Terms & Conditions

Last Updated: February 2, 2026
Effective Date: February 2, 2026

Welcome to FinCalculator.cloud. By accessing or using our Service, you agree to be bound by these Terms and Conditions.

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of FinCalculator.cloud (the "Service"), operated by FinCalculator Digital ("we," "us," or "our"). By accessing the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not agree with these Terms, you must immediately discontinue use of the Service.

2. Description of Service

FinCalculator.cloud provides free online financial calculators and educational content designed to help users make informed financial decisions. Our Service includes but is not limited to:

• SIP, EMI, Income Tax, and other financial calculators
• Educational articles and guides on personal finance
• Investment and loan planning tools

All calculators are provided as-is for informational and educational purposes only.

3. No Financial Advice

4. Accuracy of Calculations

While we strive to ensure that our calculators are accurate and up-to-date with the latest regulations (RBI guidelines, Income Tax Acts, etc.), we make no guarantees or warranties regarding the accuracy, completeness, or reliability of any calculation results.

Financial calculations can be affected by numerous variables including but not limited to:

• Changes in government policies, tax laws, and interest rates
• Individual financial circumstances and creditworthiness
• Bank-specific terms and conditions
• Market volatility and economic conditions

You acknowledge that actual results may differ from the estimates provided by our calculators.

5. User Responsibilities

When using the Service, you agree to:

• Provide Accurate Inputs: Enter correct and truthful information when using calculators.
• Use Legally: Comply with all applicable laws and regulations in your jurisdiction.
• Personal Use Only: Use the Service for personal, non-commercial purposes unless you have obtained prior written consent from us.
• No Automated Access: Refrain from using bots, scrapers, or automated systems to access the Service without permission.
• No Misuse: Not engage in any conduct that could harm, disable, or impair the Service or interfere with other users' access.

6. Intellectual Property Rights

All content on FinCalculator.cloud, including but not limited to text, graphics, logos, code, formulas, and software, is the intellectual property of FinCalculator Digital or our licensors and is protected by Indian copyright laws and international intellectual property treaties.

6.1 License to Use

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes, subject to these Terms.

6.2 Restrictions

You may not:

• Copy, modify, distribute, or create derivative works based on our content without prior written permission
• Reverse engineer, decompile, or disassemble any software used in the Service
• Remove or alter any copyright, trademark, or proprietary notices
• Use our brand name, logos, or trademarks without authorization

7. Third-Party Links

The Service may contain links to third-party websites or services that are not owned or controlled by FinCalculator.cloud. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services.

We strongly advise you to read the terms and privacy policies of any third-party websites you visit.

8. Limitation of Liability

To the maximum extent permitted by applicable law:

• No Warranty: The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
• Limitation of Damages: In no event shall FinCalculator Digital, its directors, employees, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, or other intangible losses, resulting from:
  • Your use or inability to use the Service
  • Financial decisions made based on calculator results
  • Any errors or inaccuracies in the content
  • Unauthorized access to or alteration of your data

Maximum Liability: Our total liability for any claims arising out of or related to these Terms or your use of the Service shall not exceed ₹1,000 (One Thousand Indian Rupees).

9. Indemnification

You agree to indemnify, defend, and hold harmless FinCalculator Digital and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:

• Your access to or use of the Service
• Your violation of these Terms
• Your violation of any rights of another party

10. Modifications to the Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

11. Changes to These Terms

We may revise these Terms from time to time. The most current version will always be posted on this page. If we make material changes, we will notify you by updating the "Last Updated" date at the top of this page.

Your continued use of the Service after such changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Service.

12. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to a breach of these Terms.

Upon termination, your right to use the Service will immediately cease.

13. Governing Law and Jurisdiction

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 out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts located in Bengaluru, Karnataka, India.

14. Dispute Resolution

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or the Service, the parties agree to first attempt to resolve the matter through good faith negotiations.

If the dispute cannot be resolved amicably within 30 days, either party may pursue legal remedies in accordance with Section 13 (Governing Law and Jurisdiction).

15. Severability

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

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and FinCalculator Digital regarding your use of the Service and supersede all prior agreements and understandings.

17. Contact Information

If you have any questions, concerns, or feedback regarding these Terms, please contact us:

By using FinCalculator.cloud, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.