Terms of Service - EMI & Loan Calculator
Terms of Service
Last Updated: July 15, 2025
1. Introduction
These Terms of Service (“Terms”) govern your use of the EMI & Loan Calculator mobile application (“App”) provided by us (“we”, “us”, or “our”). The App offers financial calculators for loans, EMI, GST, margin, lumpsum, discount, PPF, RD, SIP, inflation, and break-even calculations. By downloading, installing, or us- ing the App, you agree to be bound by these Terms. If you do not agree, do not use the App.
2. Acceptance of Terms
By accessing or using the App, you confirm that you are at least 13 years old and have the legal capacity to enter into these Terms. If you are using the App on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
3. License to Use the App
We grant you a non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes, subject to these Terms. You may not:
• Modify, reverse-engineer, or decompile the App.
• Distribute, sell, or sublicense the App.
Use the App for any illegal or unauthorized purpose.
4. App Usage
4.1 Calculator Functionality
The App provides financial calculators to estimate outcomes for loans, investments, taxes, and other financial scenarios. These calculations are for informational purposes only and should not be considered financial advice. You are responsible for verifying all calculations before making financial decisions, as rates and regulations vary by country.
4.2 Advertisements
The App uses Google AdMob and Meta Audience Network to display ads. We are not responsible for the content of third-party ads or your interactions with them.
4.3 User Conduct
You agree to use the App responsibly and not to:
• Engage in activities that disrupt or harm the App’s functionality.
• Attempt to gain unauthorized access to the App or its systems.
• Use the App to transmit harmful or illegal content.
5. Intellectual Property
All content, trademarks, and intellectual property in the App, including its design, code, and calculators, are owned by us or our licensors. You may not copy, reproduce, or distribute any part of the App without our prior written consent.
6. Third-Party Services
The App integrates third-party services (e.g., AdMob, Meta Audience Network) to provide ads. These services are governed by their own terms:
• Google AdMob: https://policies.google.com/terms
• Meta Audience Network: https://www.facebook.com/legal/terms
We are not responsible for the performance or policies of third-party services.
7. Disclaimer of Warranties
The App is provided “as is”without warranties of any kind, express or implied. We do not guarantee:
• The accuracy, completeness, or reliability of calculations.
• That the App will be uninterrupted, error-free, or free of viruses.
• The suitability of the App for your specific financial needs.
You use the App at your own risk and should consult a financial advisor for professional advice.
8. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the App, including but not limited to financial losses due to reliance on calculator results. Our total liability shall not exceed the amount you paid to use the App (if any).
9. Termination
We may suspend or terminate your access to the App at our discretion, with or without notice, if you violate these Terms or for any other reason. Upon termination, you must cease using the App, and all provisions of these Terms that reasonably survive termination (e.g., intellectual property, limitation of liability) will remain in effect.
10. Changes to These Terms
We may update these Terms to reflect changes in the App or legal requirements. We will notify you of significant changes by posting the updated Terms in the App or on our website. Your continued use of the App after changes constitutes acceptance of the revised Terms.
11. Governing Law
These Terms are governed by the laws of the United States, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the App will be resolved in the courts of the United States.
12. International Use
The App is designed for a global audience. By using the App, you agree to comply with all applicable local laws, including those related to financial regulations and data protection (e.g., GDPR, CCPA).
13. Contact Us
For questions or concerns about these Terms, contact us at:
• Email: kranpariya1527@gmail.com
Last Updated: July 15, 2025
1. Introduction
These Terms of Service (“Terms”) govern your use of the EMI & Loan Calculator mobile application (“App”) provided by us (“we”, “us”, or “our”). The App offers financial calculators for loans, EMI, GST, margin, lumpsum, discount, PPF, RD, SIP, inflation, and break-even calculations. By downloading, installing, or us- ing the App, you agree to be bound by these Terms. If you do not agree, do not use the App.
2. Acceptance of Terms
By accessing or using the App, you confirm that you are at least 13 years old and have the legal capacity to enter into these Terms. If you are using the App on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
3. License to Use the App
We grant you a non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes, subject to these Terms. You may not:
• Modify, reverse-engineer, or decompile the App.
• Distribute, sell, or sublicense the App.
Use the App for any illegal or unauthorized purpose.
4. App Usage
4.1 Calculator Functionality
The App provides financial calculators to estimate outcomes for loans, investments, taxes, and other financial scenarios. These calculations are for informational purposes only and should not be considered financial advice. You are responsible for verifying all calculations before making financial decisions, as rates and regulations vary by country.
4.2 Advertisements
The App uses Google AdMob and Meta Audience Network to display ads. We are not responsible for the content of third-party ads or your interactions with them.
4.3 User Conduct
You agree to use the App responsibly and not to:
• Engage in activities that disrupt or harm the App’s functionality.
• Attempt to gain unauthorized access to the App or its systems.
• Use the App to transmit harmful or illegal content.
5. Intellectual Property
All content, trademarks, and intellectual property in the App, including its design, code, and calculators, are owned by us or our licensors. You may not copy, reproduce, or distribute any part of the App without our prior written consent.
6. Third-Party Services
The App integrates third-party services (e.g., AdMob, Meta Audience Network) to provide ads. These services are governed by their own terms:
• Google AdMob: https://policies.google.com/terms
• Meta Audience Network: https://www.facebook.com/legal/terms
We are not responsible for the performance or policies of third-party services.
7. Disclaimer of Warranties
The App is provided “as is”without warranties of any kind, express or implied. We do not guarantee:
• The accuracy, completeness, or reliability of calculations.
• That the App will be uninterrupted, error-free, or free of viruses.
• The suitability of the App for your specific financial needs.
You use the App at your own risk and should consult a financial advisor for professional advice.
8. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the App, including but not limited to financial losses due to reliance on calculator results. Our total liability shall not exceed the amount you paid to use the App (if any).
9. Termination
We may suspend or terminate your access to the App at our discretion, with or without notice, if you violate these Terms or for any other reason. Upon termination, you must cease using the App, and all provisions of these Terms that reasonably survive termination (e.g., intellectual property, limitation of liability) will remain in effect.
10. Changes to These Terms
We may update these Terms to reflect changes in the App or legal requirements. We will notify you of significant changes by posting the updated Terms in the App or on our website. Your continued use of the App after changes constitutes acceptance of the revised Terms.
11. Governing Law
These Terms are governed by the laws of the United States, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the App will be resolved in the courts of the United States.
12. International Use
The App is designed for a global audience. By using the App, you agree to comply with all applicable local laws, including those related to financial regulations and data protection (e.g., GDPR, CCPA).
13. Contact Us
For questions or concerns about these Terms, contact us at:
• Email: kranpariya1527@gmail.com