Terms and Conditions

1. Introduction

Welcome to EMI and Financial Calculators. These Terms and Conditions govern your use of our website and services. By accessing or using our website, you agree to be bound by these terms. If you disagree with any part of these terms, please do not use our services.

2. Definitions

• "Website" refers to EMI and Financial Calculators, accessible at our domain.
• "Service" refers to the financial calculators and tools provided on the website.
• "User" refers to any individual who accesses or uses our website.
• "We", "Us", "Our" refers to EMI and Financial Calculators.

3. Use of Services

Our financial calculators are provided for informational and educational purposes only. By using our services, you agree to:

• Use the calculators only for lawful purposes
• Not rely solely on calculator results for major financial decisions
• Consult qualified financial advisors for professional advice
• Not attempt to reverse engineer or copy our calculator algorithms
• Not use automated systems to access or scrape our website

4. Disclaimer of Warranties

The calculators and information provided on this website are for general informational purposes only. We make no representations or warranties of any kind, express or implied, about:

• The accuracy, reliability, or completeness of calculator results
• The suitability of our services for any particular purpose
• The continuous, uninterrupted availability of our services
• The absence of errors, viruses, or other harmful components

5. Limitation of Liability

To the fullest extent permitted by applicable law, EMI and Financial Calculators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of or inability to use our services. Our total liability shall not exceed the amount you paid for using our services (which is zero for free services).

6. Financial Advice Disclaimer

The calculations and information provided by our tools do not constitute financial, investment, tax, or legal advice. Results are based on the inputs you provide and standard mathematical formulas. Actual results may vary based on various factors including but not limited to market conditions, tax laws, and individual circumstances. Always consult with qualified professionals before making financial decisions.

7. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, icons, images, and software, is the property of EMI and Financial Calculators and is protected by Indian and international copyright laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

8. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any such content or services.

9. Modifications to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of any material changes by updating the "Last updated" date at the top of this page. Your continued use of our services after any such changes constitutes your acceptance of the new Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in Bangalore, Karnataka, India.

11. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.