Important information about MakeMyCred

01Quick summary

We want to be upfront about the boundaries of what MakeMyCred offers, so you can use our tools with the right expectations. Please read this disclaimer carefully before relying on any result, article, or calculation shown on this website.

02Educational purpose only

All content on MakeMyCred — including calculators, guides, blog posts, tooltips, charts, and any AI-assisted features such as MakeMyCred Copilot — is provided strictly for general informational and educational purposes.

Our aim is to make common financial concepts easier to understand: how an EMI is structured, how compounding works, what a tax slab means, and so on. That is different from telling you what to buy, sell, or do with your money.

03Not financial, tax, or legal advice

MakeMyCred is not a registered investment advisor, bank, non-banking financial company (NBFC), insurer, broker, or tax consultant. Nothing on this website constitutes:

• Investment advice — we do not recommend securities, mutual funds, insurance, or any specific product.
• Tax advice — tax calculators are simplified illustrations based on rules that can change. Your actual tax liability depends on your full financial picture.
• Legal advice — content about contracts, agreements, and regulations is general information, not legal counsel.
• Credit advice — eligibility and affordability numbers are indicative. Banks and lenders apply their own internal policies.

04Accuracy & estimates

We work hard to make our calculators accurate and up to date. Every tool states the formula it uses and the assumptions behind its output. Still, please keep the following in mind:

1. Results are estimates. All outputs are based on the inputs you provide and standard financial formulas. Real-world numbers can differ.
2. Rates and rules change. Interest rates, tax slabs, deduction limits, and insurance rules change frequently. Tools are reviewed each financial year, but always verify current figures with the official source.
3. Rounding & lender policies. Small differences (a few rupees) can come from rounding conventions, processing fees, insurance add-ons, or prepayment penalties applied by a lender.
4. No warranty. While we aim for accuracy, MakeMyCred makes no warranty — express or implied — that any result is complete, current, or error-free.
5. Illustrative data. Dashboards and previews with sample values (e.g. "76/100", "₹12,40,000") are for illustration only and do not represent any real user.

05External links & third parties

Our website may link to third-party websites, resources, or tools. Those links are provided for your convenience only. MakeMyCred:

• Does not control, endorse, or guarantee the content of any third-party site.
• Is not responsible for the accuracy, privacy practices, or availability of external resources.
• Encourages you to review the terms and privacy policies of any third-party site you visit.

Any mention of a bank, insurer, fund, or platform on MakeMyCred is purely illustrative. It is not an endorsement, partnership, or recommendation unless explicitly stated.

06Limitation of liability

This includes, but is not limited to, losses arising from investment decisions, loan choices, tax filings, insurance purchases, missed opportunities, or misinterpretation of calculator outputs. You are solely responsible for any decision you make based on information you find on MakeMyCred.

07Your responsibility

When you use MakeMyCred, you agree that you will:

• Verify inputs. Double-check the numbers you enter, especially interest rates, tenure, and salary details.
• Cross-check outputs. Use official bank, insurer, or government sources before acting on a result.
• Seek professional help for personal financial, tax, or legal decisions.
• Not misuse the tools for fraudulent, misleading, or illegal purposes.
• Not share sensitive data such as bank account numbers, PAN, Aadhaar, or card details in any contact form or AI chat.

08Regulatory note (India)

MakeMyCred is an India-first platform and uses INR (₹) and financial terminology applicable in India. Our calculators reflect commonly used Indian financial formulas and, where relevant, rules published by Indian regulators and government bodies.

MakeMyCred is not registered with SEBI as an investment adviser or research analyst, is not a bank or NBFC regulated by the RBI, and is not an insurance intermediary regulated by IRDAI. We do not sell, distribute, or recommend financial products.

09Copyright & intellectual property

All content on MakeMyCred — including design, layout, copy, calculator logic, icons, and graphics — is owned by or licensed to MakeMyCred and is protected by applicable copyright and intellectual property laws.

You may use our calculators and read our content freely for personal, non-commercial purposes. You may not:

• Copy, republish, or redistribute substantial portions of our content without written permission.
• Scrape, mirror, or reproduce our tools on another website or app.
• Use our brand name, logo, or content in a way that suggests endorsement or partnership.

For licensing, embedding, or partnership requests, contact us at info@makemycred.com.

10Changes to this disclaimer

We may update this disclaimer from time to time to reflect changes in our tools, legal requirements, or industry practices. When we do, we will update the "Last updated" date at the top of this page.

Continued use of MakeMyCred after changes are posted constitutes acceptance of the revised disclaimer. We encourage you to review this page periodically.

11Contact us

If you have questions about this disclaimer, spot an inaccuracy, or want to raise a concern about our content or tools, please reach out.