reasonable efforts to ensure that the formulas, tax slabs, interest rates, statutory limits, and assumptions used in our calculators are accurate and reflect current Indian regulations at the time of publication. However:

• Tax laws change. Income tax slabs, deduction limits, and exemption rules in India are updated regularly, including during the Union Budget each year. The Service may not always reflect the most recent legislative changes.
• Interest rates fluctuate. The default values used in calculators (such as PPF rates, FD rates, NPS returns, or expected mutual fund returns) are based on prevailing rates at the time of publication and may not reflect current market conditions.
• Real world variables differ. Actual loan EMIs, in hand salary, investment returns, and tax liabilities depend on numerous factors specific to your situation that our calculators cannot account for, including but not limited to: bank processing fees, employer specific salary structures, individual tax exemptions, market volatility, inflation, and changes in policy.

We make no representation or warranty, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any information or calculation provided by HazeGrid.

4. No Guarantee of Returns

Calculators that estimate future investment returns, including but not limited to the SIP calculator, lumpsum calculator, mutual fund calculator, NPS calculator, and CAGR calculator, are based on assumed rates of return that you input. Actual returns may be significantly higher or lower than estimated. Past performance of any investment is not indicative of future results.

Investments in mutual funds, equities, and market linked instruments are subject to market risk. Please read all scheme related documents carefully before investing.

5. No Guarantee of Loan Approval

Calculators related to loans, including the EMI calculator and home loan calculator, provide estimates only. Actual loan approval, interest rate, tenure, processing fee, and EMI are determined entirely by the lending institution based on their internal policies, your credit profile, income verification, property valuation, and other factors. HazeGrid does not facilitate, broker, or guarantee any loan.

6. No Professional Relationship

Use of the Service does not create any professional, fiduciary, advisory, or contractual relationship between you and HazeGrid, DustyHive LLP, or any of its representatives. We are not your financial advisor, tax consultant, or legal counsel.

7. External Links

HazeGrid may contain links to third party websites, including but not limited to bank websites, government portals, regulatory bodies, and educational resources. These links are provided for convenience only. We do not endorse, control, or assume any responsibility for the content, accuracy, or practices of third party websites.

8. Limitation of Liability

To the fullest extent permitted by applicable Indian law, DustyHive LLP, HazeGrid, and their respective partners, employees, contractors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or related to:

• Your use of, or inability to use, the Service
• Any decision made or action taken based on information from the Service
• Any inaccuracy, error, or omission in any calculation or content
• Any financial loss, missed opportunity, tax liability, or penalty incurred as a result of relying on the Service
• Any unauthorised access to or alteration of your data

You agree that your sole remedy for any dissatisfaction with the Service is to discontinue use of the Service.

9. Indemnification

You agree to indemnify, defend, and hold harmless DustyHive LLP, HazeGrid, and their representatives from any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or related to your use of the Service or your violation of this Disclaimer.

10. Updates and Changes

The content, calculators, formulas, default values, and assumptions on HazeGrid may be updated, modified, or removed at any time without prior notice. We are under no obligation to notify users of changes to the Service or to this Disclaimer.

11. Governing Law and Jurisdiction

This Disclaimer is governed by and construed in accordance with the laws of India. Any dispute arising out of or relating to this Disclaimer or your use of the Service shall be subject to the exclusive jurisdiction of the courts in Jaipur, Rajasthan, India.

12. Contact

For any questions about this Disclaimer, please contact us at support@dustyhive.com.

HazeGrid
A division of DustyHive LLP
GST: 08AAFYD9620MIZK

By using HazeGrid, you confirm that you have read, understood, and accepted this Disclaimer in full.