1. Acceptance of Terms
By accessing or using CalculHub (the "Platform"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you must discontinue use of the Platform immediately.
These Terms apply to all visitors, users, and others who access or use the Platform. CalculHub reserves the right to modify these Terms at any time. Continued use of the Platform after any such changes constitutes your acceptance of the new Terms.
2. Nature of the Service
CalculHub is a free, online utility platform that provides a suite of calculators across the following categories:
- Financial: Mortgage EMI, SIP, compound interest, income tax, PPF, retirement planning, and more.
- Health & Fitness: BMI, BMR, TDEE, body fat percentage, calorie needs, and ideal weight.
- Mathematical: Percentage, algebra, matrix operations, statistics, and scientific calculations.
- Market Rates: Real-time currency conversion, cryptocurrency calculations, and gold/silver rates.
All calculations are performed client-side within your browser. No data is transmitted to or stored on CalculHub servers.
3. YMYL Disclaimer — Financial & Health Tools
CalculHub operates in categories that Google and global regulatory bodies classify as "Your Money or Your Life" (YMYL) domains. Accordingly, the following disclaimer applies with full legal force:
Financial Disclaimer
The financial calculators on CalculHub (including but not limited to mortgage calculators, SIP calculators, tax calculators, and retirement planners) produce mathematical estimates based solely on the inputs you provide. These estimates:
- Do not constitute financial advice, investment advice, or tax advice of any kind.
- Do not account for individual financial circumstances, market volatility, regulatory changes, or lender-specific terms.
- Should not be relied upon as the sole basis for any financial decision.
- May differ significantly from actual bank, NBFC, or government calculations.
Always consult a certified financial planner (CFP), chartered accountant (CA), or licensed financial advisor before making investment, tax, or credit decisions.
Health & Medical Disclaimer
The health calculators on CalculHub (including BMI, body fat, BMR/TDEE, and calorie calculators) are based on established clinical and research formulas. However, these tools:
- Do not constitute medical advice, diagnosis, or treatment.
- Are not a substitute for consultation with a qualified physician, dietitian, or healthcare professional.
- May not be accurate for individuals with specific medical conditions, pregnancy, or non-standard body compositions.
- Should not be used to make any clinical or therapeutic decisions.
Always seek the advice of a qualified healthcare provider with any questions you may have regarding a medical condition or health plan.
4. Accuracy of Information
While CalculHub makes every effort to ensure the mathematical accuracy of its calculators using established formulas, we make no warranties or representations about the accuracy, reliability, completeness, or suitability of the information for any particular purpose.
Exchange rates, gold/silver prices, and cryptocurrency values are fetched from third-party APIs in real-time and may not always reflect the precise current market rate. These should be used for general estimation purposes only.
5. Intellectual Property
All content on CalculHub — including but not limited to text, design, graphics, code, and the selection and arrangement of content — is the intellectual property of CalculHub and is protected under applicable copyright and intellectual property laws.
You may use the Platform for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from this Platform without express written permission.
6. User Conduct
You agree not to use CalculHub to:
- Engage in any activity that is illegal, harmful, fraudulent, or deceptive
- Attempt to gain unauthorized access to any part of the Platform or its underlying infrastructure
- Scrape, crawl, or automate access to the Platform in a manner that exceeds normal human usage
- Transmit any malicious code, viruses, or harmful data
7. Third-Party Links & APIs
CalculHub may link to or integrate with third-party websites or APIs (e.g., exchange rate providers, cryptocurrency price feeds). These third-party services are not under our control, and we are not responsible for their content, availability, accuracy, or privacy practices. Links to third-party sites do not constitute an endorsement.
8. Limitation of Liability
To the fullest extent permitted by applicable law, CalculHub, its operators, and contributors shall not be liable for any:
- Direct, indirect, incidental, or consequential damages arising from your use of the Platform
- Financial losses resulting from reliance on calculator estimates
- Errors or interruptions in service
- Decisions made based on information provided by the Platform
Your use of CalculHub is entirely at your own risk.
9. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of India. Any disputes arising from the use of this Platform shall be subject to the exclusive jurisdiction of the courts of India.
10. Contact Us
For any questions about these Terms & Conditions, please contact us:
📧 Email:sameervirak@gmail.com
🌐 Website:Contact Page