Terms of Use

Effective date: August 30, 2026

Smart SIP & Loan Calculator provides mathematical estimates for general education and planning only. It does not provide financial, investment, lending, tax, accounting, insurance, or legal advice, and no result is a guarantee.

1. Acceptance of these terms

These Terms of Use govern your access to and use of Smart SIP & Loan Calculator. By downloading, accessing, or using the app, you agree to these terms and the Privacy Policy. If you do not agree, do not use the app.

2. Who may use the app

You must be legally capable of agreeing to these terms. If you are below the age of legal majority where you live, you may use the app only with the permission and supervision of a parent or legal guardian.

3. Estimates and no professional advice

Results depend on the values you enter, assumptions, formulas, rounding, app configuration, and rules available when you use the app. Interest rates, returns, inflation, taxes, fees, laws, market conditions, lender criteria, and financial-product terms can change. Actual results may differ materially.

No calculation guarantees investment returns, loan approval, affordability, tax treatment, savings, eligibility, or future performance. The app is not a bank, lender, broker, investment adviser, tax adviser, insurer, or fiduciary.

4. Your responsibility

You are responsible for checking all inputs, formulas, assumptions, and outputs before making a financial decision. For investments, loans, taxes, insurance, or other material commitments, consult an appropriately qualified professional and review current official documents from the relevant provider or authority.

5. License and acceptable use

Subject to these terms, you receive a limited, personal, revocable, non-exclusive, non-transferable license to use the app for lawful purposes on Apple-branded devices that you own or control, as permitted by Apple's rules.

You agree not to:

• use the app for an unlawful, fraudulent, harmful, or deceptive purpose;
• copy, sell, sublicense, rent, distribute, or commercially exploit the app except where law expressly permits;
• reverse engineer, decompile, extract source code, or bypass security or access controls except to the limited extent applicable law permits;
• interfere with, overload, automate abusive access to, or introduce malicious code into the app or connected services; or
• misrepresent app outputs as professional advice, verified offers, or guaranteed results.

6. Pro purchases and subscriptions

The app may offer monthly or yearly auto-renewing Pro subscriptions that unlock features such as PDF reports and an ad-free experience. The price, billing period, trial if any, and included features shown before purchase form part of these terms.

• Payment is charged to your Apple ID when the purchase is confirmed.
• A subscription renews automatically unless you cancel it at least 24 hours before the end of the current billing period.
• Your Apple ID may be charged for renewal within 24 hours before the current period ends.
• You can manage or cancel subscriptions in your Apple ID subscription settings. Deleting the app does not cancel a subscription.
• You may use Restore Purchases when signed in with the Apple ID used for the purchase.
• Refunds and billing disputes are handled under Apple's App Store rules and applicable law.

Features and prices may change prospectively. Price changes and any required notice or consent are handled through the App Store. RevenueCat may be used to validate transactions and synchronize Pro entitlement status.

7. Advertising

The free version may display banner, native, interstitial, and app-open ads supplied by Google Mobile Ads. Advertisers and advertised products or services are not endorsed by the app developer. Any transaction or interaction with an advertiser is between you and that advertiser. Ad placement, frequency, and availability may change. An active Pro subscription removes ads while the subscription remains active.

8. Third-party services and links

The app may rely on Apple, Google Mobile Ads, Firebase, RevenueCat, and other platform services. Third parties have their own terms and privacy practices. We do not control or guarantee their content, security, accuracy, availability, or conduct. Your use of third-party services may be subject to additional terms.

9. Reports, clipboard, and sharing

The app may allow you to create PDF reports, copy summaries, or share results. You are responsible for reviewing information before sharing it, choosing appropriate recipients, and protecting information you disclose. Shared files or clipboard content may remain with recipients, other apps, system backups, or services after you remove it from the app or device.

10. Intellectual property

The app, including its software, design, branding, text, graphics, and other materials, is owned by or licensed to the app publisher and protected by intellectual-property laws. No ownership rights are transferred to you. Third-party names and trademarks remain the property of their owners.

11. App changes, availability, and termination

Features, formulas, content, prices, and services may be updated, suspended, limited, or discontinued. We do not promise that the app will always be available, error-free, compatible with every device, or suitable for every jurisdiction. Your right to use the app may end if you materially violate these terms. You may stop using the app at any time by deleting it.

12. Disclaimer of warranties

To the fullest extent permitted by law, the app is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including warranties of accuracy, reliability, merchantability, fitness for a particular purpose, title, and non-infringement. Nothing in these terms excludes a warranty or right that cannot legally be excluded.

13. Limitation of liability

To the fullest extent permitted by law, the app publisher and its affiliates, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, data, savings, opportunities, business, or goodwill arising from use of or inability to use the app. Where liability cannot be excluded, it is limited to the minimum extent permitted by applicable law.

14. Indemnity

Where permitted by law, you agree to defend and indemnify the app publisher against claims, losses, and expenses arising from your unlawful use of the app, your violation of these terms, or your infringement of another person's rights.

15. Apple App Store terms

These terms are between you and the app publisher, not Apple. Apple has no responsibility for the app or its content and no obligation to provide maintenance or support. If the app fails to conform to an applicable warranty, you may notify Apple, and Apple may refund the purchase price, if any, as required by its rules and applicable law. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.

16. Governing law

These terms are governed by the laws applicable where the app publisher is established, without regard to conflict-of-law rules. Mandatory consumer rights and jurisdiction protections in your country of residence are not affected.

17. Changes to these terms

These terms may be updated when the app, services, or legal requirements change. The effective date above will be revised when an update is posted. Continued use after revised terms take effect constitutes acceptance to the extent permitted by law.

18. Contact

For questions about these terms, write to gurukarupamenufechar237@gmail.com, or use the developer support contact shown on the app's App Store listing.