Financial Disclaimer

1. General Information Only

Oquilia provides financial information, educational content, and analytical tools to help Indian consumers make more informed financial decisions. We are not a SEBI-registered investment advisor (RIA), an IRDAI-licensed insurance broker or agent, a registered financial planner, a licensed tax consultant, or a legal advisor. The Platform is designed to educate and inform, not to replace the guidance of licensed professionals.

2. Calculator Results Are Estimates

Our 150+ financial calculators use standard financial formulas and publicly available data to generate results. These results are estimates and approximations. They should not be treated as precise predictions or guarantees. Actual outcomes may vary significantly due to:

• Market fluctuations, interest rate changes, and economic conditions
• Fees, charges, and commissions not fully captured in the calculator
• Tax law amendments, surcharges, and cess changes subsequent to the calculator's last update
• Individual financial circumstances that differ from the assumptions used
• Rounding, approximations, and simplifications inherent in any financial model

3. Insurance Analysis & Scores

Oquilia's insurance scores, company profiles, claims analysis, and plan comparisons are editorial assessments based on publicly available data, including:

• IRDAI annual reports and published claims settlement data
• Policy brochures, prospectuses, and terms and conditions available on insurer websites
• Publicly disclosed financial data from insurer annual reports filed with the Registrar of Companies (MCA)

These scores and analyses are our editorial opinions. They are not endorsed by IRDAI or any insurer. A high or low score does not guarantee the future performance, solvency, or claims settlement behavior of any insurance company. Always read the policy wording carefully and consult a licensed insurance advisor before purchasing any insurance product.

4. Technology-Assisted Analysis

Portions of the Platform utilize artificial intelligence (large language models) to generate content, analyze policy wordings, answer user queries, and provide educational explanations. technology-assisted content may contain errors, hallucinations, or outdated information. Always verify critical financial information from official sources such as SEBI, IRDAI, RBI, or the Income Tax Department before acting on it.

5. No Endorsement or Recommendation

Mention of any financial product, insurance plan, mutual fund scheme, bank, NBFC, or investment instrument on Oquilia does not constitute an endorsement or recommendation. We do not sell financial products. When we earn affiliate commissions, we clearly disclose this on every relevant page. Our editorial content and scores are produced independently of any commercial relationships.

6. Consult Licensed Professionals

For any financial decision, we strongly recommend consulting:

• A SEBI-registered investment advisor for investment and mutual fund decisions
• An IRDAI-licensed insurance advisor for insurance purchase decisions
• A chartered accountant (CA) for tax planning and compliance
• A certified financial planner (CFP) for comprehensive financial planning
• A qualified lawyer for legal matters related to financial contracts, estate planning, or disputes

7. No Liability

Oquilia, its founders, employees, contributors, and affiliates shall not be liable for any loss, damage, or adverse consequence arising from or in connection with the use of, or reliance on, any information, tool, calculator output, score, or technology-assisted analysis available on the Platform. You use the Platform entirely at your own risk.

8. Data Sources

Financial data and regulatory information displayed on Oquilia is sourced from publicly available databases and reports published by IRDAI, SEBI, RBI, Income Tax Department of India, Ministry of Corporate Affairs (MCA), National Stock Exchange (NSE), Bombay Stock Exchange (BSE), and Association of Mutual Funds in India (AMFI). While we make every effort to ensure accuracy, we cannot guarantee that all data is current, complete, or error-free.

9. Contact

If you have questions about this disclaimer, please contact us at legal@oquilia.com.