Terms, without the legalese maze.

Education, not advice

Splexo is an education and coaching product. It is NOT a SEBI-registered investment adviser. Splex shares category-level guidance (e.g., “liquid funds for short-horizon goals”) and statute-grounded tax math, but never names specific products or guarantees outcomes. For product picks, consult a SEBI RIA.

Account use

You agree to provide accurate information about your income, expenses, and goals. Splexo’s coaching quality depends on it. You agree not to use Splexo for unlawful purposes or to misrepresent your identity at signup.

Pricing

Splexo V1 is free for both salaried and student personas. I’ll add a paid Splexo Pro tier at V1.1 (~6 weeks post-launch) with higher session quotas and additional goal slots. Pricing is locked at announcement; existing users are grandfathered for 90 days on changes.

Data & deletion

You own your data. Export from Profile → Settings → Export. Delete from Profile → Settings → Delete. Deletion is full and irreversible — I don’t shadow-keep your goals or chat history.

Service availability

I do my best to keep Splexo up 24/7, but it’s an early-stage product hosted on infrastructure that occasionally hiccups. I don’t guarantee uninterrupted access. If outages affect a tax-deadline window, I’ll communicate before they bite.

Liability

Splexo is provided “as is.” To the maximum extent permitted by law, I’m not liable for indirect losses (missed deadlines, opportunity cost, investment outcomes). If you act on Splex’s coaching, the decision and consequence are yours.

Changes

I’ll update these terms as Splexo evolves. Material changes get a heads-up email or in-app banner at least 7 days before they take effect.