Terms of Service

1. Acceptance of Terms

Welcome to PaisaCalc India (accessible from https://paisacalc.net.in). These Terms of Service govern your use of our website and all of our browser-based calculators (including Salary, GST, HRA, Gratuity, and Loan EMI Calculators).

By accessing or using our website, you agree to comply with and be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our website or services.

2. Intellectual Property Rights

Unless otherwise stated, Hexraa Technologies Private Limited and/or its licensors own the intellectual property rights for all material on PaisaCalc India. All intellectual property rights are reserved. You may access this from PaisaCalc India for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

• Republish material, source code, or calculations from PaisaCalc India.
• Sell, rent, or sub-license material from PaisaCalc India.
• Reproduce, duplicate, copy, or scrape content from PaisaCalc India for commercial databases.
• Redistribute content from PaisaCalc India (unless content is specifically made for redistribution, such as exported calculation sheets).

3. Permitted and Prohibited Uses

You agree to use PaisaCalc India only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website.

Prohibited behavior includes:

• Using any automated program, script, spider, or robot to query the site, run calculations, or scrape data.
• Attempting to disrupt the performance or integrity of our website or edge network hosting.
• Framing or mirroring our site on other domains without prior written authorization.

4. Disclaimer of Warranties

The financial calculators, tables, formulas, and references provided on PaisaCalc India are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied.

While we make reasonable efforts to maintain accurate formulas and reflect the latest Indian Income Tax acts, GST provisions, and financial models, Hexraa Technologies Private Limited makes no warranties, express or implied, regarding the accuracy, reliability, completeness, or timeliness of the calculations, results, or projections.

5. Limitation of Liability

In no event shall Hexraa Technologies Private Limited, its directors, employees, or partners be liable for any direct, indirect, incidental, special, or consequential damages (including, without limitation, financial loss, loss of profits, tax penalties, or bad investment decisions) arising out of or in connection with your use or inability to use our tools, calculations, or website content.

CAUTION: Financial calculations depend heavily on individual circumstances, tax regimes, and bank terms. Any decisions you make based on estimations from PaisaCalc India are solely at your own risk.

6. Link Insertion and Hyperlinking to our Content

Organizations may link to our home page, to publications, or to other website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

7. Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our website. You approve to immediately remove all links to our website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our website, you agree to be bound to and follow these linking terms and conditions.

8. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to your access to or use of the website shall be subject to the exclusive jurisdiction of the courts located in India.

9. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of the site following the posting of any changes to these Terms of Service constitutes acceptance of those changes.