1. Introduction

  • Welcome to the Finance and EMI Calculator app (“the App”). These Terms and Conditions (“Terms”) govern your access to and use of the App. By downloading, accessing, or using the App, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the App.

2. Definitions

  • “We,” “Us,” “Our”: Refers to the developers, owners, and affiliates of the App.
  • “User,” “You,” “Your”: Refers to any individual or entity accessing or using the App.
  • “Content”: Refers to all text, images, calculations, data, and other information provided within the App.
  • “Service”: Refers to the functionalities and features offered by the App.

3. Eligibility

  • You must be at least 18 years old or the legal age of majority in your jurisdiction to use the App. By using the App, you represent and warrant that you meet this eligibility requirement.

4. Use of the App

  • The App is intended for personal and non-commercial use only. You agree not to use the App for any unlawful or prohibited purpose, including but not limited to:
    • Misrepresenting your identity or affiliation with any person or entity.
    • Accessing or attempting to access other users’ accounts or data without authorization.
    • Engaging in any activity that disrupts or interferes with the operation of the App.
    • Using the App to transmit or distribute viruses, malware, or other harmful software.

5. Intellectual Property

  • The App and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio) are owned by Us, Our licensors, or other providers of such material and are protected by intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on Our App without prior written permission from Us.

6. License to Use the App

  • Subject to your compliance with these Terms, We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes. You may not sell, rent, lease, distribute, or sublicense the App or any part of it to any third party.

7. User Content

  • You may have the ability to submit reviews, or feedback (“User Content”). By submitting User Content, you grant Us a worldwide, non-exclusive, royalty-free, perpetual, and irrevocable license to use, reproduce, modify, distribute, and display such content in connection with the operation of the App.

8. Currency Conversion and Financial Calculations

  • The App may provide currency conversion, EMI calculations, and other financial metrics based on the data you provide. These calculations are for informational purposes only and should not be considered as financial advice. The App does not guarantee the accuracy, completeness, or reliability of any calculations or information provided.

9. Third-Party Services

  • The App may contain links to third-party websites or services that are not owned or controlled by Us. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. Your use of any third-party websites or services is at your own risk.

10. Fees and Charges

  • The App is currently provided free of charge. However, We reserve the right to introduce fees or charges for certain features or services in the future. Any such fees or charges will be disclosed to you before they are applied.

11. Privacy Policy

  • Your use of the App is also governed by Our Privacy Policy, which explains how We collect, use, and protect your personal information. By using the App, you consent to the collection and use of your personal information as described in Our Privacy Policy.

12. Disclaimers

  • The App is provided “as-is” and “as available” without any warranties of any kind, either express or implied. We do not warrant that the App will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

13. Limitation of Liability

  • To the fullest extent permitted by law, We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or in connection with your use of the App. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses.

14. Indemnification

  • You agree to indemnify, defend, and hold Us harmless from any claims, liabilities, damages, losses, and expenses, including legal fees, arising out of or in any way connected with your use of the App, your violation of these Terms, or your violation of any rights of another party.

15. Modifications to the App and Terms

  • We reserve the right to modify, suspend, or discontinue the App or any part of it at any time without notice. We may also revise these Terms from time to time by updating this page. Your continued use of the App after any such changes constitutes your acceptance of the new Terms.

16. Termination

  • We may terminate or suspend your access to the App at any time, without notice, for any reason, including but not limited to your violation of these Terms. Upon termination, your right to use the App will immediately cease, and you must delete or remove the App from your device.

17. Governing Law

  • These Terms and any disputes arising out of or related to the App shall be governed by and construed in accordance with the laws of the jurisdiction in which the App is distributed, without regard to its conflict of law principles.

18. Dispute Resolution

  • Any disputes arising out of or in connection with these Terms or the App shall be resolved through binding arbitration in accordance with the rules of [Arbitration Body/Association], with the arbitration to take place in [Location]. The decision of the arbitrator shall be final and binding on both parties.

19. Severability

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

20. Entire Agreement

  • These Terms constitute the entire agreement between you and Us regarding your use of the App and supersede all prior agreements, understandings, or representations, whether written or oral.

22. Contact Information

  • If you have any questions or concerns about these Terms, please contact Us at [facefof.com@gamil.com].