Terms & Conditions

AadharPe - Loan EMI Calculator is a financial and banking calculator tool.

The App may include calculators and related tools such as:

• EMI calculators
• Fixed Deposit (FD) calculators
• Recurring Deposit (RD) calculators
• SIP calculators
• Loan comparison calculators
• GST calculators
• VAT calculators
• Cash calculators
• Compound interest calculators
• SWP calculators
• PPF calculators
• Intraday calculators
• Loan and repayment calculators
• Other financial and banking calculators

The availability of particular calculators or features may change from time to time.

The App is intended to provide calculations, estimates, and general informational tools.

Calculator outputs are guidance only and should not be treated as a guarantee, quotation, offer, recommendation, or statement of the actual terms of any financial product or transaction.

Results may depend on:

• Information entered by the user
• Interest rates
• Compounding frequency
• Loan or investment duration
• Fees and charges
• Taxes
• Rounding methods
• Product-specific rules
• Timing
• Market conditions
• Applicable laws and regulations
• Assumptions incorporated into a particular calculator

Accordingly, the result shown by a calculator may differ from the actual result applicable to a financial product or transaction.

You are responsible for independently assessing any financial decision you make.

Before relying on a calculator result, you should verify relevant information, calculations, rates, fees, eligibility requirements, repayment schedules, tax treatment, investment terms, and other conditions with the relevant lender, bank, financial institution, investment provider, government authority, tax professional, or other appropriate source.

You should make your own assessment before investing, borrowing, entering into a financial transaction, or making any other financial decision.

The App does not provide, approve, arrange, broker, facilitate, or guarantee:

• Loans
• Credit
• Investments
• Bank accounts
• Deposits
• Insurance
• Securities
• Financial products
• Financial advice
• Credit decisions
• Loan approvals
• Loan applications
• Loan brokerage
• Investment management
• Other financial services

The App operator does not act as a lender, bank, NBFC, financial institution, broker, investment adviser, credit provider, or financial intermediary merely by providing the App and its calculators.

A calculator result does not constitute an offer or approval for a loan, credit facility, investment, or other financial product.

Use of the App does not create a lender-borrower, bank-customer, adviser-client, broker-client, fiduciary, investment-management, or other professional relationship between you and the App operator.

The appearance of a financial institution, product name, rate, advertisement, comparison, or other third-party information within or in connection with the App does not by itself mean that the operator endorses, guarantees, represents, or is affiliated with that institution or product.

You are responsible for:

1. Entering accurate information into the calculators;
2. Reviewing calculator results before relying on them;
3. Independently verifying relevant information;
4. Understanding the terms of any financial product or transaction you consider;
5. Obtaining professional advice where appropriate; and
6. Making your own financial decisions.

You should not rely solely on an App calculation when making a material financial, investment, borrowing, tax, or business decision.

We seek to provide useful calculator functionality, but we do not guarantee that:

• Every calculation will be error-free
• Every formula will reflect the methodology used by a particular institution
• Results will always be current
• Rates, taxes, fees, or regulations will be current
• Calculator results will match a financial institution's calculation
• The App will always be available
• The App will be free from bugs or interruptions
• The App will be suitable for every financial situation or jurisdiction

Different banks, lenders, financial institutions, governments, tax authorities, and investment providers may use different calculation methods, assumptions, conventions, or rules.

The App uses third-party services, including Google Ads and Google Analytics.

The App may also display or provide access to third-party advertisements, links, websites, products, services, or information.

Third parties operate independently from the App operator.

We do not control and are not responsible for the content, availability, accuracy, privacy practices, security, products, services, terms, or actions of third parties.

If you interact with a third-party service, you should review its applicable terms and privacy policy before proceeding.

The App may display advertisements through Google Ads or other advertising functionality that may be available from time to time.

Advertisements may be selected or delivered by third-party advertising systems based on factors determined by those systems.

The display of an advertisement does not constitute an endorsement, recommendation, guarantee, or representation by the App operator regarding the advertised product or service.

You should independently evaluate any advertised product or service and review the advertiser's applicable terms before entering into any transaction.

The App may use third-party analytics and technical services to support operation, measurement, performance, or improvement of the App.

These services may collect technical or usage information independently.

The operator's practices regarding information it directly collects are described in the Privacy Policy.

Third-party data practices are governed by the applicable third parties' own policies and terms.

Subject to applicable law, the App and its original content, design, branding, text, graphics, software, calculator interfaces, and other materials are owned by or licensed to the operator unless otherwise indicated.

You may use the App for its intended personal or lawful business purposes.

Unless expressly permitted by applicable law or authorized by the operator, you may not:

• Copy or reproduce the App or substantial portions of it
• Modify or create derivative works from the App
• Reverse engineer, decompile, or disassemble the App except to the extent such restriction is prohibited by applicable law
• Redistribute or commercially exploit the App without authorization
• Remove proprietary notices
• Use the App in a manner that violates applicable law or these Terms

Third-party names, logos, trademarks, and other intellectual property remain the property of their respective owners.

You agree not to use the App:

• For any unlawful purpose
• To interfere with or disrupt the App or its underlying systems
• To attempt unauthorized access to systems or data
• To circumvent technical restrictions
• To introduce malicious code or harmful software
• To misuse third-party services
• To infringe another person's rights
• In any manner prohibited by applicable law

We may modify, update, suspend, restrict, or discontinue all or part of the App or its features at any time.

Calculator formulas, available tools, interfaces, advertisements, third-party integrations, and other functionality may change without notice.

We do not guarantee that any particular calculator or feature will remain available.

Financial decisions involve risk.

The App cannot account for every circumstance relevant to a user's financial position, objectives, risk tolerance, tax circumstances, legal obligations, or financial products.

Investment values can rise or fall. Loan costs can vary. Interest rates, taxes, fees, market conditions, and financial regulations can change.

Nothing in the App should be interpreted as a prediction or guarantee of financial performance or outcome.

You remain solely responsible for your financial decisions.

To the maximum extent permitted by applicable law, the operator and its owners, personnel, affiliates, licensors, and service providers will not be responsible for losses or damages arising from or related to:

• Your reliance on a calculator result
• Errors or inaccuracies in information entered by you
• Differences between an App calculation and a financial institution's calculation
• Financial, investment, borrowing, tax, or other decisions made using information from the App
• Changes in interest rates, taxes, fees, regulations, market conditions, or financial-product terms
• Third-party advertisements, websites, services, or products
• Third-party data collection or processing
• App interruptions or unavailability
• Technical errors or failures
• Your use or inability to use the App

except to the extent that applicable law does not permit such limitation.

Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited under applicable law.

To the maximum extent permitted by applicable law, the App is provided on an “as is” and “as available” basis.

We do not make warranties or representations that the App will be:

• Accurate in every circumstance
• Complete
• Current
• Uninterrupted
• Error-free
• Secure
• Suitable for a particular purpose
• Appropriate for your individual financial circumstances

Where applicable law provides warranties or rights that cannot be excluded, those warranties or rights remain unaffected.

To the extent permitted by applicable law, you agree to be responsible for losses, claims, liabilities, costs, or expenses arising from your unlawful use of the App, your violation of these Terms, or your violation of another person's rights.

Nothing in this section requires you to indemnify the operator to the extent that such an obligation is prohibited by applicable law.

Your use of third-party services may also be subject to the third party's terms, policies, and conditions.

For example, Google services used in connection with the App may be subject to Google's applicable terms and policies.

You are responsible for reviewing and complying with terms applicable to third-party services you choose to use.

Your use of the App is also subject to our Privacy Policy.

Our Privacy Policy explains that the operator states it does not directly collect or store user information, while third-party services such as Google Ads and Google Analytics may independently collect information.

Privacy Policy: aadharpe.loanpeoffer.com/privacy-policy

The App is intended for worldwide availability.

You are responsible for ensuring that your use of the App and reliance on its information complies with laws applicable to you.

Financial products, tax rules, interest calculations, consumer protections, regulatory requirements, and terminology can vary substantially between countries and regions.

A calculator or financial concept available in the App may not be appropriate or applicable to your local financial system.

Nothing in the App constitutes a representation that any particular financial product, tax treatment, rate, calculation methodology, or regulatory requirement applies in your jurisdiction.

The App may provide calculators involving taxes or tax-related concepts, including GST or VAT.

Such calculators are provided for general informational and calculation purposes only.

Tax laws, rates, exemptions, thresholds, filing requirements, and interpretations can change and may vary by jurisdiction.

You should verify tax information with the applicable tax authority or a qualified tax professional before relying on it.

The App does not provide tax, legal, accounting, or regulatory advice.

We may restrict or terminate access to the App where reasonably necessary, including where use violates these Terms or applicable law.

You may stop using the App at any time.

Provisions that by their nature should continue after termination, including applicable disclaimers, limitations of liability, intellectual property provisions, and dispute-related provisions, may continue to apply to the extent permitted by law.

We may revise these Terms from time to time.

When changes are made, we may update the “Last Updated” date above and, where appropriate, provide additional notice through the App or another reasonable method.

Your continued use of the App after revised Terms become available may constitute acceptance of the revised Terms to the extent permitted by applicable law.

These Terms are intended for users worldwide.

Because you have not specified the operator's legal domicile or desired governing law, no particular governing law or exclusive jurisdiction is stated in this version.

Nothing in this section is intended to remove or restrict mandatory rights or protections that apply to you under the laws of your country or region.

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be limited or removed to the extent necessary, and the remaining provisions will continue to apply to the extent permitted by law.

If we do not immediately enforce a provision of these Terms, that does not necessarily mean that we waive our right to enforce it later.

These Terms, together with the Privacy Policy and any additional terms expressly incorporated by reference, constitute the terms governing your use of the App, subject to any mandatory rights or obligations imposed by applicable law.

Questions about these Terms may be sent to:

Celestial Infotech
Email: celestialinfotech2023@gmail.com

For clarity, the following principles apply throughout your use of the App:

Calculator results are estimates and guidance only. They are not financial advice, loan approvals, investment recommendations, guarantees, quotations, or offers.

You should make your own assessment before investing, borrowing, or making any financial decision.

You should independently verify financial information, rates, fees, repayment amounts, taxes, eligibility requirements, and product terms with the relevant lender, bank, financial institution, investment provider, tax authority, or other appropriate source.

AadharPe - Loan EMI Calculator does not provide, approve, arrange, broker, or facilitate loans, credit, investments, or financial services and does not act as a lender, bank, NBFC, or financial institution.

End of Terms & Conditions