Terms of Service

1. Acceptance

By accessing or using Muktify (muktify.in), you agree to these Terms of Service and consent to the processing of your data as described in our Privacy Policy. If you do not agree, please do not use the service. Muktify is available to individuals aged 18 or older who are residents of India.

2. What Muktify is

Muktify is an educational financial calculator that helps you understand your financial position. All outputs are estimates based solely on the numbers you enter.

3. What Muktify is not responsible for

• Muktify is not investment advice.
• Muktify is not tax advice.
• Muktify is not a substitute for a qualified financial adviser.
• Muktify is not responsible for financial decisions made using this tool.
• Actual investment returns, interest rates, and financial outcomes will differ from projections.

4. Subscription

• Founding Plan: ₹299/year (all-inclusive). Current plans and prices are always shown on the payment page before you pay.
• Subscriptions renew annually unless cancelled.
• Cancel anytime from your Account page (tap your avatar on the Home screen). Cancellation takes effect at the end of the billing period.
• 7-day money-back guarantee. See our Refund Policy.

5. Prohibited use

• No automated scraping or systematic data extraction.
• No reselling, redistribution, or commercial reuse of outputs.
• One account per individual. Joint or shared accounts are not permitted.
• No use that violates Indian law or misrepresents Muktify outputs.

6. Limitation of liability

To the maximum extent permitted by law, Muktify and its operators are not liable for any financial loss, investment loss, or consequential damage arising from the use of this tool. Muktify's total liability is limited to the subscription fees paid in the past 12 months.

7. Governing law

These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in India.

8. Changes to terms

We may update these terms from time to time. Continued use of Muktify after changes means you accept the updated terms. We will notify subscribers of material changes via email.