Welcome to SIP₹yy ("we", "us", "our"), a free educational website about Systematic Investment Plans and mutual funds, available at https://siplyy.pages.dev (the "Website"). These Terms of Service ("Terms") govern your access to and use of the Website. By accessing, browsing, or otherwise using the Website, you agree to be bound by these Terms in full.
If you do not agree with any part of these Terms, please do not use the Website. These Terms apply to all visitors regardless of location, although the Website is intended primarily for users in India. The Website is operated by Bhanuprakash Sardesai from Hubli, Karnataka, India.
1. Acceptance of terms
By accessing and using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you are using the Website on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.
We may revise these Terms at any time by updating this page (see Section 10). Your continued use of the Website after any changes take effect constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.
2. Description of service
The Website provides free educational content about SIPs and mutual funds, including articles, calculators, glossaries, and FAQs. All calculators on this Website run entirely in your browser using JavaScript. The numbers, charts, and projections displayed by the calculators are computed locally on your device and are not stored on or transmitted to any server.
We may add, modify, or remove features, content, or calculators at any time without prior notice. We may also restrict or terminate access to the Website for any reason, including violation of these Terms. The Website is provided on an "as available" basis and we do not guarantee uninterrupted or error-free access.
3. Educational use only — not investment advice
All content on the Website — including articles, blog posts, calculators, glossaries, FAQs, and any other material — is provided strictly for general information and educational purposes. Nothing on the Website constitutes investment, financial, legal, tax, or any other form of professional advice, and it should not be relied upon as such.
SIP₹yy is an educational publisher and is not a SEBI-registered investment adviser, research analyst, stockbroker, or portfolio manager. We do not recommend, endorse, or solicit investment in any specific mutual fund, stock, security, or financial product. Any mention of fund categories, indices, or investment strategies is illustrative and does not constitute a recommendation to buy, sell, or hold any security.
Before making any investment decision, you should consult a SEBI-registered investment adviser and consider your own financial situation, risk appetite, and investment objectives. Mutual fund investments are subject to market risks, and past performance is not indicative of future returns.
4. No warranties and disclaimers
The Website and all content are provided on an "as is" and "as available" basis without any warranties of any kind, whether express or implied. To the fullest extent permitted by applicable law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
We do not warrant that the Website will be accurate, complete, reliable, current, or error-free, that defects will be corrected, or that the Website or its servers are free of viruses or other harmful components. Your use of the Website is at your sole risk. Calculators rely on simplified mathematical models and assumptions (such as fixed rate of return, no taxes, no exit loads) that may not reflect real-world outcomes.
5. Limitation of liability
To the maximum extent permitted by applicable law, neither Bhanuprakash Sardesai nor any of his affiliates, partners, or contributors shall be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your access to or use of (or inability to access or use) the Website.
This includes, without limitation, damages for loss of profits, loss of investment capital, loss of data, business interruption, or any other commercial damages or losses, even if we have been advised of the possibility of such damages. Because some jurisdictions do not allow the exclusion or limitation of liability for certain damages, the above limitations may not apply to you to the extent prohibited by law.
You specifically acknowledge and agree that SIP₹yy shall not be liable for any investment losses, tax liabilities, or other financial consequences resulting from your reliance on any information, calculation, or content available on the Website.
6. Third-party links and services
The Website may contain links to third-party websites, mutual fund houses, news sites, regulatory portals (such as SEBI and AMFI), and other external resources that are not owned or controlled by us. These links are provided for convenience and reference only, and we have no control over the content, privacy practices, or accuracy of any third-party site.
We are not responsible for the content, accuracy, or opinions expressed on third-party websites, and inclusion of a link does not constitute endorsement or affiliation. Your use of third-party websites is at your own risk and is subject to the terms and policies of those sites. You should always verify any third-party information before relying on it.
7. Advertising and affiliate disclosure
SIP₹yy is a free website and our revenue comes from advertising and affiliate partnerships. To keep the Website free for all users, we display ads served by third-party advertising networks such as Google AdSense. Ads may appear in the header, sidebar, within articles, and at the end of content. Advertising partners may use cookies to serve relevant ads based on your visit to this Website and other websites; see our Privacy Policy for details on how to opt out.
In addition, we may publish paid placements and sponsored articles. Sponsored content will be clearly labelled as such (for example, with a "Sponsored" or "Promoted" tag). We may also participate in affiliate partnerships with mutual fund distributors, investment platforms, brokers, and financial product providers. When you click certain links on the Website and sign up for a service or product, we may earn a commission or referral fee at no additional cost to you.
The presence of advertising, sponsorship, or affiliate relationships does not influence the editorial stance of our educational content, and we do not recommend specific mutual fund schemes or products in exchange for payment. However, you should assume that any link to a third-party product or service may be an affiliate link, and that we may receive compensation if you take an action through that link. We encourage you to independently evaluate any product or service before signing up.
8. Intellectual property
All content on the Website — including articles, text, graphics, logos, calculator code, page designs, and software — is the property of SIP₹yy or its content contributors and is protected by Indian and international copyright, trademark, and other intellectual property laws. The SIP₹yy name and visual mark (SIPlyy) are trademarks of Bhanuprakash Sardesai.
You may view, download, and print pages from the Website for your personal, non-commercial use only. You may not reproduce, republish, redistribute, sell, licence, or otherwise exploit any content from the Website for commercial purposes without our prior written consent. Brief quotations with attribution and a link back to the original page are permitted under fair dealing provisions of the Copyright Act, 1957.
9. User conduct
You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use of the Website. Prohibited conduct includes, without limitation:
- Attempting to gain unauthorised access to any part of the Website, its servers, or its underlying systems;
- Using automated scripts, bots, scrapers, or crawlers to extract content from the Website without our prior written permission;
- Introducing viruses, malware, or any other malicious code to the Website;
- Impersonating any person or entity, or misrepresenting your affiliation with a person or entity;
- Using the Website to send unsolicited communications, advertise, or solicit donations or investments;
- Violating any applicable Indian or international law, including SEBI regulations on soliciting investments.
Violations of these rules may result in termination of access to the Website and, where applicable, referral to law enforcement or regulatory authorities.
10. Changes to these Terms
We may update or modify these Terms from time to time to reflect changes in our practices, legal requirements, or the features of the Website. When we do, we will revise the "Last updated" date at the top of this page. We encourage you to review these Terms periodically.
If we make material changes — for example, changes that significantly affect your rights or obligations — we will post a prominent notice on the Website for at least 30 days before the change takes effect. Your continued use of the Website after the effective date of any revised Terms constitutes your acceptance of the changes.
11. Governing law and jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict of law provisions. Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts located in Hubli, Karnataka, India.
You and we agree to attempt in good faith to resolve any dispute informally before initiating legal proceedings. If a dispute cannot be resolved within 60 days of written notice, either party may approach the competent court in Hubli, Karnataka. The Consumer Protection Act, 2019 and the rules made thereunder shall apply to any consumer dispute arising out of the Website.
12. Contact information
If you have any questions, concerns, or feedback about these Terms or your use of the Website, please contact us:
Bhanuprakash Sardesai
Founder, SIP₹yy
Hubli, Karnataka, India
Email: brssardesai@gmail.com
Phone: +91-9108752716
We aim to respond to all enquiries within 7 working days. For grievance redressal, please mention "Grievance — Terms of Service" in the subject line of your email. Grievances will be acknowledged within 24 hours and resolved within 15 working days, in line with applicable Indian law.