Terms of Service

By accessing EMIWISE you accept these terms. If you don't agree, please don't use the service.

EMIWISE is an educational tool that helps you reason about money decisions. It includes calculators (SIP, EMI, prepayment, foreclosure, amortisation, comparisons), a financial planning dashboard, and written insights.

Calculations use standard, transparent finance formulas. We do our best to keep them accurate, but we make no guarantee of accuracy or completeness.

Nothing on this site constitutes financial, investment, legal or tax advice. We're not your financial advisor. Real-world financial products vary by lender / fund house and are subject to charges, taxes and rate changes that our calculators cannot anticipate.

For investment decisions, consult a SEBI-registered investment advisor. For loan decisions, confirm rates and charges directly with your bank.

You may use EMIWISE for personal, non-commercial money planning. You may not:

• Scrape, mirror, or republish the site at scale.
• Reverse-engineer, exploit, or attempt to disrupt the service.
• Misrepresent calculations as official quotes from any bank or fund.

EMIWISE is provided "as is" without warranty of any kind. To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental or consequential loss arising from use of, or inability to use, the service - including losses from financial decisions made in reliance on its outputs.

The EMIWISE brand, design and content are owned by us. You may share links freely. Please don't reproduce substantial portions of the content without permission.

We may change these terms over time. Material changes will be reflected by updating the "Last updated" date at the top. Continued use after a change means you accept the new terms.

These terms are governed by the laws of India. Any dispute will be subject to the exclusive jurisdiction of the courts of India.