Terms of Service

1. Acceptance of Terms

By accessing or using InvestingPro ("the Service," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

These Terms constitute a legally binding agreement between you and InvestingPro. We reserve the right to modify these Terms at any time. Your continued use of the Service after changes indicates acceptance of the modified Terms.

2. Description of Service

InvestingPro is a financial comparison platform that provides:

• Comparison tools for credit cards, loans, mutual funds, insurance, and other financial products
• Financial calculators (SIP, EMI, Tax, FD, etc.)
• Educational content and guides on personal finance
• Product ratings and reviews
• Affiliate links to financial product providers

Our Service is informational and does not constitute financial advice. We are a comparison platform, not a financial advisor or broker.

3. User Eligibility

You must be at least 18 years old to use InvestingPro. By using the Service, you represent that:

• You are of legal age to form a binding contract in India
• You are not prohibited from accessing the Service under Indian law
• All information you provide is accurate and truthful
• You will comply with all applicable laws and regulations

4. User Accounts

4.1 Account Creation

You may create an account to access certain features. When creating an account:

• Provide accurate and complete information
• Maintain the security of your password
• Notify us immediately of unauthorized access
• You are responsible for all activities under your account

4.2 Account Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms
• Engage in fraudulent or illegal activity
• Abuse the Service or harass other users
• Provide false or misleading information

5. Prohibited Uses

You agree NOT to:

• Use the Service for any illegal purposes
• Scrape, copy, or redistribute our content without permission
• Attempt to gain unauthorized access to our systems
• Upload malicious code, viruses, or harmful software
• Impersonate others or misrepresent your affiliation
• Spam, phish, or engage in fraudulent activities
• Manipulate calculator results or product ratings
• Interfere with other users' access to the Service

7. Affiliate Relationships & Compensation

7.1 Affiliate Disclosure

InvestingPro earns commission when you click on "Apply Now" buttons or complete actions through our affiliate links. This is how we keep our service free for users.

However, affiliate compensation does NOT influence our ratings or recommendations. Our editorial team independently evaluates products based on features, benefits, and user reviews.

7.2 How We Make Money

For full transparency, see our How We Make Money page.

8. Intellectual Property Rights

8.1 Our Content

All content on InvestingPro (text, images, calculators, designs, logos) is owned by InvestingPro and protected by copyright, trademark, and intellectual property laws.

You may NOT:

• Copy or scrape our content without permission
• Reproduce our calculators or comparison tools
• Use our brand name or logo without authorization
• Create derivative works based on our content

8.2 User-Generated Content

If you submit reviews, comments, or other content:

• You retain ownership of your content
• You grant us a worldwide, non-exclusive license to use, display, and distribute your content
• Your content must not infringe on others' rights or violate laws
• We reserve the right to remove inappropriate content

9. Data Accuracy and Updates

We strive to provide accurate and up-to-date information, but:

• Product details (interest rates, fees, features) may change without notice
• We are not responsible for outdated information
• Always verify product details with the provider before applying
• Calculator results are estimates and may vary from actual outcomes

If you find inaccurate information, please report it to: feedback@investingpro.in

10. Third-Party Links and Services

Our Service may contain links to third-party websites (banks, financial institutions, product providers):

• We do not control or endorse third-party websites
• We are not responsible for their content, privacy policies, or practices
• Your interactions with third parties are governed by their terms
• Review their terms and privacy policies before providing information

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

• InvestingPro and its affiliates shall NOT be liable for any indirect, incidental, consequential, or punitive damages
• We are not liable for losses resulting from your use of the Service
• We are not liable for inaccurate information or outdated product details
• We are not liable for actions taken by third-party providers
• Our total liability to you shall not exceed ₹1,000 or the amount you paid us (if any), whichever is greater

12. Indemnification

You agree to indemnify and hold harmless InvestingPro, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your violation of these Terms
• Your use of the Service
• Your violation of any law or third-party rights
• Content you submit to the Service

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING:

• Merchantability or fitness for a particular purpose
• Non-infringement of intellectual property
• Accuracy, completeness, or reliability of content
• Availability or uninterrupted access to the Service
• Security or freedom from errors, viruses, or harmful components

14. Dispute Resolution

14.1 Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Bangalore, Karnataka.

14.2 Arbitration

Before filing a lawsuit, you agree to attempt resolution through:

• Good faith negotiation with our team
• Mediation (if negotiation fails)
• Arbitration under the Arbitration and Conciliation Act, 1996 (if mediation fails)

15. Modifications to Service

We reserve the right to:

• Modify, suspend, or discontinue any part of the Service
• Change features, functionality, or pricing
• Impose limits on usage or storage

We are not liable for any modifications or discontinuation of the Service.

16. Privacy

Your use of the Service is also governed by our Privacy Policy. By using InvestingPro, you consent to our data practices as described in the Privacy Policy.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

18. Contact Us

If you have questions about these Terms, please contact us: