Rocky Shrivastava

TERMS & CONDITIONS

Website: www.rockyshrivastava.com Effective Date: July 11, 2026 Last Updated: July 11, 2026

Welcome to rockyshrivastava.com (“Website,” “we,” “us,” or “our”). By accessing or using this Website, you (“user,” “you”) agree to comply with and be bound by the following Terms & Conditions. If you do not agree with any part of these terms, please do not use this Website.

1. Use of Website

This Website is intended for informational and educational purposes only.

You agree to use this Website only for lawful purposes and in a manner that does not violate any applicable laws or regulations, including but not limited to regulations issued by the Securities and Exchange Board of India (SEBI) and the Reserve Bank of India (RBI).

You must not:

  • Use the Website for fraudulent purposes
  • Attempt to gain unauthorized access to the Website
  • Disrupt or damage the Website’s functionality
  • Copy or misuse Website content without permission
  • Use any content, tool, or calculator on this Website to solicit, induce, or provide investment advice to third parties without appropriate SEBI registration

1.1 Eligibility

This Website and its tools are intended for use by individuals who are at least 18 years of age. If you are under 18, you may use this Website only with the involvement and consent of a parent or legal guardian. By using this Website, you represent that you meet this eligibility requirement.

2. Educational Purpose Only — Not Investment, Financial, Legal, or Tax Advice

All content on this Website, including articles, blogs, tools, calculators, videos, and other resources, is provided strictly for educational and informational purposes.

Nothing on this Website constitutes, and should not be construed as:

  • Investment advice
  • A recommendation to buy, sell, or hold any security or financial product
  • Financial, legal, or tax advice
  • Research analysis under SEBI (Research Analysts) Regulations, 2014
  • Investment advisory services under SEBI (Investment Advisers) Regulations, 2013

2.1 Regulatory Status Disclosure

Rocky is not a SEBI-registered Investment Adviser (RIA), not a SEBI-registered Research Analyst (RA), and does not hold an AMFI Registration Number (ARN) as a mutual fund distributor. Rocky is not registered with, or licensed by, SEBI, AMFI, IRDAI, or any other financial regulatory body in any capacity.

Accordingly, no content, tool, or calculator on this Website constitutes a recommendation, solicitation, or distribution of any security, mutual fund scheme, insurance product, or other financial product. This Website does not sell, distribute, or facilitate transactions in any financial product, and does not receive commission, brokerage, or any other financial product-linked compensation.

In accordance with SEBI’s circulars on financial influencers dated October 22, 2024 and January 29, 2025 (and any subsequent amendments), this Website:

  • Does not provide specific buy, sell, or hold recommendations on any security, stock, mutual fund scheme, or other financial product
  • Does not make any claims, express or implied, regarding guaranteed, assured, or fixed returns on any investment
  • Does not use live or real-time stock/market price data for any educational content; any market data referenced, where applicable, will comply with the lag period prescribed under applicable SEBI circulars
  • Restricts its content to general financial education, concepts, and illustrative tools

Any action taken based on the information provided on this Website is strictly at your own risk. You are strongly advised to consult a SEBI-registered Investment Adviser or Research Analyst before making any investment decision.

3. FinBot — AI Chat Assistant Disclaimer

This Website features FinBot, an AI-based live chat assistant intended to answer general, educational, finance-related queries.

By using FinBot, you acknowledge and agree that:

  • FinBot’s responses are generated automatically by artificial intelligence and are provided strictly for general educational purposes
  • FinBot’s responses do not constitute investment, financial, tax, or legal advice, and do not constitute a recommendation to buy, sell, or hold any security, mutual fund, or other financial product
  • FinBot’s responses may be incomplete, inaccurate, outdated, or generic, and should not be relied upon as a substitute for advice from a SEBI-registered Investment Adviser, Research Analyst, or other qualified professional
  • FinBot is not authorized to, and will not knowingly, provide personalized investment recommendations; if any response appears to do so, it must not be relied upon and should be reported to us via the contact details in Section 14
  • Your chat messages are processed using Tidio, a third-party live chat and AI platform, to generate responses, as described in our Privacy Policy
  • You must not enter sensitive personal information (such as PAN, Aadhaar, bank details, passwords, or account credentials) into the FinBot chat window
  • We reserve the right to log, review, and use chat interactions to improve FinBot’s accuracy and ensure compliance with this Section

Rocky and the Website owner shall not be liable for any loss, damage, or decision made in reliance on any response generated by FinBot.

4. Financial Calculators Disclaimer

The Website provides tools including but not limited to:

  • SIP Calculator
  • Lumpsum Calculator
  • SWP Calculator
  • Goal Calculator
  • Loan Calculator
  • Loan Prepayment Calculator
  • Expense Tracker
  • EMI to Yourself Calculator

4.1 Nature of Results

These calculators generate results based on user-provided inputs and assumed rates of return, interest rates, or growth rates selected or entered by the user. The results:

  • Are illustrative and indicative projections only, generated using standard financial formulas (e.g., compounding, amortization)
  • Do not guarantee, promise, or predict actual future returns, income, or savings
  • Should not be treated as financial, investment, or tax advice
  • Do not account for taxes, exit loads, transaction charges, inflation variability, or changes in applicable laws unless explicitly stated
  • May differ materially from actual outcomes due to market volatility, changes in interest rates, prepayment terms, lender policies, or other factors outside our control

4.2 Loan and EMI-Related Tools

The Loan Calculator, Loan Prepayment Calculator, and EMI to Yourself Calculator are based on standard amortization formulas and the inputs provided by the user. Actual loan terms, interest rates, processing fees, and prepayment charges are determined solely by your lender or financial institution and may vary from the figures shown by these tools.

4.3 No Liability

Users are advised to consult a qualified professional (SEBI-registered Investment Adviser, Chartered Accountant, or equivalent) before making any financial decision. The Website owner shall not be liable for any financial loss, damage, or decision made based on the use of these tools.

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future results.

5. Intellectual Property

All content on this Website, including:

  • Text
  • Graphics
  • Logos
  • Calculators and underlying formulas/code
  • Design elements

is the property of the Website owner unless otherwise stated. You may not reproduce, distribute, modify, republish, or create derivative works from any content on this Website without prior written permission.

6. Third-Party Links

This Website may contain links to third-party websites for informational purposes. We do not control or endorse the content, policies, or practices of any third-party websites and are not responsible for them, including any SEBI-registered or unregistered entities linked to or referenced on this Website. Users access third-party websites at their own risk.

7. Limitation of Liability

The Website and its content are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

We do not guarantee:

  • Accuracy of information
  • Completeness of content
  • Availability of the Website at all times
  • That calculator outputs will match actual real-world financial outcomes

Under no circumstances shall the Website owner be liable for any direct, indirect, incidental, special, or consequential damages — including but not limited to financial loss, loss of profits, or loss of data — arising from:

  • Use of the Website
  • Use of financial calculators or other tools
  • Reliance on any content
  • Any investment, financial, or personal decision made based on Website content

8. User Submissions

If you submit any information through contact forms or other means on this Website:

  • You agree that the information provided is accurate and truthful
  • You grant us the right to use this information solely to respond to your inquiry
  • You agree not to submit unlawful, defamatory, or harmful content
  • You agree not to solicit or request personalized investment advice through such submissions, as we are not authorized to provide such advice

9. Privacy

Your use of this Website is also governed by our Privacy Policy, which describes how we collect, use, store, and protect your personal data, including through cookies and analytics tools (if used). Please review the Privacy Policy to understand your rights and our obligations.

10. Indemnification

You agree to indemnify, defend, and hold harmless the Website owner, its affiliates, and representatives from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:

  • Your access to or use of the Website
  • Your violation of these Terms & Conditions
  • Your violation of any applicable law or regulation
  • Any financial decision made based on your use of the Website’s content or tools

11. Severability

If any provision of these Terms & Conditions is found by a court or regulatory authority of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if it cannot be so modified, it shall be severed. The remaining provisions of these Terms & Conditions shall continue in full force and effect.

12. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time, including to reflect changes in applicable law or SEBI/RBI regulations. Changes will be updated on this page with a revised “Last Updated” date. Continued use of the Website after such changes constitutes your acceptance of the updated Terms.

13. Governing Law and Jurisdiction

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India, including but not limited to applicable SEBI regulations and circulars. Any disputes arising out of the use of this Website shall be subject to the exclusive jurisdiction of the courts located in Muzaffarpur, India.

14. Contact Information

For any questions regarding these Terms & Conditions, you may contact:

Email: info@rockyshrivastava.com Website: https://rockyshrivastava.com