Lineage does not provide investment, tax, legal, or financial advice. Everything the Platform shows you — tax estimates, deduction headroom, regime comparisons, will drafts, capital-gains previews, harvesting suggestions, goal projections — is informational and produced from the data you enter or import. None of it is a recommendation for you specifically.
What we are not
- Lineage is not a SEBI-registered Investment Adviser (RIA), Research Analyst, or Portfolio Manager.
- Lineage is not an RBI-regulated entity — not a bank, NBFC, Account Aggregator, Payment Aggregator, or Payment System Operator.
- Lineage is not an IRDAI-licensed insurance broker, agent, or web-aggregator.
- Lineage is not an AMFI-registered Mutual Fund Distributor (MFD) — we do not earn commission from the products we display.
- Lineage is not a PFRDA-registered NPS intermediary.
- Lineage is not an income-tax e-Return Intermediary (ERI) — we do not file ITRs on your behalf.
- Lineage is not a registered Reporting Entity under the Prevention of Money-Laundering Act, 2002.
What we are
We are a Data Fiduciary under the Digital Personal Data Protection Act, 2023, and an Intermediary under Section 2(1)(w) of the Information Technology Act, 2000. Our role is to host, organise, encrypt, and present the financial and family information you choose to give us, and to introduce you to professionals on our marketplace if you want one.
Tax computations are estimates
Tax estimates rely on the slabs, deduction limits, and rules we encode in our rules engine for each financial year. They assume the data you enter is correct, do not capture every edge case in the Income-tax Act, 1961, and may not reflect the latest amendment, notification, or judicial decision. Always verify with an auditor before filing, claiming a deduction, harvesting a loss, or making any other decision with tax consequences.
Will and estate-plan drafts are templates
Will templates, succession-planning notes, and beneficiary-allocation tools on the Platform are not a substitute for advice from a qualified attorney. Validity, registration, stamp duty, and the application of personal laws (Hindu Succession Act, 1956; Indian Succession Act, 1925; Muslim Personal Law; etc.) depend on facts about you and your estate that the Platform cannot fully model. Have any will or estate document reviewed by an attorney before signing.
Marketplace advisors
The Platform may introduce you to auditors, SEBI-registered investment advisers, IRDAI-licensed brokers, attorneys, and other professionals. We verify the basic credentials they show us, but we do not supervise their practice and the advice they give. Any engagement is a contract directly between you and the Advisor. Use of the marketplace does not transfer any regulatory responsibility to Lineage.
Market data and projections
Market data, expected returns, inflation assumptions, and goal projections shown on the Platform use industry-standard heuristics and are not guaranteed. Past performance is not indicative of future results.
Your decisions are your own
You are solely responsible for your financial, tax, investment, and estate decisions. To the maximum extent permitted by law, Lineage is not liable for any loss, damage, penalty, or missed opportunity arising from decisions you make based on information shown by the Platform.
See Terms of Use for the full liability framework and Privacy Notice for how we handle your data.