Terms of Service

These Terms of Service ("Terms") govern your use of financialdecisionlab.com (the "Site"), operated by Digiwind Digital Marketing (OPC) Pvt. Ltd. ("we", "us", or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

Financial Decision Lab is a personal finance information and education website. The content published here is intended to help readers understand financial concepts, program eligibility, and available resources. It is not a financial advisory service, a lender, a broker, or a government agency.

Nothing on this Site constitutes financial advice, investment advice, legal advice, or tax advice. All content is provided for general informational and educational purposes only.

Program eligibility rules, benefit amounts, income thresholds, and government policy details change over time. We make reasonable efforts to keep content accurate, but we do not guarantee that information is current, complete, or applicable to your specific circumstances.

You should consult a qualified financial advisor, attorney, or tax professional before making any financial decision. Verify program details directly with the relevant government agency or program administrator before applying.

Some links on this Site are affiliate links. If you click through and complete a qualifying action on a third-party site, we may receive a commission from the affiliate network at no additional cost to you.

We participate in affiliate programs through MaxBounty and other networks. The presence of an affiliate link does not mean we endorse the linked service or guarantee any outcome from using it.

In accordance with FTC guidelines (16 CFR Part 255), affiliate relationships are disclosed on relevant pages and in the footer of this Site. Editorial content is not influenced by affiliate compensation.

All original content on this Site — including articles, headings, editorial copy, design elements, and graphics — is the property of Digiwind Digital Marketing (OPC) Pvt. Ltd. and is protected by applicable copyright law.

You may not:

• Reproduce or republish our content in full without written permission
• Scrape the Site for commercial use
• Use our content to train AI models or build competing products without permission

Short quotations with attribution and a link back to the original article are permitted for editorial, educational, or journalistic purposes.

The Site contains links to third-party websites, including government agencies, financial service providers, and affiliate partners. We do not control these sites and are not responsible for their content, privacy practices, or terms.

Clicking an outbound link from this Site means you are leaving and entering a third-party environment governed by that site's own terms.

We make reasonable efforts to ensure the accuracy of information published on this Site. However, we do not warrant that all content is error-free, up to date, or applicable to every reader's situation. Financial regulations, program rules, and eligibility criteria change frequently.

We reserve the right to update, modify, or remove content at any time without notice. We do not guarantee uninterrupted availability of the Site.

To the fullest extent permitted by applicable law, Digiwind Digital Marketing (OPC) Pvt. Ltd. and its operators are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this Site or reliance on its content.

This includes, without limitation, financial loss, missed program deadlines, or decisions made based on information found on this Site. Use of this Site is entirely at your own risk.

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

These Terms are governed by the laws of India, where Digiwind Digital Marketing (OPC) Pvt. Ltd. is incorporated. Any disputes arising from use of this Site shall be subject to the jurisdiction of the courts of India, without prejudice to your rights under the laws of your own country.

We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.