Terms and Conditions
Welcome to Finance Guided. By accessing and using this website (www.financeguided.com), you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using this website.
If you do not agree with any part of these terms, please discontinue use of Finance Guided immediately.
Plain language summary: Finance Guided is a free educational finance platform for Indian readers. The content is for learning only — not professional advice. All original content belongs to Finance Guided. Advertisements are served through Google AdSense. By using this website, you accept these terms.
Contents
1 Acceptance of Terms
By accessing, browsing, or using Finance Guided in any way, you confirm that you have read, understood, and agreed to be bound by these Terms and Conditions, along with our Privacy Policy, Editorial Disclaimer, and Editorial Policy.
These terms apply to all visitors, readers, and users of Finance Guided regardless of the device or location from which the website is accessed.
2 Purpose of the Website
Finance Guided is an independent educational platform created and managed by Dinesh Kumar S, based in Tamil Nadu, India. The website publishes research-based educational content for Indian readers on:
- Term and health insurance — IRDAI rules, nominee rights, claim ratios, waiting periods
- Income tax India — Section 80C/80D, HRA, capital gains, ITR filing, new vs old regime
- Mutual funds and investments — SIP, ELSS, NPS, direct vs regular, LTCG/STCG taxation
- Home loans — balance transfer, prepayment, MCLR, joint borrower tax benefits
- Retirement planning — NPS, EPF, PPF, SCSS, annuity options
- Personal finance — emergency funds, credit scores, budgeting, nominee vs legal heir
All content published on Finance Guided is intended for informational and educational purposes only. Finance Guided is not a financial product provider, insurance broker, or investment platform.
3 No Professional Advice
Nothing published on Finance Guided constitutes professional financial, legal, tax, insurance, or investment advice.
About the author: Finance Guided is founded and authored by Dinesh Kumar S. He holds a B.Sc. in Mathematics and an M.Sc. in Information Technology, with professional experience in accounting and financial operations. He is not a SEBI-registered investment advisor, IRDAI-licensed insurance broker, certified financial planner (CFP), chartered accountant (CA), or licensed legal professional.
Articles on Finance Guided do not provide specific buy, sell, or hold recommendations for any stock, mutual fund, insurance policy, or other financial product.
Readers are strongly encouraged to consult a SEBI-registered financial advisor, IRDAI-licensed insurance professional, or qualified Chartered Accountant in India before making any financial decision.
4 Accuracy of Information
Finance Guided makes every reasonable effort to ensure that information published is accurate, well-sourced, and up to date at the time of writing. Articles are researched using official Indian regulatory documents, government publications, and verified industry data.
However, Finance Guided cannot guarantee:
- The completeness or reliability of all information published
- That all content remains current following regulatory or product changes
- The accuracy of third-party data referenced in articles
Financial regulations, insurance product terms, tax rules, and market conditions change frequently in India. Readers should independently verify time-sensitive financial information before acting on it.
If you identify an error or outdated information, please contact us at financeinsuranceguided@gmail.com and we will review and correct it promptly.
5 Intellectual Property Rights
Unless otherwise stated, all original content published on Finance Guided is the intellectual property of Finance Guided and its founder, Dinesh Kumar S. This includes:
You may not copy, reproduce, republish, scrape, distribute, sell, or modify any content from Finance Guided without prior written permission from Dinesh Kumar S.
Limited quotation of content is permitted for non-commercial educational purposes, provided that proper credit is given and a clear link back to the original Finance Guided article is included.
To request permission for content use, contact: financeinsuranceguided@gmail.com
6 External Links
Finance Guided articles may contain links to external websites — including Indian regulatory bodies (IRDAI, SEBI, RBI, Income Tax Department, EPFO, PFRDA), financial institutions, and research organisations — for reference and educational purposes.
Finance Guided does not control, maintain, or endorse any external website. We cannot guarantee the accuracy, availability, or content of third-party websites at the time of reading.
The inclusion of an external link does not constitute an endorsement of that website, its products, services, or views. Users access third-party websites at their own discretion and risk.
7 Advertising & Third-Party Services
Finance Guided displays advertisements through Google AdSense to support the operation and free availability of this educational platform. Google AdSense may use cookies to deliver personalised advertisements based on your browsing history.
Editorial independence: Advertising revenue does not influence the editorial content of Finance Guided in any way. Finance Guided does not accept paid article placements, sponsored content, affiliate commissions, or editorial payments from financial institutions or insurers. Google AdSense is the only commercial arrangement on this website.
Finance Guided does not directly endorse, guarantee, or take responsibility for any product or service advertised through Google AdSense or any other third-party advertising partner.
For details on how Google AdSense uses your data, please visit Google's Privacy Policy. You can manage your ad personalisation settings at adssettings.google.com.
8 User Responsibilities
By using Finance Guided, you agree to:
- Use the website only for lawful, personal, and non-commercial purposes
- Not copy, reproduce, or redistribute Finance Guided content without permission
- Not attempt to gain unauthorised access to any part of the website or its systems
- Not use automated tools, bots, or scrapers to extract content from Finance Guided
- Not engage in any activity that disrupts or interferes with the website's functionality
- Not submit false, misleading, or harmful information when contacting Finance Guided
9 Limitation of Liability
Finance Guided and its founder, Dinesh Kumar S, shall not be held liable for:
- Any direct or indirect financial losses arising from reliance on website content
- Decisions made based on information, formulas, comparisons, or case studies published on Finance Guided
- Errors, omissions, or outdated information in any article
- The content, accuracy, or availability of any third-party website linked from Finance Guided
- Any interruption, downtime, or technical issue affecting access to Finance Guided
Your use of Finance Guided and reliance on any information published on this website is entirely at your own risk.
10 Termination of Access
Finance Guided reserves the right to restrict or terminate access to this website for any user who violates these Terms and Conditions, engages in harmful activity, or misuses the content published here.
Finance Guided also reserves the right to modify, suspend, or discontinue any part of the website at any time without prior notice.
11 Changes to These Terms
Finance Guided reserves the right to update or modify these Terms and Conditions at any time. When changes are made, the "Last Updated" date at the top of this page will be revised accordingly.
Continued use of Finance Guided after any changes are posted constitutes your acceptance of the updated Terms and Conditions. We encourage you to review this page periodically.
12 Governing Law
These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Republic of India. Any disputes arising from the use of Finance Guided shall be subject to the exclusive jurisdiction of the courts of Tamil Nadu, India.
For users accessing Finance Guided from outside India, you agree that Indian law governs your use of this website, regardless of your location.
13 Contact Information
If you have any questions about these Terms and Conditions, or wish to report a violation of your rights under them, please contact us:
Name: Dinesh Kumar S
Platform: Finance Guided
Email: financeinsuranceguided@gmail.com
Location: Tamil Nadu, India
Website: www.financeguided.com
Response time: Within 1–2 business days
These Terms and Conditions apply to all use of Finance Guided.
Dinesh Kumar S
Founder & Author — Finance Guided
www.financeguided.com · Tamil Nadu, India · 2026
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