Terms of Use

Terms & Conditions

About the service

These terms govern your use of the Financial Guidance app and website. By creating an account or purchasing a plan you agree to them.

Educational purpose only

All notes, posters, quizzes, calculators, mock tests and AI answers — across insurance, banking, loans, mutual funds, stock market, tax planning, government schemes, personal finance and scam awareness — and the Claim Help guides (including Loan Help) and the Loan Closure Letter and Complaint Letter formats — are for education. They are not financial, investment, tax, legal or insurance advice and are not a quotation or recommendation to buy any product. Consult a licensed professional before making decisions.

Loan Closure Letters and Complaint Letters (to a company, an ombudsman or a regulator) are general formats filled with the details you enter; you are responsible for checking that they are correct and complete before sending them. Letters are created on your phone and are not sent, filed or stored by us, and we do not represent you in any complaint. Claim Help and the letters are for signed-in members. Creating a letter and copying or sharing its text is free for every member; the ready-to-print PDF letter is included with Premium. Claim and loan help guides summarise RBI, IRDAI and other official rules as we understand them; your lender's or insurer's own process and the official rules prevail.

Tax, banking and government-scheme content (for example tax slabs, deductions, interest rates and forms such as Form 121, which replaced Forms 15G/15H) reflects our understanding of the rules at the time of writing. Rules change often — always confirm with the official source or a qualified professional.

IC-38 preparation material is independent study support and is not affiliated with or endorsed by IRDAI, Insurance Institute of India or any insurer.

Accounts

You must provide accurate details, use your own regular email address (temporary or disposable emails are not allowed), verify it with the code we send, choose a password of at least 8 characters with a letter and a number, and keep it confidential. Profile details you add (photo, mobile number, profession, company) must be your own, lawful and not offensive; you can edit or remove them anytime from Profile → Edit. An email change takes effect only after you confirm the code sent to the new address. An account may be used on only one device at a time — signing in on a new device signs out the previous one. For security, regular accounts are signed out after 15 minutes without activity.

Sharing, reselling or giving others access to your account is not allowed.

Premium plans & payments

Premium plans are offered separately for Learners and for Professionals; each shows its own prices and benefits on the Premium tab, and a Professional plan requires an approved Professional profile. Premium unlocks all topic quizzes, certificate tests and certificates (for every subject), plus IC-38 Exam Preparation, Sales Academy (including IC-38 mock tests where IC-38 is Premium) and all financial calculators for the period purchased. Current plans: Learner Monthly ₹59 (1 month), Learner Quarterly ₹149 (3 months), Learner Yearly ₹499 (12 months), Professional Monthly ₹199 (1 month), Professional Quarterly ₹499 (3 months), Professional Yearly ₹1499 (12 months). Prices are in Indian Rupees (INR).

Payments are processed securely by Razorpay or, in the Android app, through Google Play Billing (the admin may offer either or both). Google Play subscriptions renew automatically until you cancel them in the Google Play Store (Payments & subscriptions → Subscriptions); their billing, renewals and refunds follow Google Play's terms. Razorpay plans bought without auto-pay are one-time payments for a fixed period and do not renew. Monthly and Yearly plans can instead start with a 3-day free trial (one per person) through a Razorpay auto-pay mandate: nothing is charged during the trial, then the plan price (GST inclusive) is charged automatically and renews every month or year until you cancel in the app (Premium → Cancel auto-pay). The first charge after the trial and later renewal charges are not refundable. Access starts once the payment is verified. Coupon discounts apply only at checkout and cannot be combined.

Calculators include Income Tax, Tax Saving Planner, Human Life Value (HLV), Term Insurance, Retirement, Education, ULIP, ULIP vs Term + SIP, PPF, Sukanya Samriddhi, NPS and other Government savings schemes, Career Earnings, and the loan calculators: Loan EMI (reducing balance or flat rate), Loan Eligibility, Compare Two Loan Offers, Loan Prepayment Planner and Loan Balance Transfer Check. The admin decides which calculators are free; the Calculators tab shows this. The advanced (Premium) calculators, calculator report downloads (PDF) and the Sales Toolkit are available only to members with an active Premium plan and a professional profile; learner profiles can use the free calculators. Switching from a Learner to a Professional profile requires you to submit correct professional details: profession / designation, company, licence / agent code, official email (agents may use the email they use for work) and, optionally, your employee code and an ID card photo, and to accept the Declaration of Correct Information. Professional access, the professional tools and the “✔ Verified Professional” badge are then given straight away. If our automatic checks find something that needs a closer look (for example a code or official email already used by another member), the request is held for an admin to review and we email you the result. We may also verify these details at any time with your company or the regulator, and you may verify your official email with a one-time code. If any information is found to be false or misleading, your account will be suspended immediately without notice and no refund will be given for any Premium plan or payment. Professional profiles must include a company name, a professional code, an official email and a line of business. The Digital Visiting Card is available only to verified Life, Health, General Insurance, Mutual Fund and Banking professionals with Premium. Verified members show a “✔ Verified Professional” badge on their profile, client reports and Story cards (and on their digital visiting card when enabled by us). The badge confirms we checked the details you submitted; it is not a licence or endorsement by Financial Guidance. Switching from Professional to Learner is immediate (Insurance Professional, Insurance Advisor, Financial Advisor or Agent).

If your profile profession is Insurance Professional, Insurance Advisor, Financial Advisor or Agent, the reports you download include your name, photo, profession, company, mobile number and email so your clients can contact you. You are responsible for sharing reports only with clients who agree to receive them, and for explaining that results are educational estimates.

My Clients (advisors only): you may store client names, mobile numbers, emails, city and notes only with your client's consent. You are responsible for this client data; it stays private to your account and is deleted when you delete the client or your account. WhatsApp sharing opens WhatsApp on your device — Financial Guidance does not send WhatsApp messages on your behalf. If you add a client's email with a birthday or anniversary date, the app emails them a greeting signed with your name; add these only with your client's consent. Your lead page and digital visiting card show your profile details to anyone you share them with.

Refunds are governed by our Refund & Cancellation Policy.

Refer & Earn

Every member gets a personal referral code. A friend who opens your invite link or enters your code while creating a new account gets 10% off their first Premium plan; this cannot be combined with a coupon (a coupon, if used, replaces it).

When that friend buys any Premium plan, you receive 7 free Premium days, added after your current plan ends. You can earn up to 12 free weeks in any 12 months. Rewards have no cash value and cannot be transferred. Self-referrals, fake or duplicate accounts are not allowed — we may cancel rewards gained this way. We may change or end the programme at any time; rewards already earned stay valid.

Professionals' marketing & leads

Professionals who share posters, greeting cards, Status cards, Digital Visiting Cards, client reports or other content from Financial Guidance are solely responsible for following the advertising and disclosure rules of their insurer, IRDAI, AMFI, SEBI or any other applicable authority, including obtaining any approval their insurer requires before publishing insurance-related material. Financial Guidance does not review or approve content shared by Professionals.

Call-back requests submitted through a Professional's lead form go only to that Professional. Financial Guidance never sells, shares or passes leads to insurers, other advisors or third parties.

Acceptable use

Do not copy, redistribute, resell, scrape or publicly share Premium content; take screenshots, screen recordings or photos of protected content, or attempt to bypass payment, screenshot or other security controls; or upload harmful material. Protected screens may show your name as a watermark, and screenshot attempts are logged. We may suspend or terminate accounts that break these rules, without refund.

False or misleading profile details: accounts found to have entered false or misleading information (for example a wrong company, designation, employee code, licence / agent code or official email) are suspended immediately without notice. A suspended account cannot sign in and no refund is given for any Premium plan or payment.

Intellectual property

All content, design, logos and the app name belong to Financial Guidance or its licensors. You receive a personal, non-transferable licence to use the content for your own learning.

Liability

The service is provided “as is”. To the extent permitted by law, we are not liable for losses arising from decisions made using the content, or for temporary unavailability of the service. Our total liability is limited to the amount you paid for your current plan.

Governing law

These terms are governed by the laws of India. Disputes are subject to the jurisdiction of the competent courts in India.

Changes to these terms

We update these terms whenever we add major features. Continuing to use the app after an update means you accept the new terms.

Last updated: 25 October 2026.