Terms of Service

2. Eligibility

You must be at least 18 years old to use this Service. By registering, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into this agreement
• All information you provide is accurate and truthful
• You will maintain the accuracy of this information

3. Account Registration and Communication Consent

To use our Service, you must create an account by providing a valid email address. By registering an account, you:

• Agree to provide accurate and complete information
• Are responsible for maintaining the security of your account credentials
• Accept responsibility for all activities under your account
• Explicitly consent to receive email communications from CanIRetire.in, including:
  • Account verification and authentication emails
  • Password reset and security notifications
  • Service updates and important announcements
  • Scenario completion confirmations and calculation results
  • Educational content and retirement planning tips (opt-out available)
  • Platform feature updates and improvements
• Understand that some emails (security, transactional, legal) are essential and cannot be opted out of while maintaining an active account

You may manage your email preferences in your account settings or unsubscribe from non-essential emails using the link provided in each email.

4. Description of Service

CanIRetire.in is an educational retirement planning tool designed specifically for Indian users. The Service provides:

• Retirement readiness calculations and projections
• India-specific financial planning features (EPF, PPF, NPS)
• AI-powered retirement recommendations
• Scenario modeling and comparison tools
• Educational resources and guidance

⚠️ IMPORTANT LEGAL DISCLAIMER: CanIRetire.in is an educational planning tool only. It is NOT investment advice, tax advice, or legal advice. We are NOT registered with SEBI (Securities and Exchange Board of India) or any other regulatory authority as investment advisers, financial planners, or tax consultants. Any product names, fund names, or specific investment instruments mentioned in AI-generated content are illustrative examples only, NOT recommendations. You must consult a SEBI-registered investment adviser (RIA) or certified financial planner before making any investment decisions.

5. No Investment Advice

The Service provides informational and educational content only. All projections, calculations, and recommendations are:

• Based on assumptions and estimates that may not reflect actual future outcomes
• NOT personalized investment advice or recommendations
• NOT a substitute for professional financial, legal, or tax advice
• Subject to market risks, inflation, and economic uncertainties
• Any product names, fund names, or specific investment instruments mentioned are illustrative examples only, NOT recommendations
• AI-generated content is for educational and illustrative purposes only

You MUST consult with SEBI-registered investment advisers (RIA) or certified financial planners before making any investment decisions. Past performance is not indicative of future results. CanIRetire.in, its operators, and any AI systems used bear no responsibility for any financial decisions made based on this content.

6. User Responsibilities

You agree to:

• Provide accurate financial information for calculations
• Keep your account credentials confidential
• Use the Service only for lawful purposes
• Not attempt to circumvent security measures or access restrictions
• Not reverse engineer, decompile, or extract the source code
• Not use automated tools (bots, scrapers) without permission
• Not upload malicious code or viruses
• Not impersonate others or create false accounts

7. Intellectual Property

All content, features, functionality, design, code, and materials on the Platform are owned by CanIRetire.in and protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes. You may not:

• Copy, modify, or distribute our content without permission
• Use our calculators or algorithms in commercial products
• Remove copyright or proprietary notices
• Create derivative works based on our Service

8. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to our collection, use, and sharing of your data as described in the Privacy Policy, including:

• Storage of your financial data in Indian servers (Mumbai, India)
• Use of AI services (Google Gemini) for generating recommendations
• Analytics tracking for service improvement
• Email communications as outlined in Section 3

We comply with India's Digital Personal Data Protection Act, 2023. You retain rights to access, correct, and delete your data as outlined in our Privacy Policy.

9. Beta Service and Availability

The Service is currently offered as a beta product, free of charge. We make no guarantees about:

• Continuous availability or uptime
• Accuracy of calculations or projections
• Compatibility with all devices or browsers
• Continued availability of any feature

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We may also introduce fees for premium features in the future.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CANIRETIRE.IN AND ITS AFFILIATES SHALL NOT BE LIABLE FOR:

• Any financial losses resulting from decisions made based on our projections
• Errors or inaccuracies in calculations, even if caused by our negligence
• Service interruptions, data loss, or technical issues
• Unauthorized access to your account or data
• Any indirect, incidental, consequential, or punitive damages

You use the Service at your own risk. The Service is provided "as is" and "as available" without warranties of any kind.

11. Indemnification

You agree to indemnify, defend, and hold harmless CanIRetire.in and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from:

• Your violation of these Terms
• Your use or misuse of the Service
• Your violation of any rights of third parties
• Financial decisions made based on Service projections

12. Account Termination

We reserve the right to suspend or terminate your account at any time for:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Prolonged inactivity (24+ months, with prior notice)
• Any other reason at our sole discretion

You may also request account deletion at any time through your account settings. Upon deletion, your data will be removed within 30 days as outlined in our Privacy Policy.

13. Changes to Terms

We may modify these Terms at any time. Material changes will be notified via email or prominent notice on the Platform. Your continued use of the Service after such changes constitutes acceptance of the modified Terms.

If you do not agree to the modified Terms, you must stop using the Service and may request account deletion.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of courts in Bangalore, Karnataka, India.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

16. Contact Information

For questions about these Terms:

Email: hello@caniretire.in

For privacy-related questions:

Email: hello@caniretire.in