Terms and Conditions

📘 Terms of Use

Effective Date: 29/05/2025

Welcome to TheSipSage.com, a personal educational platform owned and operated by Anindya Ray, AMFI-registered Mutual Fund Distributor and IRDAI-licensed Life Insurance Agent.

By accessing or using this website, you agree to the following terms and conditions:

1. Educational Purpose Only

This website is intended solely for the purpose of investor education, awareness, and general financial literacy. It does not offer or facilitate any financial transaction or online service.

To avail offline services, users must contact Anindya Ray directly via WhatsApp or email.

2. No Advisory or Stock Tips

TheSipSage.com and its owner do not provide:

  • Fee-based advisory services,
  • Investment advice under SEBI regulations, or
  • Stock tips, portfolio management, or trading signals.

All content is informational and should not be considered a substitute for professional advice.

3. Use of Calculators & Tools

Any SIP, retirement, or FD calculators provided on this site are for illustrative and educational purposes only. They do not constitute a recommendation, projection, or guarantee of returns.

4. Comments and Interactions

Users may post comments under blog articles. These interactions are managed by Blogger’s commenting system. Users are responsible for their own comments and must avoid sharing sensitive, offensive, or misleading content.

5. No Personal Data Storage

TheSipSage.com does not collect or store personal data. However, Blogger and associated Google services may collect cookies or analytics data as per their respective privacy policies.

6. Intellectual Property

All content on this site — including articles, images, charts, and calculators — is the intellectual property of Anindya Ray unless otherwise stated. Do not reproduce or reuse content without prior written permission.

7. External Links & Monetization

This website may contain links to third-party websites or tools. TheSipSage.com is not responsible for the content, privacy practices, or reliability of external resources.

This blog may display third-party advertisements (such as Google AdSense) or affiliate links. These help support the blog at no additional cost to you. We do not endorse or control the behavior or policies of external advertisers or partners.

8. Changes to Terms

These terms may be updated at any time without prior notice. Users are encouraged to review this page periodically to stay informed of any changes.

9. Limitation of Liability

Use of this website and its content is entirely at your own discretion and risk. TheSipSage.com and its owner are not liable for any direct, indirect, or incidental loss arising from the use of the information provided on this blog.

About the Author

Anindya Ray is an AMFI-registered Mutual Fund Distributor and an IRDAI-licensed Insurance Agent. With hands-on experience in helping people make informed financial decisions and spreading personal finance awareness, he is deeply committed to guiding Indian families through their financial journey with clarity, confidence, and purpose.

Driven by the belief that financial literacy is the foundation of financial freedom, Anindya works at the grassroots level to simplify complex topics like investing, insurance, and money habits for everyday individuals across all walks of life.

The SIP Sage is his personal initiative—a non-commercial financial awareness blog—dedicated to breaking down money matters into easy, relatable insights for the Indian middle class.

Note: No online services or products are offered or solicited through this platform. For offline, personalized financial guidance, Anindya may be contacted directly via WhatsApp or email.