Legal

Terms & Conditions

Last updated: 17 July 2026  ·  Effective from: 1 January 2025

These Terms and Conditions ("Terms") govern your access to and use of the Gizcalc website at gizcalc.in (the "Platform"), operated by Gizcalc ("we", "us", or "our"). By accessing or using the Platform in any way — including browsing, using calculators, creating an account, or submitting content — you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please discontinue use of the Platform immediately.

1. About Gizcalc

Gizcalc is a free online calculator platform built specifically for Indian users. It provides digital estimation and calculation tools across finance, tax, loans, salary, health, fitness, education, engineering, unit conversion, and other categories. The Platform currently hosts over 750 live calculators, a browser-based notepad, and a global calculator search engine. Gizcalc is intended for informational, planning, and educational purposes only. It is not a financial institution, bank, investment advisor, tax consultant, legal practitioner, or medical provider.

2. Acceptance of Terms

By using any part of the Platform, you confirm that:

  • You are at least 13 years of age. If you are under 18, you represent that you have parental or guardian consent to use the Platform.
  • You have read, understood, and agree to be bound by these Terms and our Privacy Policy.
  • If you are using the Platform on behalf of an organisation or business, you have the authority to bind that entity to these Terms.

These Terms apply to all visitors, registered users, and anyone else who accesses or uses the Platform in any capacity.

3. No Financial, Legal, or Medical Advice

The calculators and tools on Gizcalc are designed for planning and estimation purposes only. Results from any calculator on this Platform should not be treated as professional financial advice, investment advice, tax advice, legal advice, or medical advice. Please read the following important disclaimers carefully:

  • General disclaimer: Calculator results are based solely on the inputs you provide and on standard mathematical formulas or commonly referenced estimation models. Actual outcomes in the real world depend on current market conditions, lender policies, government regulations, employer terms, individual health factors, and many other variables that a calculator cannot fully account for.
  • Tax calculations: Income tax estimates, GST calculations, and other tax-related outputs do not constitute tax filing advice. Tax liability depends on individual circumstances, eligibility for specific deductions, regime choices, official rate revisions, and regulatory interpretations. Always consult a qualified Chartered Accountant or tax professional before filing your returns or making significant tax planning decisions.
  • Loan and EMI estimates: EMI figures, interest cost projections, and loan eligibility estimates are indicative only. Actual EMI, applicable interest rates, processing fees, prepayment charges, and other loan terms are determined solely by the lender and may differ from our estimates based on their internal policies and your credit profile.
  • Investment projections: SIP, lumpsum, FD, and other investment projections assume constant return rates and do not account for market volatility, fund-specific risk factors, inflation variability, tax treatment, or changes in economic conditions. Past performance of any financial instrument does not guarantee future results. Mutual fund investments are subject to market risk. Please read all scheme information documents carefully before investing.
  • Health and fitness results: BMI, BMR, TDEE, calorie goals, and other health metrics are screening indicators based on generalised population models and are not medical diagnoses. Consult a qualified physician, dietitian, or healthcare professional before making any health, diet, or fitness decisions.
  • Salary and payroll estimates: Salary breakup, in-hand calculations, and tax deduction estimates are indicative. Actual payroll depends on employer policies, current tax rules, verified investment declarations, and applicable HR regulations that may vary by organisation and jurisdiction.
  • Cryptocurrency and digital asset calculations: Crypto tax estimates are based on publicly known tax rules applicable at the time of development. Cryptocurrency regulations in India are subject to change. Always verify the current rules with a tax professional before filing or making transaction decisions involving virtual digital assets.

Gizcalc expressly disclaims all liability for any financial loss, legal liability, health outcome, or other adverse consequence arising from decisions made in reliance on calculator results or any other content published on the Platform.

4. User Accounts

Creating a registered account on Gizcalc allows you to save calculation history and access account-specific features. By creating an account, you agree to the following responsibilities:

  • Credential security: You are responsible for keeping your login credentials — including your email address and password — confidential. Do not share your password with anyone. Use a strong, unique password that you do not use on other platforms.
  • Account activity: You are responsible for all activity that occurs under your account, whether authorised by you or not. If you suspect unauthorised access to your account, notify us immediately through the Contact page.
  • Accurate information: You agree to provide accurate information during registration. Impersonating another person, using a false identity, or providing misleading registration details is strictly prohibited.
  • Single account: Creating multiple accounts to circumvent account restrictions, access limits, or platform policies is prohibited.

We reserve the right to suspend or permanently terminate accounts that violate these Terms, engage in abusive or harmful behaviour, use the Platform for fraudulent purposes, or are involved in any activity that undermines the integrity or security of the Platform.

5. Calculator Accuracy and Limitations

We make reasonable efforts to ensure the accuracy of the mathematical formulas and reference rates used in our calculators. However, certain limitations apply:

  • Interest rates, tax slabs, government scheme rates (PPF, EPF, NSC, etc.), and other dynamic parameters used in calculators are updated periodically but may not reflect the most recent revisions at all times.
  • Complex calculations involving multiple regulatory variables (such as income tax across different assessment years or GST across multiple product categories) may not capture every nuance of the applicable rules.
  • Calculators built on general models (such as FIRE, retirement, or health calculators) use commonly accepted formulas that may not account for every individual scenario.

If you discover an error in a calculator's output, we encourage you to report it through our Contact page with your inputs and the expected result, so we can investigate and correct it promptly.

6. Intellectual Property

All content on the Platform — including but not limited to calculator logic and code, article and SEO text, user interface design, graphics, branding, trademarks, logos, and any other original material — is the intellectual property of Gizcalc or its respective licensors. All rights are reserved. You may not:

  • Copy, reproduce, modify, adapt, translate, or create derivative works from any Platform content without our prior written permission.
  • Republish, redistribute, or commercially exploit any part of the Platform or its content.
  • Remove, alter, or obscure any copyright notices, trademark notices, or other proprietary legends on the Platform.
  • Use the Gizcalc brand, name, or logo in any way that implies endorsement, affiliation, or partnership without written approval.

You may freely link to individual calculator pages or result pages for personal, educational, or journalistic purposes with appropriate attribution. If you wish to embed, license, or partner with Gizcalc content, please contact us to discuss terms.

7. Acceptable Use Policy

You agree to use the Platform only for lawful purposes and in a manner consistent with these Terms. You agree not to:

  • Violate any applicable Indian or international law, regulation, or legally binding order.
  • Scrape, harvest, crawl, or systematically extract data from the Platform using automated tools without prior written permission from Gizcalc.
  • Attempt to gain unauthorised access to any part of the Platform, its servers, databases, or associated systems.
  • Interfere with or disrupt the operation of the Platform, its servers, or the networks connected to it.
  • Upload, transmit, or distribute any malicious software, viruses, worms, spam, or other harmful code or content.
  • Use the Platform for commercial resale, white-labelling, embedding in competing services, or any purpose that creates economic value for a third party without a written agreement with Gizcalc.
  • Engage in any conduct that harasses, defames, or harms other users or third parties.
  • Use automated systems or bots to inflate calculator usage metrics or otherwise manipulate Platform data.

8. Affiliate and Partner Links

Some pages on Gizcalc may display affiliate partner links or sponsored product recommendations for financial products such as loans, mutual funds, insurance plans, and investment platforms. By clicking these links and applying for or purchasing a product, you leave the Gizcalc Platform and engage directly with the partner institution under their own terms and conditions. Gizcalc may earn a commission from such partner referrals. These commercial relationships do not influence the accuracy of our calculator results or our editorial independence. We aim to only display affiliate links from institutions we consider reputable, but we are not responsible for the terms, quality, suitability, or outcomes of any third-party financial product.

9. Advertising

Gizcalc may display advertisements served by Google AdSense, Google Ad Manager, or other advertising networks. Advertisements are selected and served automatically by these networks based on page content, user behaviour, and contextual factors. Gizcalc does not endorse any specific advertiser or their products. Advertisement content does not reflect the views or recommendations of Gizcalc. If you encounter an advertisement that is inappropriate, misleading, or violates advertising standards, please report it through our Contact page so we can escalate the issue to the relevant ad network.

10. Service Availability

We aim to maintain the Platform and all its calculators in a working, accessible state at all times. However, we do not guarantee uninterrupted availability. The Platform may be temporarily unavailable due to scheduled maintenance, server upgrades, DDoS mitigation, third-party service outages, or events outside our control. We will endeavour to provide advance notice of planned downtime where possible. We are not liable for losses or inconvenience caused by temporary unavailability of the Platform.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Gizcalc and its founders, employees, contractors, and partners shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages arising from your use of or inability to use the Platform, including but not limited to:

  • Financial losses or investment decisions made in reliance on calculator estimates.
  • Errors or inaccuracies in calculator results due to incorrect inputs, formula assumptions, or outdated reference rates.
  • Delays, downtime, errors, or service interruptions affecting any part of the Platform.
  • Loss of data, calculation history, or notepad content resulting from browser clearing, account deletion, or technical failure.
  • Any outcome arising from products or services accessed through affiliate or partner links on the Platform.

12. Disclaimer of Warranties

The Platform 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, accuracy, completeness, non-infringement, or uninterrupted operation. We do not warrant that calculator results will be error-free, complete, or suitable for your specific situation. We disclaim all warranties to the fullest extent permitted by applicable law.

13. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of India. Any disputes arising from these Terms, your use of the Platform, or any content on the Platform shall be subject to the exclusive jurisdiction of the competent courts in India. If you have a dispute with us, we encourage you to first contact us directly through the Contact page to seek an informal resolution before initiating formal legal proceedings.

14. Changes to These Terms

We may revise these Terms from time to time as our services evolve, as legal requirements change, or for other operational reasons. When we make changes, we will update the "Last updated" date at the top of this page. For material changes that significantly affect your rights or obligations, we may provide additional notice on the Platform or via email to registered users. Continued use of the Platform after changes are posted constitutes your acceptance of the revised Terms. We recommend reviewing this page periodically to stay informed of any updates.

15. Contact

For questions, concerns, or feedback about these Terms, please contact us:

We aim to respond to all formal inquiries within 5 business days. For urgent matters related to account security or data privacy, please indicate the urgency in your subject line and we will prioritise your inquiry accordingly.