Disclaimer

Financial Disclaimer

Last Updated: September 2026

Please read this disclaimer carefully before using todayglobalmarket.com ("Website"). This disclaimer applies to all content, tools, calculators, market data, blog posts, guides, and services provided on our Website.

1. General Educational Content

Today Global Market is a financial education platform that provides general knowledge about insurance, investments, mutual funds, tax planning, budgeting, retirement planning, and personal finance concepts.

Our content is designed solely to:

Improve financial literacy among the general public
Help people understand financial concepts and products
Provide educational tools and calculators for learning purposes
Share general market information and financial news

All content is created for a broad audience and does not account for your specific financial situation, goals, risk tolerance, or investment experience.

2. Not Financial Advice

Nothing on this Website constitutes professional financial advice.

The information provided on this Website does not constitute and should not be interpreted as:

Investment advice — we do not recommend buying, selling, or holding any specific stocks, mutual funds, bonds, or other securities
Financial planning advice — we do not create personalized financial plans or strategies for individuals
Insurance advice — we do not recommend specific insurance policies or coverage amounts for individuals
Tax advice — we do not provide personalized tax planning or filing guidance
Legal advice — we do not provide legal counsel on financial matters
Accounting advice — we do not offer bookkeeping or accounting services

You should never make financial decisions based solely on information found on this Website. Always consult a qualified professional before making important financial decisions.

3. No Advisory Relationship

Your use of this Website does not create any of the following relationships:

Financial advisor — client relationship
Insurance agent — policyholder relationship
Investment advisor — investor relationship
Accountant — client relationship
Attorney — client relationship

We are educators, not advisors. We share knowledge; we do not manage money, portfolios, or insurance policies on your behalf.

4. No Guarantees

We make no guarantees regarding:

Accuracy — while we strive for accuracy, financial information changes rapidly. Laws, tax rates, interest rates, and market conditions change frequently. Information may become outdated.
Completeness — our articles cover general concepts and may not address every scenario, exception, or edge case relevant to your situation
Timeliness — market data, gold rates, stock prices, and fund NAVs displayed on our Website may be delayed and are not real-time
Results — we never guarantee financial returns, profits, or outcomes. Statements like "guaranteed returns" or "this investment will definitely grow" are misleading and are never part of our content

Any projections, forecasts, or estimates shown on our Website (including calculator results) are hypothetical and for educational illustration only.

5. Investment Risk Warning

All investments carry risk, including the possible loss of your entire invested amount.

5.1 Mutual Funds

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance of any mutual fund scheme does not guarantee or indicate future performance. The NAV (Net Asset Value) of mutual fund units can go up or down based on market conditions, and investors may receive back less than they originally invested.

5.2 Stock Market

Stock market investments are inherently volatile. Share prices can fluctuate significantly in short periods. Historical returns do not predict future returns. Day trading and speculative investments carry particularly high risk of loss.

5.3 Insurance Products

Insurance products including life insurance, health insurance, ULIPs, and endowment plans are subject to terms and conditions of the respective insurance companies. Benefits, premiums, and coverage may vary. Tax benefits are subject to changes in tax laws. Insurance is a contract between you and the insurance company — not with us.

5.4 Fixed Income

Even seemingly "safe" investments like fixed deposits, PPF, and government bonds carry risks including inflation risk (returns may not keep pace with inflation), interest rate risk, and credit risk. The safety of your principal depends on the financial institution or government backing the instrument.

5.5 General Risk Statement

Before investing in any financial product, you should:

Understand the product completely, including all risks and charges
Read all offer documents, scheme information documents, and terms carefully
Consider your financial situation, goals, and risk appetite
Consult a SEBI-registered investment advisor or qualified financial planner
Never invest money you cannot afford to lose
Diversify your investments — never put all money in one product

6. Calculators & Tools Disclaimer

Our financial calculators (SIP calculator, EMI calculator, retirement planner, tax calculator, insurance calculator, etc.) are educational tools that provide estimated results based on:

Mathematical formulas and standard financial calculations
The inputs and assumptions you provide
Simplified models that may not reflect all real-world variables

Calculator results are approximations only. Actual results may differ significantly due to:

Market volatility and changing interest rates
Fees, charges, commissions, and exit loads
Tax implications (which vary by individual)
Inflation and purchasing power changes
Changes in government policies and regulations
Compounding frequency differences

Do not make investment decisions based solely on calculator outputs. Use them as a starting point for discussions with a qualified financial advisor.

7. Market Data Disclaimer

Stock market data, indices (Sensex, Nifty), gold rates, forex rates, mutual fund NAVs, and other financial data displayed on our Website is sourced from third-party data providers.

Data may be delayed by 15-20 minutes or more and is not real-time
We do not guarantee the accuracy, completeness, or reliability of third-party data
Market data is provided "as is" for informational and educational purposes only
Always verify current prices and data from official sources such as NSE (nseindia.com), BSE (bseindia.com), or AMFI (amfiindia.com) before making any decisions

8. FinanceGuide (Expense Manager) Disclaimer

Our FinanceGuide app is a personal finance tracking tool. Please note:

It is a self-tracking tool, not a financial planning service
Budget suggestions and insights are based on your entered data, not professional analysis
We do not access, analyze, or make recommendations based on your financial entries
The accuracy of reports and summaries depends entirely on the accuracy of data you enter
This tool does not replace professional bookkeeping, accounting, or financial planning services
We are not responsible for any financial decisions made based on data tracked in the app

9. Professional Consultation

We strongly recommend that you consult qualified professionals before making any significant financial decisions:

SEBI-registered Investment Advisor — for investment and portfolio decisions
Certified Financial Planner (CFP) — for comprehensive financial planning
Chartered Accountant (CA) — for tax planning and compliance
Licensed Insurance Agent/Broker — for insurance product selection
Legal Counsel — for estate planning and legal financial matters

What works for one person may not work for another. Financial decisions must be based on your individual circumstances including your age, income, family situation, risk tolerance, financial goals, existing investments, tax bracket, and time horizon.

10. Advertising & Affiliate Disclosure

10.1 Google AdSense

This Website displays advertisements through Google AdSense. These advertisements:

Are served by Google and its advertising partners
Are selected based on your browsing history and interests
Are not endorsed, recommended, or verified by Today Global Market
May promote financial products, services, or other offerings

We are not responsible for the accuracy, legality, or quality of any products or services advertised on our Website. Always conduct your own research before purchasing any advertised product.

10.2 Affiliate Links

Some links on our Website may be affiliate links. If you make a purchase through these links, we may earn a small commission at no additional cost to you. This commission helps us maintain the Website and continue providing free educational content.

Affiliate relationships do not influence our editorial content or recommendations, which are always based on educational merit and accuracy.

10.3 Sponsored Content

Any sponsored or paid content will be clearly marked as such. Sponsored content does not represent our independent editorial opinion.

11. Limitation of Liability

To the maximum extent permitted by applicable law:

Today Global Market, its owners, team members, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of our Website
This includes but is not limited to: financial losses, lost profits, lost opportunities, emotional distress, or any other damages resulting from reliance on our content, tools, calculators, or market data
Our total liability to you for any claim shall not exceed the amount you paid to us (which is zero, as our services are free)

You use this Website and make financial decisions at your own risk.

12. Regulatory Compliance

Today Global Market operates in compliance with applicable Indian laws including:

SEBI regulations — we do not provide investment advisory services requiring SEBI registration
IRDAI regulations — we do not sell insurance products directly; we provide educational information about insurance concepts
RBI guidelines — we do not offer banking services or accept deposits
Information Technology Act, 2000 — we comply with data protection and privacy requirements

If you believe any content on our Website violates any regulation, please contact us immediately at info@todayglobalmarket.com.

13. Author & Editorial Information

Content on this Website is created by the Today Global Market editorial team, which includes individuals with backgrounds in finance, insurance, and financial education. Our editorial process includes:

Research from reputable sources (SEBI, RBI, IRDAI, government publications)
Fact-checking and accuracy verification
Regular content updates to reflect changes in laws and regulations
Clear distinction between factual information and opinions

Despite our best efforts, errors may occur. If you find any inaccuracy, please report it to info@todayglobalmarket.com and we will correct it promptly.

For more about our team, visit our About page.

14. Changes to This Disclaimer

We may update this disclaimer from time to time. Changes will be reflected by updating the "Last Updated" date. Continued use of the Website after any changes constitutes acceptance of the revised disclaimer.

15. Contact Us

If you have questions about this disclaimer or concerns about any content on our Website:

Email: info@todayglobalmarket.com
Subject: "Disclaimer Inquiry"

You can also reach us through our contact page.

Related Policies

Privacy Policy — how we collect and protect your data
Terms & Conditions — rules for using our Website
Cookie Policy — how we use cookies