Terms of use

Bills & Brains is a free site of educational articles. By using it you accept the terms below. If you do not, the remedy is simple: do not use the site.

What this site is not

Everything here is general and educational. It is not personalised financial, investment, tax or legal advice, and Bills & Brains is not registered with SEBI as an investment adviser or a research analyst. Using this site creates no advisory, fiduciary or client relationship. The disclaimer sets this out in full and is part of these terms.

Using the content

The articles, the analysis and the design are the work of this site and are protected by copyright.

You may read the site, print pages for your own use, and quote a short passage elsewhere so long as you attribute it to Bills & Brains and link to the page you took it from. That is freely given and no permission is needed.

You may not republish articles in full, present this work as your own, use it to train a model, or scrape the site at a rate that interferes with other people reading it. If you want to do something not covered here, ask — the answer is often yes.

No warranty

The site is provided as it is and as it is available. Real effort goes into accuracy, and the method behind it is published rather than merely claimed, but no promise is made that the site is free of error, complete, current, uninterrupted, or fit for any particular purpose you have in mind.

Nothing here is a promise about the future. Figures are historical or illustrative, markets do not repeat, and the limits of each dataset are stated on the pages that use it.

Liability

To the fullest extent the law permits, Bills & Brains is not liable for any loss or damage — including lost profits, lost savings or any indirect or consequential loss — arising from your use of this site or from reliance on anything published on it. Decisions about your own money are yours, and should be taken with a qualified professional who can see your circumstances.

Other sites

This site links to others, including calculators on a sister site and documents published by regulators, exchanges and issuers. Those are not under our control. A link is not an endorsement, and we are not responsible for what is on the other end of it or for what happens to you there.

Advertising

The site is funded by advertising served by a third party. Adverts are not endorsements, no advertiser has any influence over what is published, and any dealing you have with an advertiser is between you and them. See editorial standards.

Changes

These terms may change. The date at the top of the page changes when they do, and using the site after that means accepting the version then published. Articles are also revised and corrected over time; see the corrections policy.

Governing law

These terms are governed by the laws of India, and the courts of India have jurisdiction over any dispute arising from them or from use of this site.

Getting in touch

Anything about these terms, or about something on the site, goes through the contact form.