Terms and Conditions Effective Date: May 2026
Namaste! Welcome to SIPCalculatorNP.com. I am Basanta, the sole creator and operator of this website. These Terms and Conditions, published on this page, govern your access to and use of SIP Calculator NP, including other financial calculators, articles, guides, and any other content or services available on this platform. So, please read them carefully.
By accessing or using this website in any way — whether you are running a calculation, reading a blog post, or simply browsing — you agree to be bound by these terms. If you disagree with anything written here, I respectfully ask you to stop using the website.
1. What This Website Is
SIP Calculator NP is an independently operated one-person. All the financial calculators and educational content platform is built to make easy calculations for everyone who is planning to calculate these investment returns or just to learn the basics. I provide free, browser-based financial planning tools — a SIP Calculator, Lumpsum Calculator, SWP Calculator, RD Calculator, FD Calculator, and Retirement Planning Calculator — along with articles and guides about mutual fund investing, savings, retirement planning, and personal finance topics relevant to Nepal.
This website is not a financial institution. I am not licensed by the Nepal Rastra Bank (NRB), the Securities Board of Nepal (SEBON), or any other financial regulatory body in Nepal. I do not accept deposits, manage investments, execute trades, sell insurance, or provide personalized financial advice. I build tools and create educational content — that is the scope of what this website offers.
2. Who Can Use This Website
Although there are no specific terms to use this website, as it’s made for educational purposes only, it’s still intended for individuals who are at least 16 years old. If you are under 16, you may use this website only with the involvement and supervision of a parent or legal guardian. By using this website, you confirm that you meet this age requirement or that a parent or guardian has consented to your use.
While I have designed my tools and content primarily for residents of Nepal and Nepali investors, the website is accessible from anywhere in the world. If you are visiting from outside Nepal, you are responsible for making sure your use complies with the laws of your own country or jurisdiction.
3. How You May Use My Calculators and Tools
All the financial calculators on this website are free for your personal, non-commercial use. You are welcome to use them as many times as you like to estimate investment outcomes, project deposit maturity values, plan your retirement savings, or explore any financial scenarios for your own planning purposes.
Here is what I ask in return:
Your inputs are your responsibility. The results my calculators produce depend entirely on the numbers you enter. If you type in the wrong interest rate, the wrong tenure, or the wrong monthly amount, the output will be incorrect — and that is not something I can control or be held responsible for. Please double-check your inputs before relying on the results for any financial decision.
Results are estimates. I have said this on the Financial Disclaimer page, and I will say it again here because it is important: every number my calculators generate is a mathematical projection based on assumptions — most notably, a constant rate of return. Real-world investments and deposits do not work that way. Please read my Financial Disclaimer for a detailed explanation of these limitations.
No automated or bulk access. You may not use bots, scrapers, automated scripts, or any other programmatic means to access, query, or extract data from my calculators or any other part of this website without my written permission. My tools are designed for individual people using a web browser, not for machines harvesting data.
4. My Intellectual Property
Everything on this website — the written content, calculator designs, user interface layouts, blog articles, guides, graphics, logos, icons, CSS stylesheets, JavaScript code, WordPress theme files, WordPress plugin code, and the overall look and feel of the platform — is my intellectual property unless I have stated otherwise on a specific page.
I have built every calculator on the SIP Calculator NP myself. I wrote every article. I designed and coded the theme. This is original work, and applicable intellectual property laws protect it.
You are welcome to do the following without asking permission: view pages on this website, bookmark them, share links to individual pages on social media or messaging apps, and print individual pages for your own personal reference.
You may not do the following without my explicit written permission: copy, reproduce, distribute, republish, or repost substantial portions of my content — whether it is calculator descriptions, blog articles, how-to guides, disclaimer text, code snippets, or any other material — on another website, blog, YouTube channel, mobile app, social media account, or any other platform. This applies whether you are doing it for profit or not.
If you would like to quote, reference, or republish any content from this website, please email me at classytechstudio@gmail.com to ask. I am generally reasonable about these things — I just want to know about it and have a say in how my work is used.
5. What You Agree Not to Do
When using this website, you must agree that you will not:
— Using the site for any purpose that violates the Nepali law and any other particular organization’s law (Basically BFIs)
— Attempt to gain unauthorized access to any part of the website, its servers, or connected systems
— Upload or introduce viruses, malware, trojans, or any other harmful code
— Interfere with or attempt to disrupt the website’s operation, performance, or security
— Impersonate another person or misrepresent your identity or affiliation
— Collect or harvest personal information about other users of this website
— Use the content, code, or design of this website to create a competing product or service without my permission
6. Links to Other Websites
My website occasionally links to third-party websites — including the websites of banks operating in Nepal, asset management companies, regulatory bodies like NRB and SEBON, financial news portals, and other educational resources. I include these links because I think they add value for my readers.
However, I do not control what is on those websites, and I am not responsible for their content, accuracy, privacy practices, or availability. When you click on a link that takes you away from sipcalculatornp.com, you are leaving my website, and your interaction with that external site is governed by their terms and policies — not mine.
A link on my website does not mean I am promoting or endorsing any linked site or have any relation with that site; I just share it for referencing the content.
7. Advertisements on This Website
Currently, I am not displaying any ads. But in the future, I may display advertisements on this website through Google AdSense. These ads help me cover the costs of web hosting, domain registration, development tools, and the time I spend maintaining and improving this platform. Without ad revenue, I would not be able to keep these calculators free for everyone.
Google’s ad network serves the specific ads that may appear on my pages. For that, I do not have direct control over which individual ads are shown to you. The appearance of an advertisement on my website does not mean I endorse, recommend, or vouch for the product, service, or company being advertised.
If you see an ad that feels misleading, offensive, or inappropriate on my website, please let me know at classytechstudio@gmail.com so I can report it and take steps to block it.
If I ever publish sponsored or partnered content on this website, I will always disclose it clearly and prominently. No advertiser or sponsor will ever influence the accuracy or independence of my calculators or educational articles. That is a line I will not cross.
8. No Warranties
I provide this website, its calculators, and all its content on an “as is” and “as available” basis. I work hard to keep everything accurate, up to date, and running smoothly — but I am one person, and I cannot guarantee perfection at all times.
To the fullest extent allowed by Nepali law, I make no warranties, whether express or implied, including but not limited to:
— That the website will always be available, uninterrupted, and free of errors
— That the calculator results will be perfectly accurate for every possible scenario and input combination
— That all information on the website reflects the very latest NRB directives, SEBON regulations, tax slabs, or bank interest rates at every moment
I do my best. I keep on updating all financial tools when there are changes in regulations requirements. Also, I will keep on watching to make every tools availiable. I fix bugs as soon as I discover them, and I take security seriously. But “my best” is not the same as a guarantee, and I want to be honest about that.
9. Limitation of Liability
To the maximum extent permitted by applicable law in Nepal, I — Basanta Limbu, shall not be liable for any direct, indirect, incidental, special, consequential, or punitive loss due to the use or connection of my site data, calculations or results. This includes, but is not limited to, financial losses, investment losses, loss of profits, loss of data, missed opportunities, or any damages resulting from decisions you make based on information, tools, or content provided on this website.
This limitation applies regardless of the legal theory — whether contract, tort, negligence, or otherwise — and even if I have been advised of the possibility of such damages. You use this website, its calculators, and its content at your own risk.
10. Indemnification
You agree to indemnify, defend, and hold harmless SIP Calculator NP and its creator from any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) that result from your violation of these Terms and Conditions, misuse of the website, or violation of any applicable laws.
11. Changes to the Website
I reserve the right to modify, update, pause, or discontinue any part of this website — including specific calculators, blog articles, features, or design elements — at any time and without prior notice. I am building this project continuously, which means things will evolve. I have no obligation to maintain any specific feature indefinitely, but I will do my best to notify users if I make major changes that affect how the website works.
12. Changes to These Terms
I may revise these Terms and Conditions in the future as per requirement. If I make any changes, I will update the “Effective Date” at the top of this page. If you continue using the website after a change, that constitutes your acceptance of the revised terms. I encourage you to check this page occasionally.
13. Governing Law
These Terms and Conditions shared by SIPCalculatorNP are governed by and interpreted in accordance with the laws of Nepal. If any dispute arises from related due to this, then this website shall be subject to the exclusive jurisdiction of the courts in Nepal.
14. Severability
If any part of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a competent court, the rest of the terms remain fully in effect. The problematic provision will be modified to the minimum extent necessary to make it valid while preserving its original intent as closely as possible.
15. Entire Agreement
These Terms and Conditions, together with my Privacy Policy and Financial Disclaimer, make up the entire agreement between you and me regarding your use of this website. They replace any previous agreements or understandings, written or spoken, on the same subject.
16. Get in Touch
If anything in these terms is unclear, or if you have questions or concerns, I am happy to hear from you:
Email: classytechstudio@gmail.com
Website: https://sipcalculatornp.com