Disclaimer — FirstBuzz365.com
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Important Notice

Disclaimer

Please read this before relying on any information published on FirstBuzz365.com

Effective Date: 1 June 2025  |  Last Reviewed: June 2026
Last Updated: June 2026. This Disclaimer applies to all content, tools, calculators, and digital products published on FirstBuzz365.com.

Not Financial Advice — Please Read

Nothing on FirstBuzz365.com constitutes financial advice, investment advice, tax advice, insurance advice, or legal advice. We are a content and information website, not a regulated financial services provider. Always consult a qualified professional before making financial decisions.

1. General Information Disclaimer

All content published on FirstBuzz365.com — including articles, guides, calculators, tools, infographics, and digital product files — is provided for informational and educational purposes only. It is not intended to be, and should not be construed as, professional financial, investment, tax, insurance, legal, or any other category of regulated advice.

While we make every reasonable effort to ensure that the information we publish is accurate, complete, and up to date at the time of publication, we make no warranty or guarantee — express or implied — regarding the accuracy, completeness, reliability, suitability, or availability of any content on this website.

Always Verify Independently Tax slabs, government scheme amounts, EPF/ESIC rates, RBI repo rates, insurance regulations, and all other financial figures change frequently. Always verify critical figures directly from official government sources — the Income Tax Department (incometaxindia.gov.in), EPFO (epfindia.gov.in), RBI (rbi.org.in), SEBI (sebi.gov.in), or the relevant ministry — before making any financial decision.

2. No Financial Advice

FirstBuzz365 is not registered with SEBI as an investment adviser, is not registered with IRDAI as an insurance intermediary, is not registered with the RBI, and is not a Chartered Accountant, Company Secretary, or any other category of licensed financial professional.

Specifically, the following content types on this website do not constitute professional advice:

  • Articles explaining how SIPs, mutual funds, PPF, EPF, NPS, or other investment products work — these are explanations, not recommendations for your specific situation.
  • Tax filing guides and tax-saving articles — these explain the general rules under the Income Tax Act. Your specific tax situation may differ. Consult a Chartered Accountant for personalised tax advice.
  • Insurance comparison articles — these are educational overviews. Consult an IRDAI-registered insurance advisor for personalised recommendations.
  • Salary negotiation and career articles — these are general strategies and are not legal advice on employment contracts.
  • Calculator outputs — our EMI calculators, SIP return calculators, HRA calculators, and other tools produce estimates for illustration purposes. Actual figures depend on your lender’s, insurer’s, or fund house’s specific terms and conditions.

For decisions specific to your financial situation, always consult a SEBI-registered investment adviser, Chartered Accountant, IRDAI-registered insurance advisor, or other appropriately qualified professional.

3. Investment Risk Disclaimer

All investments carry risk. Past performance of any investment product mentioned on this website does not guarantee or indicate future results. The value of investments can go down as well as up, and you may get back less than you invest.

  • Mutual fund investments are subject to market risk. Please read all scheme-related documents carefully before investing.
  • Stock market investments are inherently risky and subject to market volatility, economic conditions, and other factors outside our control.
  • Fixed income products (FDs, bonds, PPF) are subject to interest rate risk and, in some cases, credit risk.

We do not recommend any specific mutual fund scheme, stock, or investment product. Any mention of a specific product by name is for illustrative or explanatory purposes only.

4. Accuracy & Timeliness Disclaimer

We research and fact-check our content carefully before publication and update articles when significant changes occur. However:

  • Tax laws, government schemes, contribution rates, and financial regulations in India change frequently — sometimes mid-year. An article that was accurate at the time of publication may contain outdated figures by the time you read it.
  • Our calculators use assumptions and standard formulae. They are not connected to live data feeds. Calculator results are indicative estimates, not guaranteed outcomes.
  • We are a small team. Despite our best efforts, typographical errors and factual mistakes may exist. If you spot one, please report it to support@firstbuzz365.com — we correct all verified errors within 5 business days.
Article Publication Dates Each article on FirstBuzz365.com displays a “Last Updated” date. Always check this date before relying on specific figures, rates, or regulatory information. The more time-sensitive the information, the more important it is to cross-check with official sources regardless of our publication date.

5. Affiliate Link Disclaimer

We Earn Commissions on Some Links FirstBuzz365.com participates in affiliate programmes. Some links on this website are affiliate links — when you click them and make a purchase, we earn a commission at no additional cost to you. This is a primary way we fund the website and keep our content free.

Our affiliate relationships include:

  • Amazon Associates (India): Tag: firstbuzz36-21. We earn from qualifying purchases made through our Amazon links.
  • vCommission: Publisher ID: 128092. We may earn commissions on purchases made through vCommission partner links.
  • Other affiliate networks as disclosed within individual articles.

Our editorial recommendations are not influenced by affiliate commissions. We recommend products we genuinely believe are useful, regardless of whether an affiliate relationship exists. Articles containing affiliate links include a disclosure notice at the top.

6. Third-Party Content & Links Disclaimer

FirstBuzz365.com contains links to external websites for reference and reader convenience. We do not control these external sites and are not responsible for their content, accuracy, privacy practices, or availability.

Linking to an external site does not constitute an endorsement of that site’s content, products, services, or the organisations behind them. You access external links at your own risk and subject to the terms and conditions of those websites.

We are not responsible for content on any external site that a link on our website leads to, including government portals, financial institutions, product merchant sites, or social media platforms.

7. Digital Products Disclaimer

Our digital products (HTML tools, Excel dashboards, calculators) are designed for personal financial planning and illustration purposes. They are not accounting software, tax filing tools, or professional financial planning systems.

  • Calculator outputs are estimates based on the formulae and assumptions described in each product. Actual results from banks, insurance companies, mutual funds, or the government may differ.
  • Tax calculation tools are based on general tax rules. Your personal tax liability depends on many individual factors — always verify with a Chartered Accountant before filing.
  • We update our digital products when major regulatory changes occur, but we cannot guarantee real-time accuracy at all times given how frequently Indian financial regulations change.

8. Limitation of Liability

To the fullest extent permitted under applicable Indian law, FirstBuzz365 and its owner shall not be liable for any loss or damage — direct, indirect, consequential, incidental, special, or punitive — arising from:

  • Reliance on any information, tool, or calculator published on this website
  • Financial decisions made based on our content without consulting a qualified professional
  • Any inaccuracy or outdated information in our articles or tools
  • Use of or inability to use any part of this website or its digital products

Your use of this website and its content is entirely at your own risk. This limitation of liability applies whether or not we have been advised of the possibility of such damages.

9. Governing Law

This Disclaimer is governed by and construed in accordance with the laws of India. Any dispute arising from your use of FirstBuzz365.com shall be subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana, India.

If any provision of this Disclaimer is found to be unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force.

10. Contact

If you have questions about this Disclaimer, believe we have published inaccurate information, or want to report a factual error:

Email: support@firstbuzz365.com
Contact page
We respond within 48 business hours and correct verified errors within 5 business days.