Terms of use
By using Financialdiary you agree to these terms. They are short, and written to be read.
Last updated 8 Nov 2026
Using the site
Financialdiary is run by [Operator's legal name]. You may use the guides, calculators and templates for your own personal, non-commercial purposes. Please don't copy or republish our articles without permission; a short quote with a link back is fine.
Templates
The Excel templates are free to download, use and change for yourself or your household. Please don't sell them or pass them off as your own.
No advice and no guarantee
The site provides general education, not personalised advice; see the disclaimer. We provide it as it is and can't guarantee that every page is complete, current or free of errors. To the extent the law allows, we aren't liable for losses that come from relying on the site instead of checking with the official source or a qualified professional.
Newsletter
If you subscribe, we'll send you the Financialdiary letter until you ask us to stop. How we handle your email is explained in the privacy policy.
Changes and governing law
We may update these terms; the date at the top shows the latest version. These terms are governed by the laws of India, and the courts of [City for jurisdiction] have jurisdiction.