1. Acceptance of Terms

By accessing or using the OneMint website (onemint.com), you agree to comply with and be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website. These terms apply to all visitors, readers, and anyone who accesses or uses OneMint.

2. Use of Content

All articles, tools, calculators, financial data, and other content published on OneMint are for general informational and educational purposes only. This content:

  • Is NOT financial, investment, tax, medical, or legal advice.
  • Does not account for your individual financial situation, risk tolerance, or goals.
  • May not reflect the most current regulatory, tax, or market developments.
  • Should not be the sole basis for any financial decision.

Always read all scheme-related documents carefully before investing in mutual funds. Consult a SEBI-registered Investment Advisor, Chartered Accountant, or qualified professional before making financial, tax, or legal decisions.

3. Intellectual Property

All content on OneMint — including articles, graphics, logos, tool designs, and code — is the property of OneMint and is protected by Indian and international copyright laws. Unauthorized reproduction, redistribution, or commercial use of any content is prohibited.

You may:

  • Share links to OneMint articles freely on social media, WhatsApp, or email.
  • Quote up to 200 words of an article with clear attribution to OneMint and a link to the original.
  • Use our calculators for personal financial planning.

You may not:

  • Republish, copy, or scrape full articles without written permission.
  • Use OneMint content for commercial purposes without a license.
  • Remove copyright notices or attribution from any content.
  • Frame OneMint pages within another website.

4. User-Generated Content

When you submit topic suggestions, comments (via Giscus), or messages through our contact form, you grant OneMint a non-exclusive, royalty-free, worldwide license to use, reproduce, and adapt your submissions for editorial purposes (e.g., writing an article based on your suggestion). You retain ownership of your submissions.

You agree not to submit content that is:

  • Spam, promotional, or commercially soliciting.
  • Illegal, defamatory, or violating the rights of others.
  • False financial information or investment advice.
  • Impersonating another person or entity.
  • Malware, phishing links, or other malicious content.

OneMint reserves the right to remove any submitted content that violates these terms without prior notice.

5. Financial Disclaimer

This section is critical. Please read carefully:

  • OneMint’s calculators (SIP, EMI, PPF, NPS, EPF, etc.) are illustrative tools only. Results are mathematical estimates based on inputs you provide and assumed fixed rates. Real-world returns will differ due to market volatility, changing interest rates, expense ratios, exit loads, taxes, and other factors.
  • Mutual fund investments are subject to market risks. Equity investments can lose value. Always read the Scheme Information Document (SID) and Key Information Memorandum (KIM) before investing.
  • Past performance is not indicative of future results. A fund that returned 20% last year may return −10% next year.
  • Tax laws, interest rates, and contribution limits (e.g., PPF, NPS, 80C) are subject to change by the Government of India. Always verify current rules with official sources (Income Tax Department, SEBI, PFRDA, EPFO).
  • OneMint is not a stockbroker, mutual fund distributor, or registered investment advisor. We earn revenue through advertising and, where disclosed, affiliate partnerships.

6. Accuracy of Information

We make every effort to ensure the information published on OneMint is accurate, up-to-date, and clearly written. However, we make no warranties or representations regarding the completeness, accuracy, or reliability of any content. OneMint does not guarantee that articles reflect the most recent changes in tax law, SEBI regulations, or market data.

OneMint may contain links to external websites, including financial product comparison platforms (e.g., Policybazaar, Bankbazaar), e-commerce sites (Amazon affiliate links), and fintech platforms. OneMint is not responsible for the content, accuracy, or privacy practices of any third-party site. Clicking on affiliate links may result in OneMint earning a commission, at no additional cost to you. All affiliate relationships will be disclosed where applicable.

8. Limitation of Liability

To the maximum extent permitted under applicable Indian law, OneMint, its founders, employees, and contributors will not be liable for:

  • Any financial losses resulting from decisions made based on content on this site.
  • Interruptions to the availability of the website.
  • Errors, inaccuracies, or omissions in any content.
  • Any indirect, incidental, or consequential damages arising from your use of OneMint.

Your sole remedy for dissatisfaction with the site or its content is to stop using the website.

9. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of India. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts located in India.

10. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes take effect immediately upon posting to this page. We will update the “Effective” date above. Continued use of OneMint after changes constitutes your acceptance of the revised terms.

11. Contact

For legal inquiries or permissions requests, contact us at: legal@onemint.com