Terms of Service

Last updated: March 26, 2026

By accessing and using this website ("the Site"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.

1. Description of Service

This Site provides free, browser-based tools across four suites: CalcWise (36 financial calculators and 23 in-depth guides including SIP, EMI, compound interest, mortgage, retirement, FD, RD, PPF, NPS, SSY, EPF, HRA, GST, gratuity, tax, lump sum, loan comparison, salary, CAGR, SWP, step-up SIP, age, BMI, inflation, credit card payoff, 401(k), Roth IRA, paycheck, US income tax, student loan, Social Security, ISA, UK income tax, UK mortgage, UK pension & UK student loan), FitCalc (9 health & fitness calculators and 6 guides including calorie needs, macro breakdown, body fat, heart rate, ideal weight, water intake, pregnancy due date, calorie burn & sleep cycles), DevKit (28 developer & converter tools and 15 blog articles including JSON formatter, Base64, JWT decoder, hash generator, regex tester, timestamp converter, password generator, UUID, QR codes, SQL formatter, JSON↔CSV converter, JSON↔XML converter, image compressor, minifiers & more), and UnitSnap (15 unit converters and 9 guides including length, weight, temperature, speed, volume, area, data storage, fuel efficiency, cooking units, time zones, pressure, power, energy, angle & time). All tools and content are designed for informational and educational purposes only.

2. No Professional Advice

The information, calculations, conversions, and content provided on this site do not constitute financial, investment, tax, legal, security, or professional advice. Financial calculator results are estimates based on the inputs you provide and do not account for all real-world factors. Developer tools are provided for convenience and should not be relied upon for security-critical operations. Unit conversion results are mathematical approximations and should be verified for precision-critical applications. Educational content is for general informational purposes only.

You should consult a qualified professional before making any decisions based on information from this site. We are not responsible for any decisions you make based on information from this site.

3. Accuracy of Results

While we strive to provide accurate tools and calculations, we make no guarantees about the precision or correctness of the results. Financial calculators use standard formulas and developer tools use standard algorithms — both should be treated as educational aids, not professional-grade instruments. Always verify important results independently.

4. Acceptable Use

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to the Site or its systems
• Introduce malware, viruses, or other harmful code
• Use automated tools to scrape or extract content from the Site
• Interfere with the proper functioning of the Site

5. Intellectual Property

All content on this site, including text, design, graphics, and code, is the property of the site owner and is protected by intellectual property laws. You may use the tools for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works from this site without permission.

6. Third-Party Content and Advertising

This site displays advertisements through Google AdSense. These ads are provided by third parties, and we do not endorse or guarantee the products or services advertised. Your interactions with advertisers are solely between you and the advertiser. Please review our Privacy Policy for information about how advertising cookies are used.

7. Limitation of Liability

To the fullest extent permitted by law, the site owner shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site, including but not limited to:

• Losses from decisions based on financial calculator results, health calculator results, developer tool outputs, or site content
• Errors or inaccuracies in calculations, conversions, or formatted outputs
• Interruptions or unavailability of the Site
• Actions of third-party advertisers

8. Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. External Links

The Site may contain links to external websites. We are not responsible for the content, accuracy, or practices of third-party sites. Inclusion of any link does not imply endorsement.

10. Modifications

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

11. Governing Law

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

12. Contact

For questions about these Terms, please visit our Contact page or visit our Contact page.