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Read this before you act on anything
What this site is, what it is not, and why you should treat every article and calculator as a starting point — not the final word.
01. General disclaimer
The information on Deepak Surya — across every article, book summary, and free calculator — is provided for general informational purposes only. It reflects personal research, opinion, and experience, not professional advice tailored to your specific situation. I make a genuine effort to keep everything accurate and current, but I do not make any warranties about the completeness, reliability, or accuracy of anything published here.
02. Not professional advice
Deepak Surya covers topics like personal finance, health, fitness, career, and relationships — areas where a single piece of general advice rarely fits everyone situation. Nothing on this site is a substitute for advice from a qualified financial advisor, doctor, therapist, lawyer, or other licensed professional.
Any action you take based on something you read here is strictly at your own risk. Before making a significant financial, health, or legal decision, please consult someone qualified to advise on your specific circumstances.
03. Calculator & tool accuracy
The free tools on this site — including the Budget Calculator, Compound Interest Calculator, Macro Calculator, Debt Payoff Calculator, and similar utilities — are built to give reasonable, general-purpose estimates using standard formulas. They are not a replacement for professional financial planning, medical guidance, or payroll/legal calculations, and results can vary from real-world outcomes depending on factors the calculator does not account for.
Double-check anything important — especially numbers tied to taxes, payroll, loans, or health — with a professional or an official source before relying on it.
04. Affiliate & advertising disclaimer
This site runs ads through Google AdSense and occasionally includes affiliate links to books, products, or services mentioned in posts. If you click an affiliate link and make a purchase, I may earn a small commission at no extra cost to you. Advertising and affiliate income help keep the blog and the calculators free, but they never determine what I write about or how I write it.
05. External links disclaimer
Posts on this site sometimes link to external websites, tools, or resources for further reading. I do not control the content of those sites and cannot vouch for their accuracy, safety, or availability once you leave thesuryar.com. Linking to a site is not an endorsement of everything on it — use your own judgment before trusting or purchasing from a third-party site.
06. Personal opinion & experience
Book summaries, stories, and reflective posts on this site represent one person view — mine. They are not meant to replace reading the original source material, and where I summarize a book or an idea, I am simplifying it through my own lens. Treat these as a starting point for your own thinking, not the final word.
07. No guarantees
I put real effort into keeping this site accurate, useful, and up to date, but I cannot promise that every fact, figure, or piece of advice will remain correct indefinitely — things like tax rules, interest rates, and best practices change. The site and its content are provided “as is,” without warranties of any kind, express or implied.
08. Limitation of liability
To the extent permitted by law, I will not be held liable for any loss, damage, or inconvenience arising from your use of this site — including decisions made based on an article, a calculator result, or a linked resource. If something you read here has real financial, health, or legal weight, please verify it independently before acting on it.
09. Changes & contact
This Disclaimer may be updated from time to time as the site evolves. The current version is always the one posted on this page. Questions about anything above? Reach out through the Contact page — I read and respond to every message myself.