Terms of Service

By using vibefeed.in (the "site"), you agree to these terms. If you don't agree, please don't use the site. We've kept this short and readable.

What this site is — and is not

vibefeed.in is a free hub of financial calculators and educational guides for Indian investors and taxpayers. The calculators show estimates based on the inputs you provide and the formulas you'd find in any standard reference (compound interest, EMI amortisation, income tax slabs, etc.).

Nothing on this site is financial advice. We are not a SEBI-registered investment advisor, a Chartered Accountant, a tax practitioner, or a financial planner. The content is for educational and informational purposes. Decisions about your money should be made in consultation with a qualified professional and based on your full personal context.

Accuracy and changes

We try hard to keep tax slabs, interest rates, GST rates, and other regulatory inputs current. But laws change, banks revise rates, and we can occasionally miss an update. Always verify a number that materially affects your decision against a primary source — RBI, Income Tax Department, your bank's website, or your CA.

Specifically:

• Bank interest rates (FD, RD, home loan, personal loan) change frequently — confirm with the bank
• Tax slabs and rules can change with each Union Budget — verify with the latest Finance Act
• GST rates can be revised by the GST Council — verify against the current notification
• Government scheme rates (PPF, SSY, NSC, KVP, SCSS) are revised quarterly — verify with India Post / your bank

Calculator results

All calculations run in your browser using JavaScript. The math is deterministic — same inputs produce the same outputs. We do not track or store the values you enter. Results are illustrations, not predictions or guarantees.

Returns shown for SIP, mutual fund, lumpsum, retirement, and similar calculators are indicative only. Actual market returns can be higher or lower (often significantly) than the rate you input. Past performance does not guarantee future returns.

Use of the site

You may use vibefeed.in freely for personal financial planning. You may share links to specific pages. You may NOT:

• Scrape or automatically harvest content from this site at scale
• Republish blog posts in full on another site without permission and proper attribution
• Misrepresent the source of calculations (e.g. embedding our calculators behind a paywall)
• Use the site to defraud, mislead, or harm others

Third-party services

This site uses third-party services for analytics (Google Analytics 4), advertising (Google AdSense), and email (Buttondown for the newsletter). Each service is governed by its own terms and privacy policies. By using the site, you consent to the use of these third parties as described in our Privacy Policy.

Affiliate / monetisation disclosure

We use Google AdSense to display advertisements. We may, in the future, add affiliate links to brokers, banks, or financial products. If we do, those links will be clearly marked. Our calculator results, formulas, and recommendations are never influenced by advertising. An advertiser cannot pay to make a calculator give a different number.

Liability

TO THE EXTENT PERMITTED BY LAW, vibefeed.in is provided "as-is" without warranties of any kind. We are not liable for any direct, indirect, incidental, or consequential losses arising from your use of the site or reliance on its content. Specifically, we are not responsible for financial losses you incur based on decisions informed by this site.

Use this site as a starting point for your research, not the final word.

Intellectual property

Original content (blog posts, calculator UI, design system) is © vibefeed.in. The mathematical formulas behind the calculators (compound interest, EMI, etc.) are public domain — we do not claim ownership of the math itself. Trademarks of third parties (RBI, SEBI, Income Tax Department, individual companies) belong to their respective owners.

Governing law

These terms are governed by the laws of India. Disputes shall be subject to the exclusive jurisdiction of the courts in Ahmedabad, Gujarat.

Changes to these terms

We may update these Terms as the site evolves. Material changes will be announced via a notice on the site or via the newsletter. Continued use of the site after a change constitutes acceptance of the updated terms.

Contact

Questions about these Terms: use the contact form or email kgohil711@gmail.com.