Updated: 30 July 2026

These Terms of Service apply to your access to and use of the Finance Circuit website and its published material. Finance Circuit is operated by Mahesh Sirvi from Pune, Maharashtra, India. By using the website, you agree to these Terms. If you do not agree, do not use the website.

1. Information, not professional advice

Finance Circuit provides general editorial and educational information. It does not provide personalised financial, investment, accounting, tax or legal advice, and use of the website does not create an adviser, fiduciary, accountant, lawyer or client relationship. Decisions should be based on your own circumstances, controls and evidence, with advice from a suitably qualified professional where appropriate. Read the Financial Disclaimer.

2. Permitted use

You may access, read, link to and make reasonable personal or internal business use of the website. You must not:

  • use the website unlawfully, fraudulently or to harm another person;
  • interfere with security, availability, access controls or normal operation;
  • introduce malicious code, attempt unauthorised access or misrepresent your identity;
  • use automated means in a way that imposes an unreasonable load or circumvents controls;
  • republish a substantial part of the website, remove attribution or present Finance Circuit material as your own; or
  • use the content to make a misleading endorsement or false statement about Finance Circuit.

3. Intellectual property

Unless a page states otherwise, Finance Circuit’s text, design, graphics, branding and original compilations are protected by applicable intellectual-property law. Third-party names, marks, quotations and material remain the property of their respective owners. Short quotations with clear attribution and a link are generally welcome; broader reproduction, commercial licensing or syndication requires written permission.

4. Accuracy and availability

Finance Circuit aims to publish accurate, useful material, but information can become incomplete or outdated and may contain errors. The website and its content are provided on an “as available” basis. Access, features or material may be changed, suspended or removed where reasonably necessary. No uninterrupted availability, specific result or fitness for a particular purpose is promised.

Links, quotations and references are provided for context and verification. Finance Circuit does not control third-party websites, their availability, security, accuracy or privacy practices. A reference does not by itself amount to endorsement.

6. Service enquiries

The website does not provide public accounts, on-site checkout or payment processing. A discussion about research or commercial services is non-binding until the parties enter a separate written agreement covering scope, fees and other applicable terms. Nothing on the website is an offer that must be accepted.

7. Disclaimers and liability

To the fullest extent permitted by applicable law, Finance Circuit and its operator disclaim implied warranties relating to the website and are not liable for indirect, incidental, special or consequential loss arising from use of, or reliance on, the website. Where liability cannot lawfully be excluded, it is limited only to the extent the law permits. Nothing in these Terms excludes liability that cannot legally be excluded or limited.

8. Governing law and contact

These Terms are governed by the laws of India, without regard to conflict-of-law rules. Subject to any mandatory right or forum that applies, the courts in Pune, Maharashtra, India have exclusive jurisdiction over disputes relating to the website or these Terms.

Questions about these Terms can be sent to hello@thefinancecircuit.com. Finance Circuit may revise these Terms when the website, services or law changes. The updated date at the top shows the version that applies.