Terms of Service

1. Introduction

Welcome to Frugal Indians. These Terms of Service ("Terms") govern your use of our website located at https://FrugalIndians.com ("Website") and all content, services, and products available at or through the Website, including but not limited to our AI tools, calculators, and premium membership services (collectively, "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to all the terms and conditions, you should not access or use our Services.

2. Intellectual Property

The content on the Website, including but not limited to text, graphics, logos, icons, images, software, and all other material ("Content"), is the property of Frugal Indians or its content suppliers and is protected by international copyright laws.

The compilation of all content on this site is the exclusive property of Frugal Indians and is protected by copyright laws. All software used on this site is the property of Frugal Indians or its software suppliers and is protected by international copyright laws.

3. Premium Membership

Our Premium Membership is a subscription-based service that provides access to exclusive content, tools, and features of our Website.

3.1 Subscription and Billing

By subscribing to Premium Membership, you agree to pay the subscription fee indicated at the time of purchase. Subscription fees are billed in advance on a monthly or annual basis, depending on the plan you choose. You authorize us to charge your payment method for the subscription fees and any applicable taxes.

3.2 Automatic Renewal

Your subscription will automatically renew at the end of each billing period unless you cancel it before the renewal date. By subscribing, you authorize us to charge your payment method for the renewal period.

3.3 Cancellation Policy

You may cancel your Premium Membership at any time by contacting us. Upon cancellation, your subscription will continue until the end of the current billing period, and you will not receive a refund for any unused portion of your subscription.

3.4 Modifications to Premium Services

We reserve the right to modify, suspend, or discontinue any part of the Premium Membership at any time. We may also change the subscription fees upon notice to you. If you continue to use the Premium Membership after such changes take effect, you accept the new terms and fees.

4. AI Tools and Calculators

Our Website provides access to various AI-powered financial tools and calculators. These tools are provided for informational and educational purposes only and should not be considered financial advice.

4.1 No Financial Advice

The information and calculations provided by our tools are based on the data you input and general financial principles. They do not take into account your specific financial situation, goals, or needs. You should consult with a qualified financial professional before making any financial decisions.

4.2 Accuracy of Information

While we strive to ensure the accuracy of the information and calculations provided by our tools, we cannot guarantee their accuracy, completeness, or reliability. You acknowledge that any reliance on such information is at your own risk.

5. User Content

Our Services may allow you to post, link, store, share, and otherwise make available certain information, text, graphics, videos, or other material ("User Content"). You are responsible for the User Content that you post on or through our Services, including its legality, reliability, and appropriateness.

By posting User Content on or through our Services, you represent and warrant that: (i) the User Content is yours or you have the right to use it and grant us the rights and license as provided in these Terms, and (ii) that the posting of your User Content on or through our Services does not violate the privacy rights, publicity rights, copyrights, contract rights, or any other rights of any person or entity.

6. Limitation of Liability

In no event shall Frugal Indians, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use our Services; (ii) any conduct or content of any third party on our Services; (iii) any content obtained from our Services; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

7. Disclaimer of Warranties

Our Services are provided "as is" and "as available" without any warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our Services will be uninterrupted, timely, secure, or error-free.

8. Indemnification

You agree to defend, indemnify, and hold harmless Frugal Indians, its officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to our Services; (ii) your violation of any term of these Terms; (iii) your violation of any third-party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that your User Content caused damage to a third party.

9. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use our Services.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

11. Contact Us

If you have any questions about these Terms, please contact us.