Terms of Service

1. Acceptance of Terms & Eligibility

These Terms of Service (the "Agreement") constitute a legally binding agreement between you ("User", "you", or "your") and CalculatorDigital ("Company", "we", "us", or "our"), operating https://www.calculatordigital.in/.

By visiting, accessing, browsing, or utilizing any calculator or informational guide on the website, you confirm that you are at least 13 years of age (or the legal age of majority in your jurisdiction) and possess the legal competence and authority to enter into this Agreement. If you disagree with any portion of these terms, you must discontinue use of the website immediately.

2. Nature of Services & Educational Simulation Purpose

CalculatorDigital provides free computational web applications across finance, health, mathematics, construction, and lifestyle domains. All interactive tools, outputs, charts, amortization schedules, and comparison metrics are provided solely for general informational, educational, and simulation purposes.

• No Professional Advisory: Calculations do not constitute certified financial advice (CFP/CFA), legal counsel, chartered accountancy (CPA/CA), medical diagnosis, nutritional prescriptions, or licensed civil engineering certifications.
• No Client Relationship: Your use of our tools does not establish a fiduciary, client, attorney-client, or patient-physician relationship of any kind.
• No Outcome Guarantee: Simulated interest rates, investment returns, tax deductions, or body fat calculations are mathematical estimates that may differ from actual banking or physiological values.

3. Intellectual Property Rights & Permitted Use

The entire content of CalculatorDigital—including the proprietary user interface design, visual CSS styling, SVG graphics, editorial guides, article copy, source code architecture, formula implementations, and brand assets—is the exclusive intellectual property of CalculatorDigital and is protected under national and international copyright, trademark, and unfair competition laws.

Grant of Limited License: We grant you a revocable, non-exclusive, non-transferable, royalty-free license to access and use our calculation engines for personal, educational, or internal commercial computation. You may freely print or download calculation summaries (such as PDF loan schedules or CSV tables) for your personal records.

Restrictions: You may not republish, distribute, sell, mirror, clone, or create derivative software suites based on our code without prior written consent from our management.

4. Acceptable Use Policy & System Integrity

When using CalculatorDigital, you explicitly agree not to engage in any of the following prohibited activities:

• Deploy automated web scrapers, bots, spiders, crawlers, or data harvesting scripts that extract formula algorithms, article text, or site assets without express authorization.
• Engage in denial-of-service (DoS/DDoS) attacks, flood requests, or attempt to compromise server infrastructure, caching layers, or network security.
• Frame, inline link, or embed the website within an iframe on external commercial domains in a manner intended to deceive visitors regarding original authorship.
• Circumvent, disable, or tamper with security protocols, ad-serving containers, or client-side calculation sandboxes.

5. Client-Side Processing & User Privacy

We take your computational privacy seriously. Our tools are engineered to execute mathematical formulas locally inside your browser runtime. Unless explicitly stated otherwise:

• We do not transmit your input numbers (e.g., loan principal, salary, age, body weight) to remote cloud databases.
• Calculation history features utilize browser localStorage, which stores state purely on your local device hardware and can be cleared by you at any time.
• For complete details regarding our telemetry, analytics, and advertising cookies, please review our comprehensive Privacy Policy.

6. Advertising Disclosures & External Hyperlinks

CalculatorDigital is funded through non-intrusive programmatic web advertising, including Google AdSense. In compliance with Google AdSense terms and FTC guidelines, please note that third-party vendors, including Google, utilize cookies to serve contextual advertisements based on your prior browsing history.

Our website may contain links to external third-party resources, scientific literature, banking portals, or government databases. We do not endorse, guarantee, or assume liability for the accuracy, legality, or operational practices of any external website you choose to visit from our links.

7. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, THE WEBSITE, ALL TOOLS, COMPUTATIONAL SCRIPTS, AND CONTENT ARE PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS.

CalculatorDigital EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE SECURE, UNINTERRUPTED, FREE OF BUGS, COMPUTATIONAL DISCREPANCIES, OR THAT DECIMAL ROUNDING WILL CORRESPOND EXACTLY TO INSTITUTIONAL BANKING PROTOCOLS.

8. Limitation of Liability

IN NO EVENT SHALL CalculatorDigital, ITS DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, OR CONTENT CONTRIBUTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:

• YOUR RELIANCE ON ANY CALCULATION, INTEREST SUMMARY, TAX ESTIMATE, OR BODY COMPOSITION METRIC;
• ANY FINANCIAL COMMITMENTS, REAL ESTATE TRANSACTIONS, OR MORTGAGES EXECUTED BASED ON ESTIMATES;
• ANY MEDICAL OR HEALTH CONSEQUENCES RESULTING FROM NUTRITIONAL OR DIETARY ADJUSTMENTS;
• SYSTEM DOWNTIME, DATA LOSS, OR UNAUTHORIZED ACCESS TO LOCAL BROWSER CACHE.

IN JURISDICTIONS THAT DO NOT PERMIT THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, OUR AGGREGATE LIABILITY SHALL NOT EXCEED ONE HUNDRED INDIAN RUPEES (INR ₹100) OR TEN US DOLLARS (USD $10).

9. Indemnification

You agree to defend, indemnify, and hold harmless CalculatorDigital, its officers, developers, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable legal fees) resulting from your violation of these Terms of Service or your unauthorized commercial misuse of calculation algorithms.

10. Governing Law & Jurisdiction

These Terms shall be governed by, construed, and enforced in accordance with the substantive laws of the Republic of India, without regard to conflict of law principles. Any dispute, controversy, or claim arising out of or relating to your use of this website shall be subject to the exclusive jurisdiction of the competent civil courts located in New Delhi, India.

11. Modifications to Tools & Terms

We reserve the right to modify, enhance, suspend, or discontinue any calculator tool or feature at any time without prior notice. We may update these Terms of Service periodically to reflect changes in legal requirements or calculation engine improvements. The revised date at the top of this document indicates when changes take effect. Continued use of our website constitutes acceptance of the amended terms.

12. Contact Information

If you have questions, feedback, or legal inquiries concerning these Terms of Service, please reach out to our legal and administrative department: