Terms and Conditions

1. Acceptance of Terms

Welcome to Indian Finance Calculator. By accessing and using our website at indianfinancecalculator.com, you accept and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our services.

2. Use of Calculators and Services

2.1 Service Description

Indian Finance Calculator provides free online financial calculators including but not limited to Income Tax Calculator, EMI Calculator, SIP Calculator, In-Hand Salary Calculator, GST Calculator, HRA Calculator, CTC Calculator, PPF Calculator, FD Calculator, NPS Calculator, Loan Eligibility Calculator, Compound Interest Calculator, Gratuity Calculator, Age Calculator, Percentage Calculator, and Real Earning Calculator.

2.2 Accuracy and Reliability

• All calculators use standard Indian financial formulas and latest tax slabs as of FY 2026-27
• Results are for informational and educational purposes only
• We strive for accuracy but do not guarantee 100% precision in all scenarios
• Calculations may vary based on individual circumstances and policy changes
• Users should verify results independently before making financial decisions

2.3 Permitted Use

You may use our calculators for personal, non-commercial purposes. You agree not to:

• Reproduce, distribute, or republish calculator content without written permission
• Use automated systems (bots, scrapers) to access the website
• Attempt to reverse engineer or copy our calculator algorithms
• Use calculators for illegal or fraudulent activities
• Misrepresent calculator results as professional financial advice

3. Disclaimer of Warranties

3.1 No Warranty

The website and all calculators are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

• Accuracy, completeness, or reliability of results
• Fitness for a particular purpose
• Non-infringement of intellectual property rights
• Uninterrupted or error-free operation
• Freedom from viruses or harmful components

3.2 Tax and Legal Compliance

Tax laws, financial regulations, and government policies in India change frequently. While we update our calculators to reflect the latest information for FY 2026-27 (AY 2027-28), users are responsible for verifying current tax slabs, deductions, and compliance requirements with official government sources such as the Income Tax Department of India.

4. Limitation of Liability

• Use or inability to use our calculators or website
• Reliance on calculator results for financial decisions
• Errors, inaccuracies, or omissions in calculations
• Financial losses resulting from tax planning based on our calculators
• Investment decisions made using our SIP, PPF, FD, or NPS calculators
• Loan decisions based on EMI or loan eligibility calculations
• Tax penalties or interest charges from incorrect tax calculations
• Business interruptions, data loss, or system failures
• Unauthorized access to or alteration of your data

5. User Responsibilities

5.1 Verification of Results

Users are solely responsible for:

• Verifying calculator results with qualified professionals
• Consulting certified chartered accountants for tax planning
• Seeking financial advisors for investment decisions
• Confirming loan terms with banks and financial institutions
• Cross-checking income tax calculations with IT department guidelines
• Understanding that actual tax liability may differ based on individual circumstances

5.2 Data Accuracy

You are responsible for entering accurate information into our calculators. Incorrect inputs (salary figures, interest rates, investment amounts, tenure periods) will produce incorrect results. We are not liable for errors resulting from user input mistakes.

6. Intellectual Property Rights

6.1 Ownership

All content on Indian Finance Calculator, including but not limited to calculator algorithms, website design, text, graphics, logos, icons, images, source code, and software, is the exclusive property of Indian Finance Calculator and is protected by Indian and international copyright, trademark, and intellectual property laws.

6.2 Trademarks

"Indian Finance Calculator" and associated logos are trademarks. Unauthorized use of our trademarks is strictly prohibited and may violate trademark laws.

6.3 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our calculators for personal purposes only. This license does not include the right to download, copy, modify, or redistribute our content without explicit written permission.

7. Third-Party Links and Services

Our website may contain links to third-party websites, advertisements, or services that are not owned or controlled by Indian Finance Calculator. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

• We do not endorse or make any representations about third-party websites
• Links are provided for convenience only
• You access third-party links at your own risk
• We are not responsible for any damages or losses from third-party interactions

8. Advertising and Monetization

Our website displays advertisements through Google AdSense and other advertising networks to support our free services. By using our website:

• You agree to view advertisements displayed on our pages
• We may collect data for targeted advertising (see Privacy Policy)
• Advertisers are solely responsible for their product claims
• We do not endorse or guarantee advertised products or services
• Clicking on ads is at your own discretion and risk

9. Updates and Modifications

9.1 Calculator Updates

We reserve the right to update, modify, or discontinue any calculator at any time without prior notice. This includes updates to:

• Tax slabs based on annual Union Budget announcements
• Interest rates for PPF, FD, EPF, and NPS
• GST rates and tax calculation methods
• EMI formulas and loan eligibility criteria
• Salary calculation components and deduction rules

9.2 Terms Modifications

We may revise these Terms and Conditions at any time by updating this page. The "Last Updated" date will be changed accordingly. Continued use of our website after changes constitutes acceptance of revised terms.

10. Privacy and Data Protection

Your use of Indian Finance Calculator is also governed by our Privacy Policy. We do not store personal financial information entered into calculators. All calculations are performed client-side in your browser for privacy and security. Please review our Privacy Policy for detailed information about data collection and usage.

11. Indemnification

You agree to indemnify, defend, and hold harmless Indian Finance Calculator, its owners, operators, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

• Your use or misuse of our calculators and website
• Your violation of these Terms and Conditions
• Your violation of any rights of third parties
• Financial decisions made based on calculator results
• Any content you submit or transmit through our website

12. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising from or relating to the use of this website shall be subject to the exclusive jurisdiction of the courts in India.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

13. Contact Information

If you have any questions, concerns, or feedback regarding these Terms and Conditions, please contact us: