Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and Gizcalc India ("Gizcalc", "we", "us", or "our"), governing your access to and use of gizcalc.in and its associated calculation tools, APIs, and services (the "Platform"). By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms in their entirety, you must discontinue use immediately.

1. About Gizcalc & Non-Advisory Nature of Tools

Gizcalc is a category-led online platform hosting over 750 free digital calculation and estimation engines tailored for the Indian regulatory, financial, and educational context. All calculation results, formula walkthroughs, and smart suggestions provided on the Platform are intended strictly for educational, informational, and personal planning purposes.

Gizcalc is NOT a licensed financial institution, bank, non-banking financial company (NBFC), SEBI-registered investment advisor, chartered accountant firm, legal practitioner, or medical provider. Calculator outputs do not constitute professional advice. Please observe the following mandatory disclaimers:

• Financial & Investment Projections: Calculators such as SIP, Mutual Fund CAGR, Lumpsum, and FIRE assume uniform annualized rates of return and do not factor in market volatility, expense ratios, macroeconomic shocks, or fund manager risk. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing.
• Taxation Estimates: Income Tax (Old vs. New Regime under Section 115BAC), HRA exemptions, capital gains, and GST calculations are illustrative estimates based on publicly notified tax slabs. They do not constitute statutory tax advice. Your final tax liability depends on verified documentation, individual declarations, and official assessment by the Income Tax Department of India. Always consult a qualified Chartered Accountant before filing returns.
• Loan & EMI Figures: EMI estimates, amortizations, and interest costs are indicative. Actual interest rates, processing fees, loan tenures, and prepayment penalties are determined solely by lending institutions in accordance with their proprietary underwriting policies and your credit profile.
• Health & Biometric Indicators: BMI, BMR, TDEE, and calorie estimates are screening metrics derived from generalized population formulas. They are not medical diagnoses. Consult a certified medical practitioner or registered dietitian before undertaking any dietary or fitness regime.
• Salary & Payroll Breakups: CTC in-hand calculations are indicative estimations based on standard deduction structures and may vary depending on employer policies, provident fund rules, and verified investment declarations.

2. Eligibility & Minor Protection (DPDP Act Section 9)

By using the Platform, you represent and warrant that you are at least 18 years of age, or if an emancipated minor between 13 and 18, that you possess the lawful consent of your parent or legal guardian. In strict adherence to Section 9 of the Digital Personal Data Protection Act, 2023, we do not knowingly solicit personal data from or deliver targeted behavioral advertising to individuals under 18 years of age.

3. User Accounts, Security & Credential Responsibilities

While all 750+ calculators are fully accessible without registration, users may optionally create an account to save calculation history across devices. If you register, you agree to: (a) provide accurate, current information, (b) safeguard your password credentials, and (c) accept responsibility for all activities conducted under your account. We reserve the right to suspend or terminate accounts that engage in fraudulent activity or compromise platform security.

4. User Account Deletion & Right to Erasure (DPDP Act Section 12)

In accordance with Section 12(1)(c) of the DPDP Act 2023, you have the absolute legal right to demand the complete permanent deletion of your user account and all associated personal data. You may execute instant account deletion directly via your Account Dashboard, or submit a formal deletion request through our Data Rights Portal. Upon confirmation, your profile, authentication credentials, and saved calculation records will be irreversibly erased from our active databases within 30 days.

5. Acceptable Use Policy & Anti-Scraping Restrictions

You agree to use the Platform strictly for lawful purposes. You shall not:

• Use automated scrapers, bots, crawlers, or extraction scripts to harvest calculator logic, SEO text, or platform data without explicit prior written authorization from Gizcalc.
• Probe, scan, or test the vulnerability of the Platform, its firewalls, API endpoints, or database infrastructure.
• Circumvent or attempt to circumvent security mechanisms, CAPTCHA challenges, or rate-limiting thresholds.
• Commercialize, white-label, or resell calculator outputs as a paid competing service.
• Introduce malicious software, viruses, Trojan horses, or unauthorized payloads.

6. Intellectual Property Rights

All software code, mathematical algorithms, user interface designs, custom CSS styling, graphics, documentation, and original textual content on Gizcalc are the proprietary intellectual property of Gizcalc India and are protected under Indian and international copyright and trademark laws. All rights are strictly reserved. Personal, non-commercial citation with active attribution to gizcalc.in is permitted.

7. Third-Party Links, Affiliates & Advertisements

The Platform may display advertisements served through Google AdSense or links to reputable third-party financial institutions. Clicking on these links directs you to external web properties operating under separate privacy terms and user agreements. Gizcalc does not endorse, warrant, or assume liability for third-party products, loan approvals, or financial services.

8. Limitation of Liability

To the maximum extent permitted by applicable Indian law, Gizcalc and its founders, developers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages, including but not limited to financial losses, tax penalties, missed investment returns, or personal injury resulting from your use of or inability to use the Platform or reliance on calculator outputs.

9. Governing Law & Exclusive Jurisdiction

These Terms shall be governed by, construed, and enforced in accordance with the laws of the Republic of India. In the event of any legal dispute arising out of or in connection with these Terms or your use of the Platform, the competent courts located in New Delhi, India shall possess exclusive jurisdiction.

10. Statutory Redressal & Contact

For inquiries regarding these Terms or formal legal correspondence, please contact:

• Legal Department: gizcalc@gmail.com
• Data Protection Officer: GizCalc (gizcalc@gmail.com)
• Contact Channel: Electronic communication via gizcalc@gmail.com and online portal (Digital platform)