Welcome to XHP.life! Our journey began with a simple observation: for many hardworking Indians, the world of finance, investing, and taxes feels unnecessarily complex and intimidating. We saw friends and family struggle with confusing jargon, opaque calculations, and a lack of accessible tools to make informed decisions about their own money.

We asked ourselves: Why should financial planning be a privilege for the few? Why can't everyone have access to simple, accurate, and free resources to plan for their future? That's when the idea for XHP.life was born.

Our Mission

Our mission is to empower every Indian to take control of their financial destiny. We believe that with the right tools and knowledge, anyone can achieve their financial goals, whether it's buying a home, planning for retirement, or simply saving more effectively. We are here to demystify the numbers and provide clarity in a world of complexity.

What Does XHP Stand For?

XHP represents our core belief in your potential: to eXcel and achieve a High-Potential life. We are dedicated to providing the tools that help you unlock that potential.

Our Promise to You

• Accuracy & Simplicity: Our calculators are designed to be powerful yet easy to use. We focus on providing accurate estimations based on the latest regulations and financial principles.
• Privacy First: Your privacy is paramount. We do not collect, store, or share any personal financial data you enter into our calculators. Your calculations are your own.
• Always Free: We are committed to keeping XHP.life a free resource for everyone. Financial literacy should not come at a cost.
• Continuous Improvement: We are constantly working to improve our tools, add new calculators, and expand our Knowledge Center to serve you better.

Thank you for trusting XHP.life. We're excited to be a part of your financial journey!

We value your feedback and suggestions! Whether you have a question, a feature request, or just want to say hello, we'd love to hear from you. Please use the form below or reach out to us directly.

Last Updated: September 2025

XHP.life ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we handle information on our website https://xhp.life/ (the "Site").

1. Information We Do NOT Collect

Our core principle is privacy by design. We do not collect, store, share, or sell any personal or financial information that you enter into our calculators. This includes, but is not limited to:

• Your name, email address, or contact details.
• Financial data such as income, investment amounts, loan details, etc.
• Any data that could personally identify you.

All calculations are performed within your browser, and the data you enter is erased when you close the page or reset the calculator.

2. Information We Collect

We collect a minimal amount of non-personal information to improve our website and user experience:

• Browser Local Storage: We use your browser's local storage to remember two things for your convenience:
  • Your theme preference (light or dark mode).
  • The last values you entered into a calculator, so you can continue where you left off.
  This data is stored only on your computer and is not transmitted to us.
• Analytics Data: We use Google Analytics to collect anonymous usage data, such as which calculators are most popular, how much time users spend on the site, and general geographic location (e.g., country). This helps us understand what our users find valuable so we can improve the site. This data is aggregated and cannot be used to identify individual users.

3. Third-Party Services

We use reputable third-party services to provide functionality for our site:

• Google Fonts: To display the custom fonts used on the website.
• Cloudflare CDN: To deliver website assets (like scripts and stylesheets) quickly and efficiently.

These services may collect their own anonymous data as per their respective privacy policies.

4. Cookies

We do not use tracking cookies for advertising purposes. Google Analytics may set a cookie to distinguish between users, but this does not contain any personal information.

5. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.

The information and financial calculators provided on XHP.life are intended for informational and educational purposes only. They are not to be construed as financial, investment, legal, or tax advice.

1. No Financial Advice

The content and tools on this website are provided as a self-help resource for your personal use. The results generated by the calculators are estimations based on the data you provide and certain assumptions. They are not a guarantee of future performance or a substitute for professional advice.

2. Accuracy of Information

While we strive to keep the information and calculation formulas on XHP.life accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information. Financial regulations, tax laws, and market conditions can change, which may affect the calculations.

3. User Responsibility

Your financial situation is unique. Any reliance you place on the information and tools provided on this website is strictly at your own risk. You are solely responsible for your financial decisions. We will not be liable for any loss or damage arising from the use of this website.

4. Consult a Professional

We strongly recommend that you consult with a qualified professional financial advisor, chartered accountant, or other certified financial planner before making any financial decisions. A professional can assess your individual situation and provide advice tailored to your specific needs and goals.

Welcome to XHP.life. By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement.

1. Use of the Website

This website and its content, including all calculators and articles, are provided for your personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from this website.

2. Intellectual Property

The content, organization, graphics, design, and other matters related to the Site are protected under applicable copyrights and other proprietary laws. The copying, redistribution, use, or publication by you of any such matters or any part of the Site is strictly prohibited.

3. Disclaimer of Warranties

The service, content, and calculators are provided "as-is," "as available," and all warranties, express or implied, are disclaimed. The information herein may contain bugs, errors, problems, or other limitations. Our sole and entire maximum liability for any inaccurate information, for any reason, and user's sole and exclusive remedy for any cause whatsoever, shall be limited to the amount paid by the customer for the information received (if any).

4. Limitation of Liability

We are not liable for any indirect, special, incidental, or consequential damages (including damages for loss of business, loss of profits, litigation, or the like), whether based on breach of contract, breach of warranty, tort (including negligence), product liability or otherwise, even if advised of the possibility of such damage.

5. Governing Law

This agreement shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.