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Financial Disclaimer
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Arvo gives you information and tools to understand your money. It does not give financial advice.
Contents
1. Educational and informational only
Arvo, its AI features and this website provide information and tools to help you understand your own finances. Nothing here is financial, investment, tax, accounting or legal advice, or a recommendation to buy, sell or hold any security, loan, insurance or other financial product.
2. Examples and calculators are illustrative
Worked examples, such as EMI and prepayment calculations, debt payoff orders, SIP projections, budgets and affordability checks, use hypothetical figures and the assumptions stated next to them. They simplify reality: they may ignore taxes, fees, charges, inflation, changes in interest rates, lender-specific prepayment rules and your personal circumstances.
Your actual results will differ. Use the examples to understand the mechanics, not as a forecast.
3. Returns are not guaranteed
Past performance does not indicate future results. Assumed rates of return, such as 10% or 12% a year, are used only for illustration. Market-linked investments, including mutual funds and stocks, can lose value, and returns can be lower than assumed or negative. Read all scheme-related documents carefully before investing.
4. Consult a qualified professional
Before making investment, borrowing, tax or insurance decisions, consult a SEBI-registered investment adviser, a chartered accountant, or another qualified and appropriately licensed professional who can consider your full situation.
5. No guarantee of accuracy
Arvo parses statements that banks and card issuers format in many different ways. Imported or parsed data may be incomplete or wrong, for example because of layout changes, OCR errors in PDFs, duplicates that were not detected or categories that were misassigned. Analytics are only as accurate as the data behind them, and AI explanations can be mistaken. Always check important figures against your original statements.
6. You are responsible for your decisions
You decide what to do with the information Arvo shows you. Suggestions from the planned advisor are only saved when you approve them, and Arvo never moves money on your behalf. Arvo and its operators are not liable for losses arising from decisions you make using the software.
Questions? Email vineet.likhitkar@gmail.com. See also the Terms of Use and the Privacy Policy.