Gold Rates in Chennai

Q: What is the present gold rate trend in Chennai?

Today’s gold rate in Chennai is *#22GoldRate*#.

Q: What is today's 22-karat gold rate in Chennai?

Today’s 22-karat gold rate in Chennai is *#22GoldRate*#.

Q: What is the price of 24-karat gold in Chennai?

Today’s 24-karat gold rate in Chennai is *#24GoldRate*#.

Q: What was the retail gold price in Chennai yesterday?

Yesterday’s 24-karat gold rate in Chennai is *#24GoldRate-1*#.

When it comes to buying gold, Chennai holds a special place as it offers a thriving market for this precious metal. The capital city of Chennai, Chennai has the highest gold rate among all Indian cities and towns. Whether you are planning to buy gold jewellery or looking for investment opportunities, understanding the current gold rate in Chennai is crucial.

Today’s Gold Rates in Chennai

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Chennai
Mumbai
Mon
Pathankot
Rishikesh
Tirap
Vadodara
Vaniyambadi
Kiphire
Longleng
Noklak
Phek
Phusro
Serchhip
Udalguri
Valsad
Vapi
Varanasi
Vasai Virar
Vellore
Vidisha
Vijayapura
Vijayawada
Visakhapatnam
Warangal
Wardha
Wayanad
West Bengal
West Siang
West Tripura
Wokha
Yamunanagar
Suryapet
Aizawl
Bokaro
Churachandpur
Dalhousie
Dehri
Dimapur
Haldwani
Surat
Tadipatri
Tamil Nadu
Tenali
Thane
Thiruvananthapuram
Thoothukudi
Thoubal
Thrissur
Tiruchirappalli
Tirunelveli
Tiruppur
Khargone
Kochi
Kurnool
Ladakh
Lakshadweep
Kasauli
Kashipur
Katihar
Khammam
Khandwa
Khanna
Karimganj
Karimnagar
Karnal
Karnataka
Karur
Kasaragod
Kalaburagi
Kamptee
Kampur
Kanchipuram
Kannur
Kanpur
Karaikudi
Jharkhand
Jodhpur
Jorhat
Junagadh
Kadapa
Kakinada
Jammu
Jamnagar
Jamshedpur
Jangipur
Jawalamukhi
Jehanabad
Jhansi
Jalandhar
Jalgaon
Jalna
Jalpaiguri
Jamalpur
Jammu And Kashmir
Indore
Itarsi
Jabalpur
Jagdalpur
Jagtial
Jaipur
Hubballi Dharwad
Hyderabad
Idukki
Imphal East
Imphal West
Indora
Haryana
Hazaribagh
Himachal Pradesh
Hinganghat
Hospet
Hajipur
Haldia
Hamirpur
Hanumangarh
Haridwar
Guna
Guntur
Gurugram
Guwahati
Gwalior
Gondia
Tiruvannamalai
Tripura
Tuensang
Udaipur
Udupi
Ujjain
Ulhasnagar
Una
Uttar Pradesh
Uttarakhand
Aurangabad
Palampur
Palakkad
Odisha
Shivpur
Siddipet
Sikar
Sikkim
Siwan
Silchar
Siliguri
Singrauli
Sitamarhi
Sivasagar
Solan
Solapur
Gir Somnath
Sonipat
South Tripura
Sri Ganganagar
Srinagar
Sunam
Ranchi
Ranebennur
Rewa
Robertsonpet
Sundarnagar
Ranipet
Ratlam
Rohru
Rohtak
Roorkee
Rourkela
Rudrapur
Sagar
Saharanpur
Saiha
Salem
Sangli
Sarkaghat
Satara
Satna
Sehore
Senapati
Seoni
Shantipur
Shimla
Shivamogga
Patna
Pollachi
Porbandar
Prayagraj
Puducherry
Pudukkottai
Pune
Punjab
Puri
Purnia
Purulia
Raichur
Raigarh
Raipur
Rajamahendravaram
Rajasthan
Rajkot
Rajnandgaon
Ramagundam
Ramgarh
Ranaghat
Nalgonda
Namchi
Nanded
Nandurbar
Narkanda
Narmadapuram
Nashik
Navi Mumbai
Navsari
Nawada
Neemuch
Nellore
Neyveli
Nizamabad
Noida
North Tripura
Pali
Panipat
Papum Pare
Patan
Pathanamthitta
Patiala
Medininagar
Meerut
Meghalaya
Mehsana
Gold Rate In Miraj
Miryalaguda
Mizoram
Moradabad
Morena
Motihari
Mohali
Muktsar
Munger
Murwara
Muzaffarpur
Mysuru
Nadiad
Nagaland
Nagapattinam
Nagda
Nagercoil
Nagpur
Naina Devi
Latur
Lawngtlai
Lohit
Lucknow
Ludhiana
Machilipatnam
Madhya Pradesh
Madurai
Mahabubnagar
Maharashtra
Mahasamund
Malappuram
Malda City
Malegaon
Malerkotla
Mamit
Manali
Mandsaur
Mandya
Mangalagiri
Mangaluru
Manipur
Mathura
Kerala
Kohima
Kolar
Kolasib
Kolhapur
Kolkata
Kollam
Korba
Kota
Kotkhai
Kottayam
Kozhikode
Krishnanagar
Kullu
Bhubaneswar
Bhuj
Bidar
Bikaner
Bilaspur
Burhanpur
Buxar
Cachar
Champhai
Chandel
Chandigarh
Chandrapur
Changlang
Chhapra
Chhatarpur
Amravati
Amritsar
Ajmer
Alappuzha
Aligarh
Alipurduar
Alwar
Adilabad
Agra
Ahmedabad
Ahmednagar
Srikakulam
Tirupati
Vizianagaram
Thanjavur
Achalpur
Guntakal
Hindupur
Madanapalle
Ongole
Proddatur
Adoni
Gorakhpur
Gandhidham
Gandhinagar
Gangavati
Gangtok
Gaya
Eluru
Ernakulam
Erode
Etawah
Faridabad
Firozabad
Dindigul
Dindori
Durg
Durgapur
Dhanbad
Dhar
Dharmavaram
Dharamshala
Dhubri
Dhule
Delhi
Dewas
Dhalai
Dhamtari
Danapur
Darjeeling
Datia
Dehradun
Baharampur
Balasore
Bankura
Bardhaman
Bareily
Baripada
Basti
Batala
Bathinda
Beawar
Begusarai
Belagavi
Berhampur
Betul
Bhagalpur
Bharatpur
Bharuch
Bhavnagar
Bhilai
Bhilwara
Bhimavaram
Bhind
Bhiwani
Bhopal
Bihar
Chirkunda
Chirmiri
Chittoor
Coimbatore
Cooch Behar
Cuddalore
Cuttack
Dadra Nagar Haveli Daman And Diu
Damoh
Deoghar
East Siang
Ghaziabad
Giridih
Goa
Gudivada
Gujarat

Updated on: 21st February, 2026

22-Carat Gold Rate
₹ 14204
(per Gram)

24-Carat Gold Rate
₹ 15506.6
(per Gram)

To get a general idea of the current gold rate in Chennai, refer to reliable financial sources for up-to-date information. This will provide an overview of the present gold rate in Chennai.

22-karat Gold Rate (Today and Yesterday) in Chennai

Comparing yesterday's and today's 22K gold rates is essential to stay updated with the fluctuating prices. You can find this information by checking current gold market trends.

Gram	22 Carat Gold Price Yesterday	22 Carat Gold Price Today	Price Change
1 Gram	₹14,204.00	₹14,204.00	₹0.00
8 Gram	₹1,13,632.00	₹1,13,632.00	₹0.00
10 Gram	₹1,42,040.00	₹1,42,040.00	₹0.00
100 Gram	₹14,20,400.00	₹14,20,400.00	₹0.00

24-karat Gold Rate (Today and Yesterday) in Chennai

If you are interested in purchasing 24K gold, comparing today's and yesterday's rates will give you valuable insights. To check these rates, continue reading for more information.

Gram	24 Carat Gold Price Yesterday	24 Carat Gold Price Today	Price Change
1 Gram	₹15,506.60	₹15,506.60	₹0.00
8 Gram	₹1,24,052.80	₹1,24,052.80	₹0.00
10 Gram	₹1,55,066.00	₹1,55,066.00	₹0.00
100 Gram	₹15,50,660.00	₹15,50,660.00	₹0.00

22-karat vs 24-karat Gold Rates in Chennai (Last 10 Days)

To track the price variations of 22K and 24K gold over the past 10 days, refer to historical gold price data. This will help you understand the trends and make informed decisions.

Date	22K Gold Price	24K Gold Price
20 Feb, 2026	( ) ₹14,204.00	( ) ₹15,506.60
19 Feb, 2026	( ) ₹14,173.70	( ) ₹15,473.50
18 Feb, 2026	( ) ₹13,885.10	( ) ₹15,158.40
17 Feb, 2026	( ) ₹13,910.80	( ) ₹15,186.50
16 Feb, 2026	( ) ₹14,115.40	( ) ₹15,409.80
15 Feb, 2026	( ) ₹14,115.40	( ) ₹15,409.80
14 Feb, 2026	( ) ₹14,115.40	( ) ₹15,409.80
13 Feb, 2026	( ) ₹13,993.30	( ) ₹15,276.50
12 Feb, 2026	( ) ₹14,257.50	( ) ₹15,565.00
11 Feb, 2026	( ) ₹14,410.70	( ) ₹15,732.20
10 Feb, 2026	( ) ₹14,313.00	( ) ₹15,625.50

Compare 22 and 24-karat Average Gold Rates in Chennai

Evaluate the following prices ranging from short-term to long-term to understand the price trends. Study the average gold rates for 22-karat and 24-karat gold across different periods in Chennai by consulting financial reports.

Term	22K Gold Price	24K Gold Price
10 Days	₹14,410.70	₹15,732.20
20 Days	₹13,620.60	₹14,869.70
30 Days	₹13,843.30	₹15,112.80
60 Days	₹12,483.50	₹13,628.30
90 Days	₹11,188.80	₹12,214.90

Gold Rate Calculator

Make use of a gold rate calculator to conveniently calculate the gold rates in Chennai. Simply input the required details, and the calculator will provide you with accurate rates instantly.

Chennai
Mumbai
Mon
Pathankot
Rishikesh
Tirap
Vadodara
Vaniyambadi
Kiphire
Longleng
Noklak
Phek
Phusro
Serchhip
Udalguri
Valsad
Vapi
Varanasi
Vasai Virar
Vellore
Vidisha
Vijayapura
Vijayawada
Visakhapatnam
Warangal
Wardha
Wayanad
West Bengal
West Siang
West Tripura
Wokha
Yamunanagar
Suryapet
Aizawl
Bokaro
Churachandpur
Dalhousie
Dehri
Dimapur
Haldwani
Surat
Tadipatri
Tamil Nadu
Tenali
Thane
Thiruvananthapuram
Thoothukudi
Thoubal
Thrissur
Tiruchirappalli
Tirunelveli
Tiruppur
Khargone
Kochi
Kurnool
Ladakh
Lakshadweep
Kasauli
Kashipur
Katihar
Khammam
Khandwa
Khanna
Karimganj
Karimnagar
Karnal
Karnataka
Karur
Kasaragod
Kalaburagi
Kamptee
Kampur
Kanchipuram
Kannur
Kanpur
Karaikudi
Jharkhand
Jodhpur
Jorhat
Junagadh
Kadapa
Kakinada
Jammu
Jamnagar
Jamshedpur
Jangipur
Jawalamukhi
Jehanabad
Jhansi
Jalandhar
Jalgaon
Jalna
Jalpaiguri
Jamalpur
Jammu And Kashmir
Indore
Itarsi
Jabalpur
Jagdalpur
Jagtial
Jaipur
Hubballi Dharwad
Hyderabad
Idukki
Imphal East
Imphal West
Indora
Haryana
Hazaribagh
Himachal Pradesh
Hinganghat
Hospet
Hajipur
Haldia
Hamirpur
Hanumangarh
Haridwar
Guna
Guntur
Gurugram
Guwahati
Gwalior
Gondia
Tiruvannamalai
Tripura
Tuensang
Udaipur
Udupi
Ujjain
Ulhasnagar
Una
Uttar Pradesh
Uttarakhand
Aurangabad
Palampur
Palakkad
Odisha
Shivpur
Siddipet
Sikar
Sikkim
Siwan
Silchar
Siliguri
Singrauli
Sitamarhi
Sivasagar
Solan
Solapur
Gir Somnath
Sonipat
South Tripura
Sri Ganganagar
Srinagar
Sunam
Ranchi
Ranebennur
Rewa
Robertsonpet
Sundarnagar
Ranipet
Ratlam
Rohru
Rohtak
Roorkee
Rourkela
Rudrapur
Sagar
Saharanpur
Saiha
Salem
Sangli
Sarkaghat
Satara
Satna
Sehore
Senapati
Seoni
Shantipur
Shimla
Shivamogga
Patna
Pollachi
Porbandar
Prayagraj
Puducherry
Pudukkottai
Pune
Punjab
Puri
Purnia
Purulia
Raichur
Raigarh
Raipur
Rajamahendravaram
Rajasthan
Rajkot
Rajnandgaon
Ramagundam
Ramgarh
Ranaghat
Nalgonda
Namchi
Nanded
Nandurbar
Narkanda
Narmadapuram
Nashik
Navi Mumbai
Navsari
Nawada
Neemuch
Nellore
Neyveli
Nizamabad
Noida
North Tripura
Pali
Panipat
Papum Pare
Patan
Pathanamthitta
Patiala
Medininagar
Meerut
Meghalaya
Mehsana
Gold Rate In Miraj
Miryalaguda
Mizoram
Moradabad
Morena
Motihari
Mohali
Muktsar
Munger
Murwara
Muzaffarpur
Mysuru
Nadiad
Nagaland
Nagapattinam
Nagda
Nagercoil
Nagpur
Naina Devi
Latur
Lawngtlai
Lohit
Lucknow
Ludhiana
Machilipatnam
Madhya Pradesh
Madurai
Mahabubnagar
Maharashtra
Mahasamund
Malappuram
Malda City
Malegaon
Malerkotla
Mamit
Manali
Mandsaur
Mandya
Mangalagiri
Mangaluru
Manipur
Mathura
Kerala
Kohima
Kolar
Kolasib
Kolhapur
Kolkata
Kollam
Korba
Kota
Kotkhai
Kottayam
Kozhikode
Krishnanagar
Kullu
Bhubaneswar
Bhuj
Bidar
Bikaner
Bilaspur
Burhanpur
Buxar
Cachar
Champhai
Chandel
Chandigarh
Chandrapur
Changlang
Chhapra
Chhatarpur
Amravati
Amritsar
Ajmer
Alappuzha
Aligarh
Alipurduar
Alwar
Adilabad
Agra
Ahmedabad
Ahmednagar
Srikakulam
Tirupati
Vizianagaram
Thanjavur
Achalpur
Guntakal
Hindupur
Madanapalle
Ongole
Proddatur
Adoni
Gorakhpur
Gandhidham
Gandhinagar
Gangavati
Gangtok
Gaya
Eluru
Ernakulam
Erode
Etawah
Faridabad
Firozabad
Dindigul
Dindori
Durg
Durgapur
Dhanbad
Dhar
Dharmavaram
Dharamshala
Dhubri
Dhule
Delhi
Dewas
Dhalai
Dhamtari
Danapur
Darjeeling
Datia
Dehradun
Baharampur
Balasore
Bankura
Bardhaman
Bareily
Baripada
Basti
Batala
Bathinda
Beawar
Begusarai
Belagavi
Berhampur
Betul
Bhagalpur
Bharatpur
Bharuch
Bhavnagar
Bhilai
Bhilwara
Bhimavaram
Bhind
Bhiwani
Bhopal
Bihar
Chirkunda
Chirmiri
Chittoor
Coimbatore
Cooch Behar
Cuddalore
Cuttack
Dadra Nagar Haveli Daman And Diu
Damoh
Deoghar
East Siang
Ghaziabad
Giridih
Goa
Gudivada
Gujarat

22 Carat
24 Carat

Historical Price of Gold Rate in Chennai

Tracking the historical price movements of gold offers valuable insights for investors, buyers, and the broader market. The table below outlines the historical gold price trend over a specified period. Analyse these trends to gain insights into the gold prices in Chennai.

Gold price movement in Chennai, Feb 2026

Gold Rate	22K	24K
1 February rate	₹ 13,620.60	₹ 14,869.70
20 February rate	₹ 14,204.00	₹ 15,506.60
Highest Price Feb	₹ 14,410.70 on February 11	₹ 15,732.20 on February 11
Lowest Price Feb	₹ 13,620.60 on February 1	₹ 14,869.70 on February 1
% Change	+4.28%	+4.28%
Over all Performance	Rising	Rising

Gold price movement in Chennai, Jan 2026

Gold Rate	22K	24K
1 January rate	₹ 12,225.00	₹ 13,346.10
31 January rate	₹ 15,186.80	₹ 16,579.50
Highest Price Jan	₹ 16,061.10 on January 29	₹ 17,534.00 on January 29
Lowest Price Jan	₹ 12,225.00 on January 1	₹ 13,346.10 on January 1
% Change	+24.23%	+24.23%
Over all Performance	Rising	Rising

Gold price movement in Chennai, Dec 2025

Gold Rate	22K	24K
1 December rate	₹ 11,798.10	₹ 12,880.00
31 December rate	₹ 12,200.70	₹ 13,319.50
Highest Price Dec	₹ 12,636.80 on December 26	₹ 13,795.60 on December 26
Lowest Price Dec	₹ 11,687.50 on December 2	₹ 12,759.30 on December 2
% Change	+3.41%	+3.41%
Over all Performance	Rising	Rising

Places to Purchase Gold in Chennai

If you are thinking about buying gold in Chennai, there are several reputable places where you can find high-quality gold jewellery. Some popular options include traditional jewellery shops and well-known jewellers who offer a wide range of designs. Additionally, you can explore digital platforms that offer reliable sources for purchasing physical gold or investing through gold ETFs.

Gold as an Investment in Chennai

Investing in gold has always been a reliable choice for Indian investors. In addition to its beauty appeal, gold serves as a valuable asset that can provide good returns. Chennai offers various investment options such as sovereign gold bonds, digital gold, physical gold, and gold ETFs. These investment choices allow you to diversify your portfolio and protect your wealth.

Impact of GST on Gold Prices in Chennai

The implementation of the Goods and Services Tax (GST) has had a significant impact on gold prices in Chennai. The new tax structure has replaced various indirect taxes, resulting in a standardised tax rate across the country. For today's gold prices in Chennai, India, refer to reliable financial sources.

Key Considerations When Buying Gold in Chennai

When buying gold in Chennai, there are a few key considerations to keep in mind. Firstly, check the purity of the gold jewellery, which is usually indicated by the karat value. Secondly, compare prices across different jewellers to ensure you get the best deal. Stay updated with today's gold market in Chennai by checking financial news.

Factors Affecting Gold Rates in Chennai

Gold rates in Chennai are influenced by various factors. Global trends like fluctuating currency exchange rates and geopolitical events play a significant role in determining the price of gold. Additionally, local factors such as demand-supply dynamics and changes in import duties also contribute to price changes.

Assessing Gold Purity in Chennai

To ensure that you are purchasing pure gold, it is important to assess its purity accurately. In Chennai, the purity of gold is measured using karats. The most common karat levels are 24K (99.9% pure), 22K (91.6% pure), 20K (83.3% pure), and 18K (75% pure). Reputable jewellers often provide BIS-hallmarked jewellery that guarantees the purity of gold.

Tips for Gold Investment in Chennai

If you are considering gold as an investment in Chennai, here are a few tips to keep in mind. Firstly, track gold prices regularly to identify favourable buying opportunities. Secondly, diversify your investment by considering digital gold and physical gold options. Lastly, focus on long-term investments to maximise returns from this precious metal.

Identifying Gold Karat in Chennai

Understanding different karat levels of gold is crucial when buying jewellery in Chennai. The karat value indicates the purity of gold, with 24K being the purest form. By observing the hallmark stamp on jewellery pieces, you can easily identify the Karat level and make informed decisions.

Distinguishing Between KDM and Hallmark Gold in Chennai

In Chennai, it is important to differentiate between KDM and hallmark gold. KDM gold is an alloy comprising 92% gold and 8% cadmium. On the other hand, hallmark gold refers to any gold with a BIS hallmark marking its purity, such as 916 (91.6%) gold, which is equivalent to 22K gold.

Finding Hallmarked 916 22-karat Gold in Chennai

If you are looking for hallmarked 916 22K gold in Chennai, several trusted jewellers offer BIS-certified jewellery. Look for reputable jewellery shops that follow proper standards and provide authentic hallmarked gold jewellery.

Why Do Gold Prices Vary in Chennai Compared to Other Cities?

Gold prices in Chennai may differ from those in other cities due to various factors. Fluctuations in currency exchange rates, local demand-supply dynamics, import duties, and transportation costs can all contribute to price variations. Additionally, consumer preferences and regional market conditions also play a role in determining prices.

Ideal Timing for Buying Gold in Chennai

Timing plays a crucial role when buying gold in Chennai. Keeping an eye on the gold price trends and market conditions will help you make informed decisions. While prices can fluctuate, it is advisable to consider buying gold during periods of low demand or when prices are relatively stable.

Gold Rate Trends in Prominent Areas of Chennai

Gold rate trends can vary across different areas of Chennai. Prominent areas like T Nagar, Mylapore, and Nungambakkam have a large number of jewellery shops and see a high demand for gold. By observing the trends in these areas, you can get a better understanding of the overall gold market in Chennai.

Gold Investment Choices in Chennai

Chennai offers various gold investment choices, catering to different preferences and requirements. Sovereign gold bonds, digital gold platforms, physical gold purchases from trusted jewellers, and gold ETFs are popular options for investors.

Bringing Gold into Chennai from Abroad

If you plan to bring gold into Chennai from abroad, it is essential to be aware of the relevant regulations and guidelines. Ensure that you comply with customs laws and declare your gold at the port of entry. It is advisable to check the current Indian Rupee exchange rates against foreign currencies to understand the value of your gold.

Understanding Fluctuations in Gold Rates in Chennai

Fluctuations in gold rates are a common occurrence in Chennai. These fluctuations are influenced by various factors such as global economic conditions, geopolitical events, and changes in government policies.

Where to Check Current Gold Rates in Chennai?

To check the current gold rates in Chennai at any time, refer to reliable financial sources. These sources provide accurate and up-to-date information on gold rates in Chennai.

Conclusion

In conclusion, understanding the gold rate in Chennai is essential for both buyers and investors. By keeping track of gold price trends, you can make informed decisions and increase your returns. Stay updated with the latest gold rates by consulting financial news and reports.

FAQs

What is the present gold rate trend in Chennai?

Today’s gold rate in Chennai is ₹14204.00.

What is today's 22-karat gold rate in Chennai?

Today’s 22-karat gold rate in Chennai is ₹14204.00.

What is the price of 24-karat gold in Chennai?

Today’s 24-karat gold rate in Chennai is ₹15506.60.

What was the retail gold price in Chennai yesterday?

Yesterday’s 24-karat gold rate in Chennai is ₹15506.60.

What does the future hold for gold rate forecasts in Chennai?

Gold rate forecasts are subject to market conditions like demand for gold, geopolitical events, and currency exchange rates.

Why does the gold price in Chennai experience frequent fluctuations?

The price of gold fluctuates due to global economic factors, demand and supply dynamics, and currency exchange rates.

How is the gold price determined in Chennai?

The gold price in Chennai is influenced by international markets, demand for gold, and other economic factors.

What taxes are imposed on gold purchases in Chennai?

Taxes such as the Goods and Services Tax (GST) are imposed on gold purchases in Chennai. Check with local authorities for specific tax rates.

How can I verify the purity of gold in Chennai?

To verify gold purity, look for BIS hallmarks on jewellery or consult trusted jewellers who provide accurate information about the purity of gold.

What factors influence gold prices in Chennai?

Factors such as global economic conditions, demand for gold, inflation rates, and currency exchange rates can influence gold prices in Chennai.

What are the methods for investing in gold in Chennai?

Methods for investing in gold include physical gold (jewellery, coins) and digital options (sovereign gold bonds, gold ETFs). Choose an option that suits your financial goals.

What considerations are important when buying gold in Chennai?

When buying gold, consider purity, current gold rate and reputation of the seller.

What are the various karat levels of gold available in Chennai?

Various karat levels of gold available in Chennai include 24-karat (purest), 22-karat (91.6% pure), 20-karat (83.3% pure), and 18-karat (75% pure).

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Disclaimer

Prices of gold on this site are indicative, subject to market changes, and provided "as is" from third-party sources without warranties of accuracy, completeness, or timeliness. This information is for general reference only, not investment, financial, or professional advice, and does not constitute an offer or recommendation by Shriram Finance Limited. Verify with official sources before acting; Shriram Finance bears no liability for losses from use or reliance.