Terms & Conditions

Last updated: 2026

Please read these Terms & Conditions carefully before using ARTHA. By using the app or website, you agree to these terms.

1. Educational Use Only

ARTHA provides educational and informational content only. All calculators, planners, scheme information, AI responses and tips are for general financial awareness and learning.

2. Not Financial Advice

ARTHA provides educational and informational content only and does not provide investment, tax, legal or financial advice. We are NOT a SEBI-registered investment advisor. Nothing here should be treated as a recommendation to buy, sell or hold any security, mutual fund or financial product.

3. AI Assistant

The AI features generate automated, educational responses that may be incomplete or inaccurate. Always consult a qualified professional (CA, SEBI-registered advisor, lawyer) before acting.

4. Accuracy

Calculations are estimates based on the inputs and assumptions you provide. Actual returns, taxes, EMIs and outcomes may differ. Verify government scheme details on official websites.

5. Your Responsibility

You are solely responsible for your financial decisions. ARTHA is not liable for any loss arising from use of the app or reliance on its content.

6. Intellectual Property

All content, branding and design are owned by ARTHA and may not be copied without permission.

7. Changes

We may update the app, website and these terms at any time. Continued use indicates acceptance.

8. Contact

For questions about these terms, contact us via the Contact page.