Gold Rate in Kochi

Known as the 'Queen of the Arabian Sea,' Kochi is a flourishing port city with rich natural beauty and rich culture. The place is ideal for gold investment since it serves as Kerala's commercial, industrial and financial capital. Whether you are looking to buy gold jewellery or invest in this precious metal, understanding the gold market in Kochi today is essential. In this guide, you can find reliable information about today's gold price in Kochi, where to purchase gold, key considerations when buying gold and various investment choices available to you.

Today's Gold Rate in Kochi

Share
Share
13

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)

Gold rates are subject to various fluctuations. To get the gold prices in Kochi today, refer to the table below. This table provides accurate and up-to-date information on today's gold in Kochi.

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

22K gold is best suited for jewellery and is known for its affordability. To get the most accurate 22-karat gold rate in Kochi today and yesterday, refer to the table below:

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 Kochi

24K gold is known for its purity and is often sought after by investors. The table below displays today's 24-karat gold rate in Kochi, in comparison to what it was yesterday:

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 Kochi (Last 10 Days)

Compare the trends in 22-karat and 24-karat gold rates in Kochi over the last 10 days, for a better understanding of how gold prices in Kochi have fluctuated recently. Kindly refer to the table below for the same.

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 24karat Average Gold Rates in Kochi 10 | 20 | 30 | 60 | 90 | 80 Days | 1 | 2 | .... | 8 Years

Analyse the average gold rates for 22K and 24K gold across different periods in Kochi. Evaluate the following prices ranging from 10 days to 8 years to understand the price trends:

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

To calculate the current gold rate in Kochi based on your desired quantity, use a gold rate calculator. This tool allows you to calculate the price of gold based on various factors such as karat, weight and purity.

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

Gold price movement in Kochi, 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 Kochi, 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 Kochi, 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 Kochi

There are several opportunities to buy and sell gold in Kochi. To purchase gold, you can visit local jewellery shops that offer a wide range of gold jewellery. It is essential to compare prices and check for hallmark certifications before making a purchase. Choose credible sellers and stay updated with the current gold price in Kochi to get fair deals.

Gold as an Investment in Kochi

Investing in gold can be a wise financial decision if it is done with careful consideration and proper knowledge. Kochi provides various investment choices for both physical gold as well as digital forms of gold. Consider options like sovereign gold bonds, digital gold platforms, or purchasing gold from trusted jewellery shops. Additionally, investing in gold ETFs, which track the performance of gold prices is considered to be a convenient way to invest in gold. Each option has its advantages and may suit different investment preferences.

Impact of GST on Gold Prices in Kochi

The implementation of Goods and Services Tax (GST) has an impact on the price of several commodities, including gold. It is advisable to consider the impact of GST when buying or selling gold in Kochi.

Key Considerations When Buying Gold in Kochi

There are several important factors to consider before buying gold in Kochi. These include Ensure that the gold you purchase has the appropriate purity level, such as 22-karat or 24-karat. Stay updated with the current gold rate in Kochi to make informed purchasing decisions. Purchase gold from reputable jewellery shops or authorised dealers that offer certified hallmarked jewellery, to ensure authenticity. Take into account the making charges associated with jewellery purchases, as they can affect the overall cost. Look for BIS hallmarks on gold jewellery to ensure its authenticity and quality.

Factors Affecting Gold Rates in Kochi

Several factors can influence current gold rates in Kochi. These include the demand for gold, international market trends, economic conditions and global political events. You can track the changes in these factors to understand as well as anticipate the fluctuations in gold rates.

Assessing Gold Purity in Kochi

In Kochi, gold is available in different karat levels, including 8-karat, 20-karat, 22-karat and 24-karat. To assess the purity of gold in Kochi, look for BIS hallmarks on the jewellery or coins you purchase. BIS hallmarks indicate that the gold meets the required standards of purity.

Tips for Gold Investment in Kochi

If you are considering investing in gold in Kochi here are a few tips to keep in mind. Regularly monitor the current gold price in Kochi using reliable sources. Include a mix of physical gold, digital gold, or other investment choices to spread your risk. Decide whether you are investing for the short term or long term to choose the appropriate investment avenue. If you opt for physical gold, make sure you have a secure storage solution to protect your investment.

Identifying Gold Karat in Kochi

Identifying the karat level of gold is crucial when making a purchase or investment decision. In Kochi, you can find gold ranging from 24-karat (99.9% pure) to 8-karat (75% pure). For example, 22-karat gold is 9.6% pure, while 20-karat gold is 83.3% pure. It is essential to understand these different karat levels to make an informed choice.

Distinguishing Between KDM and Hallmark Gold in Kochi

When buying gold in Kochi, it is important to understand the difference between KDM and hallmark gold. KDM gold is an alloy comprising 92% gold and 8% cadmium. It is not BIS-hallmarked due to the potential toxicity of cadmium. On the other hand, hallmark gold refers to gold that carries a BIS hallmark, such as 96, indicating 9.6% purity or 22K gold.

Finding Hallmarked 916, 22-karat Gold in Kochi

To find hallmarked 916, gold in Kochi, visit trusted jewellery shops that offer BIS-certified jewellery. These shops assure purity and quality. Stay updated with today's gold rate in Kochi to ensure you are getting a good value for your investment.

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

Today's value of gold in Kochi can vary from other cities, states, or regions due to factors such as transportation costs, taxes, local demand and supply dynamics and market competition. Additionally, differences in consumer preferences and cultural significance may also contribute to variations in gold prices in Kochi.

Ideal Timing for Buying Gold in Kochi

While it is impossible to predict future price movements accurately, tracking historical trends can be very helpful. Historically, cultural festivals and wedding seasons tend to increase the demand for gold. Keep track of the gold rate in Kochi during these periods to identify favourable buying opportunities.

Gold Rate Trends in Prominent Areas of Kochi

Gold rate trends may vary in different areas of Kochi. It is important to consider the local demand, competition among jewellers and economic factors when assessing gold price trends in specific areas. To get accurate information on gold rate trends in specific areas of Kochi, refer to a reliable source.

Gold Investment Choices in Kochi

Kochi offers a variety of investment options such as physical gold, gold ETFs, SGBs and digital gold. Investing in these options can help you diversify your portfolio. Research and evaluate the available choices to determine which one aligns with your financial goals and risk-taking capacity. Kindly stay updated with today's gold rate in Kochi, India to get a good value for your investment.

Bringing Gold into Kochi from Abroad

If you are bringing gold into Kochi from abroad, it is important to be aware of customs regulations and duties. You may need to declare the gold at customs and pay applicable duties or taxes.

Understanding Fluctuations in Gold Rates in Kochi

Fluctuations in gold rates in Kochi are influenced by various factors like market trends, demand and supply dynamics, economic indicators and geopolitical events. Additionally, global currency exchange rates can impact the cost of importing gold. Understanding these fluctuations and their impact on the cost of gold in Kochi today can help you make informed investment decisions.

Where to Check Current Gold Rates in Kochi?

To check the current gold rates in Kochi at any time, consult financial sources that provide the latest market updates. These sources share current information on prevailing gold rates in Kochi.

Conclusion

In conclusion, if you are looking to buy or invest in gold in Kochi, it is crucial to stay updated with today's gold prices in Kochi. Stay updated with the latest gold rates in Kochi and make informed investment decisions

FAQs

What is the present gold rate trend in Kochi?

Today's gold rate trend can be checked through reliable financial sources for up-to-date information.

What is the current cost of gram of 8-karat and 20-karat gold in Kochi?

The current cost of gram of 8-karat and 20-karat gold is and respectively.

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

Today's 22-karat gold rate is.

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

Today's price of 24-karat gold is.

What was the retail gold price in Kochi yesterday?

Yesterday's retail price for 24-karat gold was.

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

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

Why does the gold price in Kochi experience frequent fluctuations?

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

How is the gold price determined in Kochi?

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

What taxes are imposed on gold purchases in Kochi?

Taxes such as Goods and Services Tax (GST) are imposed on purchases; check local authorities for specific tax rates.

How can I verify the purity of gold in Kochi?

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

What factors influence gold prices in Kochi?

Factors include global economic conditions, demand for gold, inflation rates, and currency exchange rates.

What are methods for investing in gold in Kochi?

Methods include physical forms like jewellery or coins and digital options like sovereign bonds or ETFs; choose one that suits your goals.

What considerations are important when buying gold?

When buying, consider purity, current rates, reputation of sellers, making charges, and resale value.

What are various karat levels available?

Available karat levels include 24-karat (purest), 22-karat (9.6% pure), 20-karat (83.3% pure), and 8-karat (75% pure).

Related Q&A

Diesel Price By City

Petrol Price By City

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.