Terms of Service.

By accessing or using HQCalc ("the Website", "we", "our", or "us") at hqcalc.com, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Website.

These Terms apply to all visitors, users, and others who access or use the Website. We reserve the right to update these Terms at any time. Continued use of the Website after changes constitutes acceptance of the updated Terms.

HQCalc provides free online calculators, converters, and utility tools for finance, investment, health, mathematics, and general utility purposes. All tools are provided free of charge for personal and informational use.

Our calculators include but are not limited to: income tax calculators, SIP calculators, EMI calculators, GST calculators, BMI calculators, and PDF/image tools. New tools may be added or existing tools modified at any time without prior notice.

All calculations, results, projections, and outputs provided by HQCalc are for informational and educational purposes only. They are estimates based on the inputs you provide and the formulas implemented at the time of calculation.

HQCalc does not guarantee the accuracy, completeness, or suitability of any calculation result for any specific purpose. Tax calculations are based on publicly available Finance Act provisions and may not reflect all individual circumstances, amendments, or interpretations.

Results from HQCalc tools should NOT be used as the sole basis for financial, investment, tax, legal, medical, or any other professional decisions. Always consult a qualified Chartered Accountant, financial advisor, doctor, or relevant professional before making decisions based on our results.

HQCalc is not responsible for any financial loss, tax liability, health outcome, or other consequence arising from reliance on the results provided by our tools.

All content on HQCalc — including but not limited to text, articles, blog posts, tool designs, layouts, graphics, logos, and source code — is the intellectual property of HQCalc and its creator Shivam Sagar, protected under applicable Indian and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content from HQCalc without prior written permission.

You are permitted to share links to our pages and quote brief excerpts (up to 50 words) for non-commercial purposes with proper attribution and a link back to the original source.

You agree to use HQCalc only for lawful purposes. You must not:

— Use the Website in any way that violates applicable Indian or international laws or regulations.

— Attempt to gain unauthorised access to any part of the Website or its underlying systems.

— Use automated tools, bots, or scrapers to extract data from our Website at scale.

— Transmit any harmful, offensive, or disruptive content through any contact or feedback mechanisms.

— Misrepresent the source of any calculation result or claim that results are official government figures.

We reserve the right to terminate or restrict access to users who violate these terms.

HQCalc uses Google AdSense to display advertisements. Google AdSense may use cookies and similar tracking technologies to serve personalised advertisements based on your browsing behaviour. This is governed by Google's Privacy Policy and Advertising Policies.

HQCalc may also use Google Analytics or similar services to analyse website traffic. These services collect anonymised usage data to help us improve our tools.

We are not responsible for the content, accuracy, or practices of any third-party advertisers or services linked from our Website. Links to third-party websites do not constitute endorsement.

Your use of HQCalc is also governed by our Privacy Policy, available at hqcalc.com/privacy. The Privacy Policy is incorporated into these Terms by reference.

All calculations are performed locally in your browser. We do not store, transmit, or process the financial or personal data you enter into our calculator tools on our servers.

To the fullest extent permitted by applicable law, HQCalc, its owner Shivam Sagar, and its contributors shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

— Your use of or inability to use the Website or its tools.

— Any errors, inaccuracies, or omissions in calculator results.

— Any decisions made based on results from our tools.

— Interruption, suspension, or termination of the service.

Our total liability to you for any claim arising from use of HQCalc shall not exceed INR ₹0 (zero), as all services are provided free of charge.

You agree to indemnify and hold harmless HQCalc, its owner, and contributors from any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from your violation of these Terms or your use of the Website.

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or your use of HQCalc shall be subject to the exclusive jurisdiction of the courts located in Aligarh, Uttar Pradesh, India.

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page. The "Last Updated" date at the top of this page will be revised accordingly.

It is your responsibility to review these Terms periodically. Your continued use of HQCalc after changes are posted constitutes your acceptance of the revised Terms.

If you have any questions about these Terms of Service, please contact us:

Email: support@hqcalc.com

Website: hqcalc.com/contact

Address: Aligarh, Uttar Pradesh, India