Terms of use

Last Updated: October 25, 2026

1. Acceptance of Terms

Namaste. Welcome to CalcSahayak.in.

I am Anusuya Ghosal Chatterjee, the founder of this website. By accessing or using this website, you agree to be bound by these Terms of Use and my Privacy Policy. If you do not agree with any part of these terms, please do not use my calculators or services.

Important: By using this site, you confirm that you are at least 18 years old or using it under the supervision of a guardian.

2. Educational Purpose Only (Critical Disclaimer)

This website is strictly a tool for information and education.

  • Not Professional Advice: Not Professional Advice: I am an independent financial tool creator and researcher—not a SEBI-registered investment advisor, Chartered Accountant (CA), medical doctor, or legal advisor.

  • Planning Estimates Only: Results from my EMI, SIP, Tax, Health, and other calculators are educational estimates based on standard mathematical formulas. They are not tailored to your individual financial, credit, or medical situation.
  • Verification Required: You must always consult a qualified professional (CA, Doctor, or Certified Financial Planner) before making any financial, health, or critical life decision. You acknowledge that all decisions made using these tools are your sole responsibility.

3. Mathematical Methodology & “As Is” Provision

Every calculator I build is grounded in standard Indian banking, financial, and scientific formulas and cross-verified against established benchmarks before going live.

  • Institutional Variations: While I test every tool for mathematical accuracy, individual banks, NBFCs, or regulatory bodies may apply custom rounding rules, broken-period interest, processing charges, or policy updates that differ from standard equations.

  • “As Is” Basis: All calculators and content on this site are provided strictly on an “as is” and “as available” basis without warranties of any kind. I do not guarantee that the site will always be uninterrupted, error-free, or immediately reflect sudden regulatory changes.

4. Limitation of Liability (Your Responsibility)

To the maximum extent allowed by Indian law, Anusuya Ghosal Chatterjee and CalcSahayak.in are not liable for any direct, indirect, or consequential loss you may suffer from using this website.

By using this site, you explicitly agree that I am not responsible for:

  • Financial loss from investments, loans, or tax planning.

  • Health complications from using BMI/Calorie tools.

  • Data loss, technical errors, or service interruptions.

You use this website and its data entirely at your own risk.

See how your data is protected at CalcSahayak.in.

5. Intellectual Property

CalcSahayak (calcsahayak.in) is an Udyam-registered MSME platform and brand founded by Anusuya Ghosal Chatterjee.

  • Ownership: All code, calculator logic, design, layout, logo, text, and other content on CalcSahayak.in are the intellectual property of Anusuya Ghosal Chatterjee.

  • Restrictions: You may not scrape, copy, reproduce, or republish my calculators or content on another website without my written permission.

6. Third-Party Links & Monetization

To keep this site free for everyone, I may use:

  • Affiliate Links: I may include links to products or services (like books, financial tools, or others). If you click a link and make a purchase, I may earn a small commission at no extra cost to you. I only recommend what I trust.

  • Google AdSense: I may display automated advertisements. I do not control the content of these third-party ads and accept no responsibility for the products they promote.

7. User Conduct

By using this site, you agree not to:

  • Use the website for any illegal or fraudulent purpose.

  • Attempt to hack, overload, or reverse-engineer the calculator code.

  • Use bots or scrapers to harvest data.

8. Indemnification 

You agree to indemnify and hold harmless CalcSahayak.in and its founder from any claims, damages, legal fees, or costs arising from:

  • Your use or misuse of the website.

  • Your violation of these Terms.

  • Your violation of any rights of a third party.

(In simple terms: If you use this site wrong and get into trouble, you cannot blame me or make me pay for it.)

9. Severability & Entire Agreement

  • Severability: If any provision of these Terms is found to be unenforceable or invalid by a court, that provision will be limited or eliminated, but the remaining Terms will remain in full force and effect.

  • Entire Agreement: These Terms, along with the Privacy Policy, constitute the entire agreement between you and CalcSahayak regarding your use of the site.

10. Governing Law

These terms are governed by the laws of India. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the courts in West Bengal, India.

11. Contact

If you have legal questions or found an error, please contact me directly from Contact & Support page.

 

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