AavakJavak is a software productivity application and educational resource engineered by Spedaris Technologies LLP. We are NOT a SEBI-registered investment advisor (RIA), broker-dealer, chartered accountant, or legal counsel. No output from this software should be construed as an individualized recommendation to buy, sell, or hold financial assets.
1. Nature of the Software & Calculators
The financial calculators (including EMI, SIP, 50/30/20 Budget, Savings Target, and Debt Payoff calculators) provided on this website and within the mobile app are mathematical estimation tools.
Calculations rely on standard compounding and amortization formulas based on user-provided inputs. Actual loan interest calculations by banks or mutual fund NAV fluctuations may differ based on compounding frequencies, processing charges, tax withholdings, and market volatility.
2. AI Copilot ("Ask Aavak") Limitations
The on-device conversational AI assistant processes spending statistics and cashflow velocity to offer informational summaries. The AI does not predict stock movements, guarantee debt reduction timeframes, or replace customized consultation with certified financial planners.
3. Taxation & GST Estimations
Our GST tracking and Old vs New tax regime comparisons reflect prevailing Indian Income Tax and Central Goods and Services Tax statutes as of the date of publication. Tax slabs and allowable deductions are subject to legislative amendment. Users should verify tax filings with qualified Chartered Accountants.
4. Limitation of Liability
Neither Spedaris Technologies LLP nor its partners, engineers, or contributors shall be held liable for monetary losses, missed payment penalties, tax discrepancies, or adverse financial outcomes arising from reliance on calculations or informational guides provided on this service.