Terms of Service. The rules of using this site.

Acceptance of Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User”, “you”) and Aditya Gupta Official (“we”, “us”, “our”), the publisher of the website at adityaguptaofficial.com (“Site”). By accessing the Site, browsing its pages, using any calculator or tool we host, downloading or viewing course content, or otherwise interacting with the Site, you confirm that you have read, understood, and agreed to be bound by these Terms in full.

If you do not agree with any part of these Terms, you must not use the Site. Continued use of the Site after we publish revised Terms constitutes your acceptance of those revisions. The “Last updated” date at the top of this page indicates when the Terms were last modified. For material changes, we will make reasonable efforts to bring the change to your attention through a prominent notice on the Site.

Eligibility

You must be at least 18 years old to use the Site. By accessing the Site, you represent and warrant that you meet this age requirement and that you have the legal capacity under applicable Indian law to enter into a binding contract. If you are accessing the Site on behalf of an organisation, you further represent that you have authority to bind that organisation to these Terms.

Where local law in your jurisdiction sets a higher minimum age for entering into online agreements or for accessing content of the type we publish, you must comply with the higher requirement. We reserve the right to refuse service, terminate accounts, remove content, or cancel access at our sole discretion, particularly where we have reason to believe an eligibility requirement is not met.

Permitted Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access the Site and view its content for personal, non-commercial, educational purposes. This means you may:

• Read articles, view course lessons, and use calculators for your own learning;
• Bookmark, share, or link to public Site URLs;
• Quote short excerpts (no more than 100 words) in reviews, blog posts, social media, or academic work, provided you clearly cite Aditya Gupta Official as the source and include a link back to the original page;
• Print individual pages for personal reference, provided you do not redistribute the printout commercially.

This licence is granted to you personally and may not be sublicensed, assigned, or transferred to anyone else.

Prohibited Use

You agree not to use the Site in any way that would violate these Terms, infringe the rights of any person, or breach applicable law. Specifically, you agree not to:

• Copy, reproduce, republish, distribute, sell, sub-license, or commercially exploit any Site content, whether in whole or in substantial part, without prior written permission from us;
• Use automated tools (scrapers, bots, headless browsers, AI crawlers) to harvest content from the Site at a rate or volume that we would consider unreasonable, or in violation of the directives in our robots.txt file;
• Attempt to access administrative areas of the Site, server-side files, or any non-public APIs;
• Interfere with the operation of the Site by means of denial-of-service attacks, malware injection, exploitation of vulnerabilities, or any similar activity;
• Use Site content to train commercial generative-AI models without explicit written permission;
• Frame the Site or its content within another website in a manner that misleads visitors as to the source of the content;
• Misrepresent your identity, impersonate any person, or submit false information through any Site form;
• Use the Site for any purpose that is unlawful, fraudulent, defamatory, harassing, or otherwise objectionable.

Violation of these prohibitions may result in immediate termination of your access to the Site, in addition to any remedies available to us under law or equity.

Intellectual Property

All content on the Site — including text, articles, course lessons, calculator code and outputs, charts and infographics, photographs, graphics, the Site logo and word marks, page layouts, and the visual design of the Site — is the intellectual property of Aditya Gupta Official or its licensors and is protected by the Copyright Act 1957, the Trade Marks Act 1999, and other applicable Indian and international intellectual-property laws.

The name “Aditya Gupta Official”, the Site logo, and any associated marks are trademarks of the publisher. Nothing in these Terms grants you a right or licence to use any of our trademarks, except for the permitted short-excerpt attribution described in the Permitted Use section.

Where the Site reproduces content owned by third parties under a licence or under fair-dealing principles, such reproductions are clearly attributed to the rights holder. If you believe any content on the Site infringes your copyright, please contact us at contact@adityaguptaofficial.com with full details and we will review and act on legitimate complaints promptly.

Educational Content Disclaimer

All content on the Site, including blog posts, course lessons, calculator outputs, and glossary entries, is provided for general educational and informational purposes only. The content does not constitute:

• Personalised investment advice or a recommendation to buy, sell, or hold any security;
• Tax advice or a recommendation on tax filing positions;
• Legal advice or an interpretation of any statute, regulation, or court ruling for your specific situation;
• Accounting advice on the treatment of any specific transaction;
• A solicitation, offer, or recommendation in respect of any financial product or service.

Before acting on anything you read on the Site, please consult a SEBI-registered investment adviser, a chartered accountant, a qualified lawyer, or a relevant licensed professional. Outputs from calculators are illustrative only and depend on the inputs and assumptions you provide. The full educational disclaimer is published on our Disclaimer page.

No Guarantee of Accuracy or Availability

While we work to keep Site content accurate and up to date, financial regulation, tax rules, market data, and accounting standards change frequently. We make no representation or warranty that any specific piece of content is current, complete, or applicable to your circumstances. The content is provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the Site will be available without interruption, secure, or free of errors, viruses, or other harmful components. From time to time we may suspend or restrict access for maintenance, upgrades, or in response to security incidents, with or without prior notice.

Third-Party Links and Affiliate Disclosure

The Site contains hyperlinks to third-party websites, including affiliate-program partners. Linked third-party sites are not under our control, and we do not endorse, monitor, or accept responsibility for the content, policies, or practices of any third-party site. Your interaction with a third-party site is governed solely by that site’s own terms and privacy policies.

Some links on the Site are affiliate links. If you click an affiliate link and complete a qualifying action on the linked site (typically a purchase or account opening), we may receive a small commission at no extra cost to you. We disclose affiliate relationships clearly. Full details, including the specific affiliate programs we participate in, are published on our Affiliate Disclosure page.

User-Submitted Content

If you submit content to us — through the Contact form, by email, in response to a survey, or in any other manner — you grant us a non-exclusive, royalty-free, worldwide, perpetual licence to use, reproduce, edit, and publish that content for the operation of the Site and for related editorial purposes. You retain ownership of the content you submit.

You represent and warrant that any content you submit is your original work or that you have all necessary rights to submit it; that the submission does not infringe the intellectual-property, privacy, or other rights of any third party; and that the submission does not contain unlawful, defamatory, or objectionable material. We reserve the right to refuse, edit, or remove user submissions at our sole discretion.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Aditya Gupta Official, its publisher, contributors, employees, agents, or partners be liable to you or to any third party for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of investment returns, loss of business opportunity, loss of data, loss of goodwill, or any other intangible loss, arising from or related to your use of the Site or your reliance on its content, regardless of the cause of action or the legal theory on which liability is asserted, and regardless of whether we have been advised of the possibility of such damages.

To the extent that any liability cannot lawfully be excluded, our total aggregate liability to you arising from or related to your use of the Site shall not exceed one thousand Indian rupees (INR 1,000) or the amount you have paid us in the twelve months preceding the claim, whichever is greater. Because the Site is provided free of charge, this cap is intended to reflect the non-commercial nature of your relationship with us as a reader.

Indemnification

You agree to indemnify, defend, and hold harmless Aditya Gupta Official and its publisher, contributors, employees, and agents from any claim, demand, loss, damage, cost, or expense (including reasonable legal fees) arising from or related to: your breach of these Terms; your misuse of the Site; your violation of any law or regulation; your infringement of the rights of any third party in connection with your use of the Site; or any content you submit to us through the Site.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict-of-laws provisions. Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or validity thereof, shall first be referred to good-faith negotiation between the parties.

If a dispute cannot be resolved through negotiation within thirty days, it shall be subject to the exclusive jurisdiction of the competent courts located in India. Nothing in this section prevents us from seeking interim or injunctive relief in any court of competent jurisdiction to protect our intellectual-property or other proprietary rights.

Termination

We may suspend or terminate your access to the Site at any time, without notice and without liability, if we reasonably believe that you have breached these Terms or that termination is necessary to protect the Site, other users, or our legitimate interests. On termination, all licences granted to you under these Terms shall cease immediately, and you must stop using the Site and any of its content.

Provisions of these Terms that by their nature should survive termination — including Intellectual Property, Educational Content Disclaimer, Limitation of Liability, Indemnification, and Governing Law — shall survive termination of your access to the Site.

Severability and Entire Agreement

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or, if such modification is not possible, severed from these Terms, and the remaining provisions shall continue in full force and effect.

These Terms, together with our Privacy Policy, Cookie Policy, Disclaimer, and Affiliate Disclosure, constitute the entire agreement between you and us with respect to your use of the Site and supersede all prior or contemporaneous communications.

Contact

For questions about these Terms of Service, please email contact@adityaguptaofficial.com or use the structured form on our Contact page.