Legal Hub
Your data, your rights! Here is Everything you need to know.
Important Disclaimer
1. Not a SEBI Registered Advisor
I want to be crystal clear: I am NOT a SEBI-registered investment advisor, financial planner, or a certified chartered accountant. I am a financial enthusiast in my 20s sharing my personal learning journey, research, and notes on personal finance.
2. Educational Purposes Only
All content provided on Payinance (articles, guides, tools, and graphics) is for informational and educational purposes only. It should not be construed as professional financial advice. The goal is to simplify concepts, not to tell you where to put your money.
3. Do Your Own Research (DYOR)
Money matters are personal. What works for me might be a disaster for you.
- Always conduct your own research before investing in stocks, mutual funds, or insurance.
- Consult a certified financial advisor who understands your specific risk appetite and financial goals before making any decisions.
4. Limitation of Liability
The financial markets are risky. Any financial outcomes, gains, or losses resulting from your actions are entirely your responsibility. Payinance and its owner will not be held liable for any investment decisions you make based on the content found here.
5. Accuracy of Information
I use research and generative AI models to help structure content, but human error (or AI hallucinations) can happen. While I strive for accuracy, tax laws and market rules in India change frequently. Always verify current rules with official sources.
Privacy Policy
Thank you for visiting Payinance. I believe privacy policies should be simple and straightforward. It’s my responsibility to clearly explain how your data is handled. This page outlines how I manage your information in compliance with the Information Technology Act, 2000.
1. My Simple Promise
I do not possess custom software to extract your personal data. I am not a data broker. I do not store your phone number, home address, or government ID. I cannot misuse data I never collected.
2. The Tool I Use: Google Analytics
I use Google Analytics to see how the site performs (e.g., “100 people read about taxes today”).
- What it sees: General traffic data and location (city level).
- What it DOES NOT see: Your name, specific address, or email.
You can disable cookies in your browser settings, and this site will still work perfectly.
3. No Ads & No Affiliates
Currently, there are no third-party ads and no affiliate links on this site. If this changes in the future to support the website, I will update this policy immediately.
4. Information You Share Voluntarily
If you email me at [email protected], I will see your email address. I strictly use this only to reply to your query. I do not add you to marketing lists.
5. Grievance Redressal
If you have any concerns regarding your data, you may contact me directly. I act as the Grievance Officer for this website.
Email: [email protected]
Terms of Use
By accessing Payinance.com, you agree to the following terms. If you do not agree, please do not use this website.
1. Content Ownership
All content on this website (text, graphics, and structure) is the intellectual property of Payinance unless stated otherwise. You are welcome to share my articles on social media, but please do not copy-paste entire articles onto your own website without credit.
2. User Conduct
This is a community for learning. If I open comments in the future, please be respectful. Hate speech, spam, or promotional links will be removed immediately.
3. Third-Party Links
I may link to other websites (like SEBI, RBI, or news outlets) for reference. I do not own these sites and am not responsible for their content or privacy practices.
4. Updates to Terms
The internet changes fast. I reserve the right to update these terms at any time. Continued use of the website implies acceptance of the updated terms.
5. Governing Law
These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in India.