Terms of Service

Last updated: August 21, 2025

Agreement to Terms

By accessing and using SmartCalcs (the "Service"), operated by SmartCalcs ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

These Terms apply to all visitors, users, and others who access or use the Service.

Description of Service

SmartCalcs provides free online financial calculators and tools, including but not limited to:

  • GST Calculator and Invoice Generator
  • SIP (Systematic Investment Plan) Calculator
  • EMI (Equated Monthly Installment) Calculator
  • Rent vs Buy Calculator
  • Unit Converter
  • Compound Interest Calculator
  • PDF report generation

All calculations are performed locally in your browser and are provided for informational purposes only.

Acceptable Use

You may use our Service to:

  • Perform financial calculations for personal or business use
  • Generate reports and documentation
  • Access educational content about financial concepts
  • Share links to our tools with others

You may not use our Service to:

  • Violate any applicable laws or regulations
  • Transmit harmful, offensive, or inappropriate content
  • Attempt to gain unauthorized access to our systems
  • Interfere with or disrupt the Service
  • Use automated systems to access the Service excessively
  • Reverse engineer or attempt to extract source code

Accuracy and Reliability

Important Disclaimer: While we strive to provide accurate calculations, the results are for informational purposes only and should not be considered as professional financial advice.

We make every effort to ensure the accuracy of our calculators, but:

  • Calculations are based on the information you provide
  • Results may vary due to rounding or computational methods
  • Tax rates, interest rates, and other factors may change
  • You should verify important calculations independently
  • Consult with qualified professionals for financial decisions

Financial Advice Disclaimer

Not Financial Advice: SmartCalcs provides calculation tools only and does not provide financial, investment, tax, or legal advice. Always consult with qualified professionals before making financial decisions.

Our tools and content are:

  • Educational and informational in nature
  • General purpose calculation tools
  • Not personalized financial recommendations
  • Not a substitute for professional advice

Intellectual Property

The Service and its original content, features, and functionality are owned by SmartCalcs and are protected by:

  • Copyright laws
  • Trademark laws
  • Other intellectual property laws

You may:

  • Use the Service for personal and commercial purposes
  • Share links to our tools
  • Include our calculations in your reports (with attribution)

You may not:

  • Copy, modify, or distribute our source code
  • Create derivative works without permission
  • Remove copyright or proprietary notices
  • Use our trademarks without authorization

User-Generated Content

If you provide feedback, suggestions, or other communications:

  • You grant us the right to use such feedback
  • You represent that you have the right to provide such content
  • You agree not to provide confidential information

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains:

  • How we collect and use your information
  • Our commitment to local data processing
  • Your rights regarding your data
  • Security measures we implement

Service Availability

We strive to provide reliable service, but:

  • The Service may be temporarily unavailable due to maintenance
  • We do not guarantee uninterrupted access
  • We may modify or discontinue features with notice
  • We are not liable for service interruptions

Limitation of Liability

Important: To the fullest extent permitted by law, SmartCalcs shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service.

This includes but is not limited to:

  • Financial losses from calculation errors
  • Business interruption or lost profits
  • Data loss or corruption
  • Third-party claims

Our total liability shall not exceed the amount you paid to use our Service (which is currently free).

Indemnification

You agree to indemnify and hold harmless SmartCalcs from any claims, damages, or expenses arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Any content you provide

Termination

We may terminate or suspend your access to the Service:

  • Immediately, without prior notice
  • For violation of these Terms
  • For any conduct we deem inappropriate
  • For legal or regulatory reasons

You may stop using the Service at any time.

Changes to Terms

We reserve the right to modify these Terms at any time. We will:

  • Post updated Terms on this page
  • Update the "Last updated" date
  • Provide notice of material changes

Your continued use of the Service constitutes acceptance of the updated Terms.

Governing Law

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in India.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Contact Information

If you have any questions about these Terms, please contact us:

Email: smartcalcs.help@gmail.com

Website: https://smartcalcs.in

Address: SmartCalcs, India

Acknowledgment

By using SmartCalcs, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.