Terms of Service

1. Acceptance of Terms

By accessing or using this financial calculator platform (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

These Terms constitute a legally binding agreement between you and the operators of this Service. We reserve the right to modify these Terms at any time. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

2. Description of Service

We provide free online financial calculators and educational tools designed to help users make informed financial decisions. Our calculators include but are not limited to:

• EMI vs Rent Calculator
• FIRE (Financial Independence, Retire Early) Calculator
• SIP (Systematic Investment Plan) Calculator
• Loan Calculator

The Service is provided on an "as is" and "as available" basis. We do not guarantee continuous, uninterrupted, or error-free operation of the Service.

3. No Financial Advice

All calculations, results, and information provided through our Service are for educational and informational purposes only. They should not be construed as:

• Professional financial advice
• Investment recommendations
• Tax or legal guidance
• Offers to buy or sell any financial instrument
• Guarantees of future financial outcomes

You should consult with qualified financial advisors, tax professionals, or legal experts before making any financial decisions based on information from this Service.

4. Accuracy of Calculations

While we strive to provide accurate calculations based on standard financial formulas, we make no warranties or representations regarding:

• The accuracy, completeness, or reliability of calculations
• The suitability of results for your specific circumstances
• The performance of financial assumptions or projections

Calculator results depend on the inputs you provide and assumptions we set as defaults. Different assumptions may yield significantly different results. Financial markets, regulations, and personal circumstances vary widely and cannot be perfectly modeled by any calculator.

5. User Responsibilities

When using this Service, you agree to:

• Provide accurate inputs to the best of your knowledge
• Independently verify all calculations and results
• Understand the limitations and assumptions of each calculator
• Use the Service only for lawful purposes
• Not attempt to reverse engineer, modify, or exploit the Service
• Not use the Service to provide advice to third parties commercially
• Respect intellectual property rights in the Service content

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Service
• We are not responsible for financial losses, missed opportunities, or adverse decisions made based on information from this Service
• We do not guarantee the accuracy, timeliness, or completeness of any information provided through the Service
• Our total liability to you for any claim arising from your use of the Service shall not exceed ₹1,000 (one thousand Indian Rupees)

Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability. In such cases, our liability will be limited to the maximum extent permitted by applicable law.

7. Intellectual Property

All content on this Service, including but not limited to text, graphics, logos, calculator code, design elements, and methodologies, is the property of the Service operators or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may use the Service for personal, non-commercial purposes only. You may not:

• Copy, modify, or distribute Service content without permission
• Create derivative works based on the Service
• Use the Service or its content for commercial purposes
• Remove copyright or proprietary notices

8. Third-Party Links and Services

The Service may contain links to third-party websites or display third-party advertisements (via Google AdSense). We do not endorse, control, or assume responsibility for:

• Content on third-party websites
• Products or services advertised by third parties
• Privacy practices of third-party services
• Accuracy of information provided by third parties

Your interactions with third parties are solely between you and the third party. We encourage you to review the terms and privacy policies of any third-party services you access.

9. Indemnification

You agree to indemnify, defend, and hold harmless the Service operators, their affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any rights of third parties
• Financial decisions made based on Service outputs

10. Privacy

Your use of the Service is also governed by our Privacy Policy. Please review it to understand how we collect and use information.

11. Termination

We reserve the right to:

• Suspend or terminate your access to the Service at any time, with or without notice
• Modify or discontinue any part of the Service
• Remove any content from the Service

Upon termination, your right to use the Service immediately ceases. Sections of these Terms that by their nature should survive termination (including liability limitations and indemnification) will remain in effect.

12. Geographic Scope

While this Service is accessible globally, it is primarily designed for users in India. Calculators use India-specific assumptions (e.g., interest rates, inflation, market returns) that may not be applicable in other jurisdictions.

Users outside India should exercise additional caution and adjust assumptions to reflect their local economic conditions.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts located in [Your City, India].

14. Severability

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

15. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements and understandings.

16. Contact Information

For questions about these Terms, please contact us at:

Email: plsbootstrapmysite@gmail.com
Website: https://bootstrapmysite.com/