Terms of Use

Please read these terms carefully before using our website.

Welcome to our website. By accessing or using this website and the tools provided herein, you agree to be bound by the following Terms of Use. These terms govern your use of our online calculators and any other services or content offered through the website. If you do not agree with any part of these terms, you must refrain from using the site.

1. Acceptance of Terms

By visiting this website, you agree that you have read, understood, and accepted these Terms of Use. We reserve the right to modify them at any time without prior notice. Continued use constitutes acceptance of any changes.

2. Description of Services

We offer online financial calculators for:

  • ✅ EMI Calculators (Personal / Home / Car Loan)
  • ✅ Pension Calculation
  • ✅ Gratuity Calculation
  • ✅ Commuted Pension Calculation
  • ✅ Leave Encashment Calculation

These tools are provided for informational and educational purposes only.

3. No Professional Advice

All tools are informational only and not a substitute for professional advice. We recommend consulting qualified financial, legal, or tax professionals.

4. Accuracy of Calculations

Calculations are based on standard formulas but may not reflect real-world outcomes or current legal policies. Use results as a reference only.

5. User Responsibility

You are responsible for the accuracy of input data. You agree not to misuse our site or tools in any way, including unauthorized access or data scraping.

6. Intellectual Property Rights

All content (design, code, graphics, calculators, etc.) is owned by us and protected by law. Unauthorized use or reproduction is prohibited.

7. Third-Party Links and Content

External links are for user convenience. We are not responsible for third-party content, reliability, or policies.

8. Disclaimer of Warranties

Our services are provided “as-is” with no warranties of any kind. We disclaim all warranties including accuracy, uninterrupted service, or security.

9. Limitation of Liability

We are not liable for any damages arising from the use of this website or calculators, including financial loss or data issues.

10. Data Privacy

We do not collect personal information. Input data is processed locally and not stored. Refer to our Privacy Policy for details.

11. Termination of Access

We may suspend or terminate access without notice for violations of these terms or for any reason deemed necessary.

12. Contact Information

If you have any questions about these Terms of Use, please contact us at: