Terms and Conditions

Terms and Conditions - EMI Calculator & Loan Planner

Terms and Conditions

1. Acceptance of Terms

By downloading, installing, or using the EMI Calculator & Loan Planner mobile application ("App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our App.

2. Description of Service

EMI Calculator & Loan Planner is a financial calculator application that provides:

  • EMI calculations for various loan types
  • Loan comparison tools
  • SIP, FD, GST, and retirement calculators
  • Financial planning tools
  • Finance news updates
  • Bank and ATM locator services

3. Important Disclaimers

3.1 Calculator Tool Only

  • This App is a calculation tool only and does not provide actual loans, banking services, or financial products.
  • We are not a bank, NBFC, financial institution, or lending company.
  • We do not facilitate loan approvals, disbursements, or any financial transactions.

3.2 No Financial Advice

  • All calculations are for informational and planning purposes only.
  • Results should not be considered as professional financial advice.
  • Always consult qualified financial advisors before making financial decisions.
  • We do not guarantee the accuracy of calculations for actual loan applications.

3.3 Calculation Accuracy

  • Calculations may vary from actual loan terms offered by financial institutions.
  • Interest rates, processing fees, and charges may differ from real loan offers.
  • Banks and lenders may have different calculation methods and additional terms.

4. Acceptable Use

4.1 Permitted Use

  • Use the App to calculate EMI amounts for personal financial planning.
  • Compare different loan scenarios.
  • Generate and share EMI reports.
  • Access financial planning tools.

4.2 Prohibited Use

  • Use for commercial lending or financial services.
  • Copy, modify, or distribute the App without permission.
  • Attempt to reverse engineer or extract source code.
  • Use the App for illegal purposes.
  • Claim ownership of the App or its content.

5. Intellectual Property Rights

5.1 App Ownership

  • The App, including all content and functionality, is owned by Nova Pixel Studio.
  • All trademarks, logos, and service marks are our property or used with permission.

5.2 User Content

  • You retain ownership of any data you input into the App.
  • No financial data entered by users is stored or transmitted by us.
  • PDF reports generated are for your personal use only.

6. Data and Privacy

6.1 Data Collection

  • We collect minimal data as outlined in our Privacy Policy.
  • No personal financial information is stored or transmitted.
  • All calculations are performed locally on your device.

6.2 Third-Party Services

  • Google AdMob is used for ads.
  • Firebase Analytics is used for performance monitoring.
  • Third-party services have their own privacy policies.

7. Advertisements

7.1 Ad Display

  • Ads are shown via Google AdMob.
  • We do not control ad content.
  • Clicking on ads may redirect to external websites/apps.

7.2 Ad Responsibility

  • We are not responsible for advertiser content or offers.
  • All interactions are between you and the advertiser.

8. Limitation of Liability

8.1 No Warranties

  • The App is provided "AS IS" without any warranties.
  • No guarantee of uninterrupted or error-free operation.
  • No warranty for calculation accuracy in real-world cases.

8.2 Liability Limitation

  • We are not liable for direct or indirect damages.
  • No liability for financial losses or decisions made using the App.
  • Our total liability is limited to the price paid for the App (free).

9. Finance News and Information

  • News is sourced from third-party RSS feeds.
  • We do not verify or endorse the content.
  • Always consult professionals for investment advice.

10. Bank and ATM Locator

  • Location info is from third-party services.
  • We do not guarantee its accuracy or availability.

11. Updates and Modifications

  • We may update the App at any time.
  • Updates may change features or require new permissions.
  • Using the App after updates means you accept the new terms.

12. Termination

  • You may stop using the App anytime.
  • We may terminate access for policy violations.

13. Geographic Restrictions

The App is available globally, but some features may not work in all regions. You are responsible for complying with local laws.

14. Age Requirements

The App is suitable for all ages. Users under 18 should use with parental consent.

15. Technical Requirements

  • Android device required.
  • Internet needed for ads and news.
  • Calculators work offline.

16. Support and Contact

Developer: Nova Pixel Studio
Email: aptechnocrats.30.3.19@gmail.com

17. Governing Law

These Terms are governed by the laws of India.

18. Severability

If any provision is invalid, the rest remain in effect.

19. Entire Agreement

These Terms and our Privacy Policy constitute the full agreement.

20. Force Majeure

We are not liable for delays or failures caused by events beyond our control.

✅ Summary of Key Points

  • ✔️ This is a calculator app only - not a lending service
  • ✔️ Calculations are for planning purposes - not financial advice
  • ✔️ No liability for financial decisions - consult professionals
  • ✔️ Minimal data collection - see Privacy Policy
  • ✔️ Free app with ads - third-party advertisement content
  • ✔️ Local calculations - your data stays on your device

By using EMI Calculator & Loan Planner, you acknowledge that you have read, understood, and agree to these Terms and Conditions.

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