gavelTerms of Service

1. Acceptance of Terms

By accessing and using Calkulator.in ("the Site"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please discontinue use of the Site immediately.

2. Nature of the Service

Calkulator provides free online calculation tools covering personal finance, investment planning, taxation, health, education, and general mathematics. All calculators are intended as quick estimation tools to help users understand approximate outcomes based on their inputs.

Calculator outputs depend entirely on the accuracy of inputs provided by the user. Calkulator does not guarantee the accuracy, completeness, or timeliness of any result. Tax slabs, interest rates, scheme rules, and other parameters may change and may not be immediately reflected in the calculators.

3. Not Financial or Professional Advice

Nothing on Calkulator constitutes financial advice, investment advice, tax advice, medical advice, or any other form of professional advice. Specific decisions about loans, investments, insurance, taxes, health, or education should be made in consultation with a qualified professional (financial advisor, chartered accountant, doctor, etc.).

4. Accuracy of Information

We make every effort to keep calculator logic accurate and up to date with current Indian regulations, RBI guidelines, SEBI rules, and income tax provisions. However, regulations change frequently and Calkulator cannot guarantee that all calculators reflect the most current rules at any given time. Users should verify results with official sources or a professional before acting on them.

5. Permitted Use

You may use Calkulator for personal, non-commercial purposes. You may not:

• Scrape, crawl, or systematically extract calculator results for commercial use
• Attempt to reverse-engineer or copy calculator logic for competing products
• Use the Site in any manner that could damage, disable, or impair the servers
• Use automated tools to access the Site at a rate exceeding reasonable human browsing

6. Third-Party Links and Advertisements

Calkulator may display third-party advertisements served by Google AdSense and may contain affiliate links to financial products and services. Calkulator is not responsible for the content, accuracy, or privacy practices of any third-party websites linked from this Site. Clicking on advertisements or affiliate links may result in a commission being earned by Calkulator at no additional cost to you.

7. Intellectual Property

All content on Calkulator — including calculator designs, written explanations, examples, formulas, and the site's visual design — is the property of Calkulator.in. You may share links to individual calculators but may not reproduce substantial portions of the Site's content without written permission.

8. Limitation of Liability

To the fullest extent permitted by law, Calkulator and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on any calculator result. This includes, without limitation, any financial loss resulting from an investment, loan, or tax decision made based on calculator output.

9. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Site. Continued use of Calkulator after any changes constitutes your acceptance of the revised terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

11. Contact

For questions about these Terms of Service, contact us at: legal@calkulator.in