Disclaimer

FinMinutes (finminutes.com) is a financial research, education and analytics platform operated by Minutes Intelligence. The information, tools, calculators, terminals and articles published on this website are provided strictly for general informational and educational purposes only. By accessing or using this website, you acknowledge and agree to the terms set out below.

1. Not Investment Advice

Nothing on this website constitutes — and must not be construed as — investment advice, financial advice, trading advice, tax advice, legal advice, or a recommendation, solicitation or offer to buy, sell, or hold any security, financial product, or instrument. We do not provide personalised recommendations of any kind. Any decision you make based on information found here is made solely at your own discretion and risk.

2. No Advisory Relationship

Your use of this website does not create any advisory, fiduciary, or professional-client relationship between you and FinMinutes or Minutes Intelligence. We are a publisher of research and educational content and analytical tools — we are not your financial adviser, broker, or portfolio manager, and we do not execute transactions of any kind on your behalf.

3. Tool & Calculator Estimates

All calculators, terminals, scores and analytical tools produce model-based estimates and illustrations using assumptions and publicly available data. Outputs are approximations, may contain errors, and may differ materially from actual outcomes. They must not be relied upon as a guarantee of any result, return, or eligibility. Always verify figures independently and read all official scheme, product or offer documents before acting.

4. Accuracy & Completeness of Information

We strive for accuracy and draw wherever possible from primary and official sources. However, we make no representation or warranty, express or implied, as to the accuracy, completeness, timeliness, or reliability of any information on this website. Market data, prices, rates, and regulatory details change frequently and may be delayed or outdated. FinMinutes shall not be liable for any errors or omissions, or for any loss or damage arising from reliance on any information provided.

5. Market Risk

Investments in securities, mutual funds, and other financial products are subject to market risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results. The value of investments can go down as well as up. Please read all scheme-related and offer documents carefully before investing, and consult a qualified, appropriately registered financial adviser regarding your specific circumstances before making any financial decision.

6. Third-Party Links, Products & Affiliate Disclosure

This website may contain links to third-party websites, products, or services, including application or enrolment links for financial products. These links are provided for convenience and information only and do not constitute an endorsement or recommendation. We do not control and are not responsible for the content, policies, or practices of any third-party website.

Some outbound links may be affiliate links, meaning FinMinutes may earn a referral fee if you choose to apply for or purchase a product through them, at no additional cost to you. Such arrangements never influence our research, analysis, scoring, or ranking, which remain independent and are never determined by commercial compensation.

7. Advertising

This website may display third-party advertising, including via Google AdSense. Advertisements are served by third parties and do not represent an endorsement by FinMinutes of any advertised product or service. We are not responsible for the content of any advertisement or the practices of any advertiser.

8. Forward-Looking Statements

Certain content may contain forward-looking statements, projections, or opinions about markets, companies, or economic conditions. These reflect analysis and judgement as of the date of publication, are inherently uncertain, and should not be treated as fact or as a prediction of future events.

9. External Data & Intellectual Property

Where we reference figures, filings, or reports from external sources (such as company prospectuses, regulatory filings, or official statistics), those materials remain the property of their respective owners and are referenced for analysis and commentary. All original content, analysis, tooling and design on this website is the intellectual property of Minutes Intelligence and may not be reproduced without permission.

10. Your Responsibility

You are solely responsible for evaluating the merits and risks associated with the use of any information on this website. Before making any financial, investment, tax, or legal decision, you should conduct your own due diligence and seek independent advice from a suitably qualified and registered professional who is aware of your individual situation.

11. Changes to this Disclaimer

We may update this Disclaimer from time to time to reflect changes in our services, applicable law, or best practice. The "last updated" date above indicates when it was most recently revised. Continued use of the website constitutes acceptance of the current version.

12. Contact

For questions regarding this Disclaimer, you may reach us at [email protected].

By using finminutes.com you confirm that you have read, understood, and agree to this Disclaimer.