Terms of Service

Please read these terms carefully before using calcinova.com.

1. Acceptance of Terms

By accessing and using Calcinova, you agree to be bound by these Terms of Service. If you do not agree, please do not use this website.

2. Nature of Service

Calcinova provides free online financial calculators and educational content. Our tools are designed to help you estimate and understand financial calculations such as SIP returns, income tax liability, loan EMI, compound interest, PPF maturity, and retirement planning projections.

3. Not Financial Advice

You should not make any financial decisions based solely on the results from our calculators. Always consult a qualified financial advisor, chartered accountant, or tax professional before making investment, tax, or borrowing decisions.

4. Accuracy of Calculations

While we make every effort to ensure our calculators use accurate and up-to-date formulas, we do not guarantee the accuracy, completeness, or timeliness of any calculations. Tax slabs, interest rates, and government policies may change, and there may be a delay before we update our tools to reflect these changes.

We are not liable for any financial losses, incorrect tax filings, or investment decisions made based on calculations from this website.

5. No Warranty

Calcinova is provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.

6. Limitation of Liability

To the maximum extent permitted by law, Calcinova and its team shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this website or its calculators.

7. Intellectual Property

All content, design, code, and calculators on Calcinova are owned by us and protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without written permission.

8. Third-Party Links and Services

Our website may contain links to third-party websites and services, including financial service providers. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content or practices of any third-party sites.

9. Affiliate Disclosure

Some links on Calcinova may be affiliate links. This means we may earn a commission if you sign up for a service through our link, at no additional cost to you. This does not influence our calculator results or the content we publish. We only recommend services we believe are genuinely useful.

10. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective when posted on this page with an updated date. Your continued use of Calcinova after changes are posted constitutes acceptance of the new terms.

11. Governing Law

These terms are governed by the laws of India. Any disputes arising from these terms shall be subject to the jurisdiction of the courts in Jaipur, Rajasthan, India.

12. Contact

For questions about these terms, contact us at:
Email: legal@calcinova.com
Website: https://calcinova.com/contact