Disclaimer

1. General Disclaimer

The information provided on Rupiya is for informational and educational purposes only. Rupiya is a financial management and tracking tool designed to help you organize and monitor your investments. We are NOT a financial advisor, investment advisor, broker, or financial institution.

2. Data Security & Privacy

2.1 Zero-Knowledge Architecture

We cannot access your encrypted financial data. Rupiya uses a zero-knowledge architecture where your sensitive information is encrypted with keys that only you possess. This means:

• Complete Privacy: Even our administrators cannot view your encrypted financial data
• Client-Side Encryption: Data is encrypted on your device before being sent to our servers
• Your Keys Only: Only you have the encryption keys to decrypt your information
• No Data Access: We have designed our system so we cannot access your sensitive data even if legally compelled

2.2 What This Means for You

Your financial transactions, investment details, account information, and personal data are protected with AES-256 encryption - the same standard used by banks and government agencies. If our servers were compromised, your data would remain secure because it's encrypted with keys only you possess.

2.3 Data Security Disclaimer

While we implement robust security measures including end-to-end encryption, no system is 100% secure. You are responsible for:

• Keeping your login credentials secure and confidential
• Using strong, unique passwords
• Not sharing your account access with unauthorized persons
• Using secure devices and networks when accessing the Application
• Immediately reporting any suspected security breaches

We are not liable for unauthorized access resulting from your failure to maintain the security of your credentials or device.

3. No Investment Advice

Rupiya does not provide investment advice, recommendations, or tips. The Application is designed solely to help you track and manage your existing investments. Any information displayed, including market data, historical prices, or performance metrics, is for informational purposes only.

You should not rely on any information in the Application as a substitute for professional financial advice. Always consult with qualified financial professionals, investment advisors, or tax consultants before making any investment decisions.

4. Market Data Accuracy

While we strive to provide accurate and timely market data, we do not guarantee the accuracy, completeness, or timeliness of any information displayed in the Application. Market data is sourced from third-party providers and may be:

• Delayed or subject to errors
• Subject to change without notice
• Incomplete or inaccurate
• Affected by technical issues or data provider failures

You should verify all market data with official sources before making investment decisions.

5. Past Performance

Past performance is not indicative of future results. Historical data and performance metrics displayed in the Application should not be used to predict future performance. The value of investments can fluctuate significantly and may result in losses.

6. Investment Risk

All investments carry risk, including the potential loss of principal. The risk level varies depending on the type of investment:

• Stocks: Subject to market volatility and company-specific risks
• Mutual Funds: Subject to market risk and fund-specific risks
• Cryptocurrency: Highly volatile and speculative; extreme risk of loss
• Real Estate: Subject to market, liquidity, and property-specific risks
• Fixed Deposits: Generally lower risk but subject to inflation and interest rate risks

You may lose some or all of your invested capital. Only invest money you can afford to lose.

7. No Guarantee of Returns

Rupiya does not guarantee any returns on your investments. The Application cannot predict market movements or investment outcomes. Any projections or estimates provided are based on historical data and assumptions that may not hold true in the future.

8. Tax Implications

Rupiya does not provide tax advice. Investment returns may have tax implications that vary based on your jurisdiction, income level, and investment type. You are responsible for understanding and complying with all applicable tax laws. Consult with a qualified tax professional regarding your specific tax situation.

9. Third-Party Data & Services

The Application integrates with third-party services for market data, authentication, and other functionality. We are not responsible for:

• The accuracy or availability of third-party data
• Service interruptions or outages
• Changes to third-party services or APIs
• Third-party security breaches or data loss
• Compliance with third-party terms and policies

10. Technical Limitations

The Application may experience technical issues, including:

• Service interruptions or downtime
• Data synchronization delays
• Display errors or calculation inaccuracies
• Compatibility issues with certain devices or browsers
• Performance degradation during high usage periods

We are not liable for any losses or damages resulting from technical issues.

11. Data Accuracy Responsibility

You are responsible for ensuring the accuracy of all data you enter into the Application. Errors in data entry may result in inaccurate calculations and analysis. We recommend regularly reviewing your data for accuracy.

12. No Fiduciary Duty

Rupiya does not act as a fiduciary or financial advisor. We have no fiduciary duty to you, and you should not rely on the Application as a substitute for professional financial advice.

13. Limitation of Liability

To the maximum extent permitted by law, Rupiya shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or information
• Loss of business opportunities
• Investment losses or poor investment performance
• Any other damages arising from your use of the Application

This limitation applies even if Rupiya has been advised of the possibility of such damages.

14. Regulatory Compliance

Rupiya is not regulated as a financial institution or investment advisor. The Application does not provide services that require financial licensing or registration. You are responsible for ensuring your use of the Application complies with all applicable laws and regulations in your jurisdiction.

15. Cryptocurrency Disclaimer

Cryptocurrency is highly volatile and speculative. The cryptocurrency market is largely unregulated and subject to rapid price fluctuations. Cryptocurrency investments carry extreme risk, including:

• Extreme price volatility
• Regulatory uncertainty
• Security risks and hacking
• Liquidity risks
• Potential total loss of investment

Only invest in cryptocurrency if you fully understand the risks and can afford to lose your entire investment.

16. Changes to Disclaimer

We reserve the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting. Your continued use of the Application constitutes acceptance of the updated Disclaimer.

17. Acknowledgment

By using Rupiya, you acknowledge that you have read and understood this Disclaimer and agree to be bound by its terms. If you do not agree with any part of this Disclaimer, please do not use the Application.

18. Contact Us

If you have questions about this Disclaimer, please contact us at:

• Email: help.rupiya@gmail.com
• Address: 16, Maa Vihar Colony, Indore, MP