Last updated: 17 July 2026
These Terms of Service ("Terms") govern your use of everyrupeespent.com and all services offered on it, including our free financial calculators, the AI Advisor feature, the Reminders application, and the SEO Optimization Service (together, the "Services"), operated by Every Rupee Spent ("we", "us", "our").
By using the Services, creating an account, or making a payment, you agree to these Terms. If you don't agree, please don't use the Services.
The Services fall into three categories, each with different terms that apply to it:
Our calculators are provided for general informational and educational purposes only. They rely on the inputs you provide and standard formulas, and are not a substitute for professional financial, tax, investment or legal advice.
Where a calculator offers an "AI Advisor" feature, the observations shown are generated by an AI model based on your inputs, in real time, without human review before being shown to you. Treat AI Advisor output as a starting point for your own research, not as personalized advice. You should independently verify any figures before making a financial decision, and consult a qualified professional (a chartered accountant, financial advisor or tax consultant) where the decision is significant.
We do not guarantee the accuracy, completeness or applicability of any calculator result or AI Advisor output to your specific situation.
The SEO Optimization Service is an audit-and-recommend engagement. We crawl the public pages of the website URL you submit, analyze it against standard SEO and Core Web Vitals criteria, and deliver a prioritized, plain-language report.
The crawl and initial analysis are AI-assisted and automated; every report is reviewed by a person for accuracy before it is delivered to you.
This is audit-only. We do not access your hosting, source code or admin credentials, and we do not make any changes to your website at any point.
Recommendations reflect general SEO best practice at the time of the audit. Search engine ranking and traffic outcomes depend on many factors outside the audit — your industry, competitors, algorithm changes, and how (and whether) recommendations are implemented — so we do not and cannot guarantee any specific ranking, traffic or revenue outcome.
Whether and how you, or your developer, implement any recommendation is entirely your decision. We are not responsible for the outcome of changes made to your website based on our report, including any errors introduced during implementation, temporary ranking fluctuations, or unintended side effects.
Reports are typically delivered within 24–48 hours of a complete and valid submission. This is a target turnaround, not a guaranteed deadline, and may vary based on submission volume or the complexity of the site.
We use AI tools as part of certain features, and want to be upfront about where and how:
Some features (Reminders, SEO audit history, billing) require an account. You are responsible for keeping your login credentials confidential and for all activity under your account. Let us know immediately if you suspect unauthorized access.
Paid Services are billed in Indian Rupees (₹) for customers in India, or US Dollars ($) for customers elsewhere, and processed securely through Razorpay. We do not store your card or payment credentials — they are handled entirely by Razorpay.
The SEO Optimization Service is a one-time payment per audit — there is no subscription or auto-renewal. Reminders premium plans are annual subscriptions that renew automatically unless cancelled before the renewal date; you can cancel anytime from your account's Billing page, effective at the end of the current billing period.
SEO Optimization Service: because the audit begins as soon as payment is confirmed, payments are non-refundable once the audit has started. If a technical issue on our end prevents us from delivering a report at all, we will issue a full refund.
Reminders premium subscriptions: you can cancel auto-renewal at any time; cancellation stops future renewals but does not refund the current billing period already paid for.
If you believe you've been charged in error, contact us at the email in Section 15 and we'll look into it.
The Services, including their design, code, calculators and content, are owned by Every Rupee Spent and protected by applicable intellectual property laws. Your SEO audit report is yours to use for your own business once delivered. You may not resell, redistribute or scrape the Services or represent them as your own.
The Services are provided "as is" and "as available", without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or produce any particular result.
To the maximum extent permitted by law, Every Rupee Spent will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, revenue, data or business opportunity, arising from your use of the Services — including calculator results, AI Advisor output, the SEO Optimization Service, or changes you make to your website based on our recommendations.
Where liability cannot be excluded by law, our total liability for any claim arising out of these Terms is limited to the amount you paid us for the specific Service giving rise to the claim in the 3 months before the claim.
You agree to indemnify and hold Every Rupee Spent harmless from any claims, losses or expenses (including reasonable legal fees) arising from your use of the Services, your violation of these Terms, or content you submit to us (such as the website URL or business details you provide for an SEO audit).
For the SEO Optimization Service, we only crawl the public pages of the URL you submit — we never ask for or store login credentials, source code or hosting access. Account and reminder data you provide to the Reminders app is used solely to operate that service. We do not sell your personal data.
A full Privacy Policy covering data retention and third-party processors in more detail will be published separately; contact us if you have questions in the meantime.
We may suspend or terminate your access to the Services if you violate these Terms, misuse the Services, or engage in fraudulent or abusive activity. You may stop using the Services, or delete your account, at any time.
We may update these Terms from time to time as the Services evolve. We'll update the "Last updated" date above when we do. Continuing to use the Services after a change means you accept the updated Terms.
These Terms are governed by the laws of India. Any disputes arising from these Terms or the Services will be subject to the exclusive jurisdiction of the competent courts in India.
Questions about these Terms, a specific Service, billing, or a request for correction — write to us at [email protected] and we'll get back to you within a reasonable time, generally within 15 business days.
See also our SEO Optimization Service page for service-specific details, or return home.