अस्वीकरण (Disclaimer)

Disclaimer — SanoLagani

Last Updated: April 2026

Important Notice: Educational and Informational Purpose Only

The information, tools, calculators, data, and content provided on SanoLagani (https://sanolagani.com) are strictly for educational, informational, and illustrative purposes only. Nothing on this website constitutes professional financial advice, investment advice, tax advice, legal advice, or accounting advice.

SanoLagani is not a registered financial institution, securities broker, investment advisor, tax consultant, Chartered Accountant firm, or legal practice under the laws of Nepal or any other jurisdiction. We do not provide personalized recommendations tailored to your individual financial situation, goals, risk tolerance, or circumstances.

Before making any financial decision — including but not limited to investing in stocks, mutual funds, fixed deposits, gold, insurance policies, loans, or tax planning strategies — you should consult with a qualified, licensed professional who can evaluate your specific needs and provide advice appropriate for your situation.

No Guarantee of Accuracy or Completeness

While we strive to provide accurate, up-to-date, and reliable information, we cannot guarantee that all data, calculations, or content on SanoLagani is:

• Complete: Some information may be summarized or simplified for educational purposes.
• Current: Financial markets, tax laws, interest rates, and regulations change frequently. Data on our platform may experience delays due to source feed limitations, technical issues, or update cycles.
• Error-Free: Despite rigorous verification processes, human or technical errors may occur. We encourage users to cross-verify critical information with official sources.

Our financial calculators (Tax Calculator, SIP Planner, EMI Calculator, NEPSE Calculator, Gold Goal Tool, etc.) provide estimates based on:

• Formulas and assumptions documented within each tool.
• Input values provided by you, the user.
• Regulatory parameters (tax slabs, SSF rates, inflation assumptions) as published by official Nepalese authorities at the time of development.

Actual results may vary due to:

• Changes in government policy, tax laws, or regulatory guidelines.
• Bank-specific terms, fees, or interest calculation methods.
• Market volatility, liquidity constraints, or execution prices.
• Individual circumstances not captured by simplified calculator models.

You acknowledge and agree that you use our tools and information at your own risk. SanoLagani shall not be liable for any discrepancies between calculator outputs and real-world outcomes.

No Liability for Financial Losses or Decisions

To the maximum extent permitted by applicable law in Nepal, SanoLagani, its founders, developers, contributors, affiliates, and partners expressly disclaim all liability for:

• Any financial loss, damage, or harm resulting from your use of our tools, data, or content.
• Investment decisions made based on information displayed on our platform, including NEPSE prices, IPO calendars, dividend histories, or market analysis.
• Tax filings, compliance actions, or penalties arising from reliance on our tax calculators or guidance.
• Loan applications, EMI commitments, or credit decisions based on our EMI or affordability calculators.
• Any indirect, incidental, consequential, special, or punitive damages, even if we have been advised of the possibility of such damages.

By using SanoLagani, you agree to indemnify and hold harmless our team from any claims, demands, or losses arising from your use of our services.

Third-Party Data Sources and External Links

SanoLagani aggregates financial data from multiple public and official sources, including but not limited to:

• Nepal Rastra Bank (NRB)
• Nepal Stock Exchange (NEPSE)
• Inland Revenue Department (IRD)
• Securities Board of Nepal (SEBON)
• Commercial banks and financial institutions
• Verified third-party platforms (ShareHub, Merolagani, NepaliPaisa)

We do not control, endorse, or guarantee the accuracy, timeliness, or completeness of data provided by these external sources. Data may be delayed, revised, or corrected by the original publisher without notice to us.

Our website may contain links to third-party websites, tools, or services for your convenience. We are not responsible for:

• The content, privacy policies, or practices of external sites.
• Any transactions, interactions, or agreements you enter into with third parties.
• The accuracy or reliability of information found on linked websites.

Visiting external links is at your own risk. We encourage you to review the terms and policies of any third-party service before providing personal information or making commitments.

Forward-Looking Statements and Market Risks

Content on SanoLagani may include forward-looking statements regarding market trends, economic projections, or investment expectations. These statements are based on current assumptions and are subject to significant uncertainties and risks.

Investing in financial markets — including NEPSE-listed securities, mutual funds, IPOs, gold, or foreign exchange — involves inherent risks, including:

• Loss of principal investment.
• Market volatility and price fluctuations.
• Regulatory changes affecting valuations or liquidity.
• Currency risk for USD, EUR, or other foreign-denominated assets.
• Inflation risk eroding real returns over time.

Past performance of any asset, index, or strategy is not indicative of future results. Diversification, risk assessment, and professional guidance are essential components of responsible financial planning.

Calculator Limitations and Assumptions

Each calculator on SanoLagani operates under specific assumptions. For example:

Tax Calculator:

• Assumes standard employment income and common deductions (SSF, insurance).
• Does not account for complex scenarios like business income, capital gains, foreign income, or specialized exemptions.
• Based on IRD tax slabs applicable at the time of development; may not reflect mid-year amendments.

EMI Calculator:

• Assumes fixed interest rates and standard amortization schedules.
• Does not include processing fees, prepayment penalties, or variable-rate adjustments common in Nepali bank loans.

SIP Planner:

• Projects future values using compound interest formulas and assumed annual returns.
• Actual mutual fund or stock returns may differ significantly due to market conditions.

Gold Goal Tool:

• Uses historical gold price trends and inflation assumptions.
• Future gold prices are unpredictable and influenced by global markets, currency fluctuations, and geopolitical events.

Please review the "Assumptions" or "Help" section within each tool before relying on its output.

User Responsibility and Due Diligence

You are solely responsible for:

• Verifying the accuracy of inputs you provide to our calculators.
• Interpreting results in the context of your personal financial situation.
• Conducting independent research and consulting licensed professionals before acting on any information from this website.
• Complying with all applicable laws, regulations, and reporting requirements in Nepal or your jurisdiction.

SanoLagani encourages financial literacy and informed decision-making, but we cannot replace the judgment of qualified experts or your own careful consideration.

Changes to This Disclaimer

We may update this Disclaimer periodically to reflect changes in our services, legal requirements, or risk disclosures. When we do, we will:

• Update the "Last Updated" date at the top of this page.
• Post a notice on our homepage for significant changes.

Your continued use of SanoLagani after any update constitutes acceptance of the revised terms.

Contact Us for Clarifications

If you have questions about this Disclaimer, our tools, or how to interpret information on our platform, please contact us:

Email: contact@sanolagani.com Subject Line: "Disclaimer Inquiry" Phone: +977-9769779421 Address: Kathmandu, Nepal

We are committed to providing clear, transparent communication about our services and limitations.

Final Acknowledgment

By accessing or using SanoLagani, you acknowledge that:

1. You have read, understood, and agreed to this Disclaimer.
2. You understand that our content is educational, not advisory.
3. You accept full responsibility for your financial decisions and outcomes.
4. You release SanoLagani and its team from liability related to your use of our platform.

Thank you for trusting SanoLagani as part of your financial journey. We are honored to support your learning and empowerment — with honesty, transparency, and respect for your autonomy.