Disclosures

Registration status

RitualMoney is not registered with:

• SEBI (Securities and Exchange Board of India)
• RBI (Reserve Bank of India)
• IRDAI (Insurance Regulatory and Development Authority of India)
• PFRDA (Pension Fund Regulatory and Development Authority)

We are an educational platform. We do not solicit, sell, broker, distribute, or recommend any specific financial product. We do not earn commission, kickback, referral fees, or compensation tied to any product you choose.

What we actually do

1. Math on your own numbers. You enter income, expenses, savings, EMIs. We calculate runway days, freedom projections, EMI math, and planners. The numbers are yours; we compute.
2. Educational frameworks. Sutras, audits, and coaches teach concepts — not "buy X".
3. Behavioural tools. Daily brick, weekly ritual, money journal, constitution. Habit tools — no transactions.
4. Personal tracking. Bills, loans, goals, wealth holdings. You enter; we display.
5. Optional capture helpers. Payment-alert parsing (Android, opt-in), SMS paste, receipt OCR — all on-device; you confirm before saving.

What we don't do

• Recommend specific mutual funds, stocks, insurers, banks, loans, or credit cards
• Provide personalised investment, tax, or legal advice
• Connect to your bank login or pull data from financial institutions
• Upload your financial data to our servers
• Run ads, take sponsorships, or sell user data

Capture features (plain language)

• Payment alerts (optional): If you enable notification access in Android settings, RitualMoney reads payment notification text on your phone to suggest expenses. You review and confirm. Never uploaded.
• SMS paste: You copy and paste text yourself. Parsed locally, not stored after save.
• Receipt / screenshot: Optional camera or gallery import. Processed on-device.

Who to ask for actual advice

• Investments: SEBI Registered Investment Adviser
• Insurance: IRDAI Registered Insurance Adviser
• Tax: Chartered Accountant (ICAI)

Limits of liability

Numbers in RitualMoney are illustrative calculations from your inputs and stated assumptions. They are not predictions, guarantees, or recommendations. You are responsible for verifying decisions with qualified professionals.

Contact

Small team building in Bengaluru. If any copy reads like product advice, tell us — we want to fix it.