Terms of Service

1. Acceptance of Terms

By accessing and using OnlineCalc, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of Service

OnlineCalc provides free online calculators for various purposes including:

• Financial calculations (EMI, SIP, Loans, Fixed Deposits)
• Health metrics (BMI, BMR, Calorie, Ideal Weight)
• Mathematical operations (Percentage, Ratio, Grade, GPA, Average)
• Everyday utilities (Age, Date, Discount, Tip calculators)

All calculations are performed in your browser and are provided "as is" for general informational purposes.

3. User Responsibilities

When using OnlineCalc, you agree to:

• Use the calculators for lawful purposes only
• Not attempt to disrupt or interfere with the website's operation
• Not use automated tools to access the website excessively
• Not misrepresent calculator results as professional advice
• Verify critical calculations with appropriate professionals

4. Accuracy and Limitations

Important Disclaimer: While we strive for accuracy in all our calculators, OnlineCalc does not guarantee the accuracy, completeness, or reliability of any calculation results.

• Calculations are based on standard formulas and may not account for all variables
• Results should be used as estimates and guidelines only
• For critical decisions (financial, medical, legal), consult qualified professionals
• We are not responsible for decisions made based on calculator results

5. No Professional Advice

• Financial: Not a substitute for advice from certified financial advisors or planners
• Health: Not a substitute for medical advice from healthcare professionals
• Legal: Not a substitute for advice from qualified legal counsel
• Tax: Not a substitute for advice from tax professionals or accountants

6. Intellectual Property

All content, design, code, and functionality of OnlineCalc are owned by us and protected by copyright and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without explicit permission.

7. Third-Party Services

OnlineCalc may integrate third-party services (such as currency detection APIs). We are not responsible for:

• Availability or functionality of third-party services
• Accuracy of data provided by third-party services
• Privacy practices of third-party services (refer to their policies)

8. Limitation of Liability

To the fullest extent permitted by law, OnlineCalc and its operators shall not be liable for:

• Any direct, indirect, incidental, or consequential damages
• Loss of profits, data, or opportunities
• Damages resulting from use or inability to use our calculators
• Decisions made based on calculator results
• Errors, inaccuracies, or omissions in calculation results

9. Service Availability

OnlineCalc is provided free of charge on an "as available" basis. We do not guarantee:

• Continuous, uninterrupted, or error-free service
• That defects will be corrected
• That the website will be free from viruses or harmful components

We reserve the right to modify, suspend, or discontinue any part of the service at any time without notice.

10. Currency and Exchange Rates

For finance calculators with multi-currency support:

• Currency detection is based on IP geolocation and may not always be accurate
• We do not provide real-time exchange rates or currency conversion
• Currency symbols are for display purposes only
• Calculations are performed in the numerical values you input

11. Privacy

Your use of OnlineCalc is also governed by our Privacy Policy. Please review it to understand how we handle your information. By using our service, you consent to our privacy practices.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of OnlineCalc after changes constitutes acceptance of the modified terms.

13. Termination

We reserve the right to terminate or restrict your access to OnlineCalc at our discretion, without notice, for any reason, including violation of these terms.

14. Governing Law

These Terms of Service shall be governed by and construed in accordance with applicable laws. Any disputes shall be resolved in the appropriate jurisdiction.

15. Contact Information

If you have questions about these Terms of Service, please contact us. We will make reasonable efforts to respond to all legitimate inquiries.

16. Severability

If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.