Legal

Terms of Service

Last updated 19 July 2026

These terms were drafted with AI assistance and have not yet been reviewed by a lawyer. A professional review is planned before wide launch. See the full disclaimer.

1. What SwayamDhan is

SwayamDhan is a personal wealth-tracking and planning tool: it helps you record your own holdings, see them in one place, and run educational projections (retirement, tax estimates, allocation suggestions). By using it, you agree to these terms.

2. Not SEBI-registered investment advice

SwayamDhan, and the person operating it, are not a SEBI-registered investment adviser, research analyst, or tax professional. Nothing in this app — including Ask-the-Advisor answers, tax estimates, retirement projections, or allocation suggestions — is investment, tax, or legal advice. It is provided for your own general knowledge and education only. Before acting on anything you see here, verify it with a SEBI-registered investment adviser, a chartered accountant, or another qualified professional of your choosing. You are solely responsible for your own financial decisions.

3. Accuracy and limitations

Tax and projection figures are computed by deterministic rules and estimates that may not reflect every rule change, edge case, or your specific circumstances. Ask-AI answers are generated by a large language model and can be wrong or incomplete. SwayamDhan is provided “as is,” without warranty of any kind, and we aren’t liable for decisions made based on its output.

4. Your account and data

You’re responsible for keeping your login credentials safe. You may use SwayamDhan anonymously (local-only mode, no account) or create an account — either way, the data you enter is yours: you can export it or delete it at any time. See the Privacy Policy for details on what’s collected and how deletion works.

5. Acceptable use

Don’t use SwayamDhan to enter data you don’t have the right to store, attempt to disrupt or reverse-engineer the service, or use the Ask-AI feature for anything outside its intended educational purpose.

6. Changes

These terms may change as the product evolves. Material changes will update the date at the top of this page. Continued use after a change means you accept the updated terms.

7. Contact

Questions about these terms: contactus@swayamdhan.in