Financial Disclaimer

1. Informational & Bookkeeping Nature Only

The Kestro mobile application, website (getkestro.in), calculations, charts, monthly report cards, and related materials are provided strictly for informational, organizational, and personal bookkeeping purposes.

2. Not a SEBI-Registered Financial Advisor

Craftylane Studios and Kestro are NOT registered as Investment Advisers, Portfolio Managers, Research Analysts, or Stock Brokers with the Securities and Exchange Board of India (SEBI) or any other regulatory body.

Nothing contained within Kestro constitutes investment advice, tax planning, financial forecasting, legal counsel, or a recommendation to buy, sell, or hold any financial instrument, asset, or insurance product.

3. No Deposit Taking or Banking Functions

Kestro is not a bank, Non-Banking Financial Company (NBFC), payment system operator, or prepaid payment instrument (PPI) issuer under Reserve Bank of India (RBI) regulations. Kestro does not hold user funds, pay interest, or execute remittances.

4. User Responsibility for Data Accuracy

All calculations, settle-up suggestions, and monthly summaries generated by Kestro rely entirely upon the numbers, timestamps, and categories input manually by you and your family members. Craftylane Studios does not audit, verify, or warrant the factual accuracy of any user-entered expense.

5. Independent Professional Advice

For tax returns, official business accounting, estate planning, or comprehensive investment advice, users should always consult a licensed Chartered Accountant (CA), certified financial planner, or legal professional.