1. Introduction and Acceptance

Welcome to PanCalculator.com (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website, financial calculators, tools, and related services (collectively, the “Service”). By accessing or using PanCalculator.com, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree with any part of these Terms, you must not use our Service. These Terms constitute a legally binding agreement between you and PanCalculator.com.

2. Use of the Website

2.1 Eligibility

You must be at least 18 years old to use our Service. By using PanCalculator.com, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

2.2 Permitted Use

You may use our Service for lawful purposes only. Specifically, you agree to:

• Use our calculators and tools for personal, educational, or professional financial planning
• Provide accurate information when using our calculators
• Respect the intellectual property rights of PanCalculator.com
• Comply with all applicable laws and regulations

2.3 Prohibited Activities

You agree not to:

• Use automated systems, bots, or scrapers to extract data from our website
• Attempt to reverse engineer, decompile, or hack our calculators or systems
• Upload malicious code, viruses, or harmful content
• Impersonate others or provide false information
• Use our Service for any illegal or unauthorized purpose
• Interfere with or disrupt the integrity or performance of our Service

3. Intellectual Property Rights

All content on PanCalculator.com, including but not limited to calculator algorithms, design elements, text, graphics, logos, and software, is the exclusive property of PanCalculator.com and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our Service for personal use only. This license does not include the right to:

• Reproduce, distribute, or publicly display our content
• Create derivative works based on our calculators or tools
• Use our content for commercial purposes without written permission
• Remove or alter any copyright, trademark, or proprietary notices

4. User Responsibilities and Data Accuracy

4.1 Input Accuracy

You are solely responsible for the accuracy of all data and information you input into our calculators. PanCalculator.com does not verify the accuracy of user-provided information and is not responsible for calculation errors resulting from incorrect inputs.

4.2 Professional Advice Disclaimer

Our calculators and tools are designed for informational and educational purposes only. They do not constitute professional financial, legal, tax, or investment advice. You should consult with qualified professionals before making any financial decisions based on our calculations.

4.3 Data Security

While we implement reasonable security measures, you acknowledge that no internet transmission is completely secure. You use our Service at your own risk and should not input highly sensitive personal information unless necessary for calculations.

5. Disclaimers and Limitation of Liability

5.1 Service Availability

We strive to maintain continuous service availability but do not guarantee uninterrupted access. Our Service may be temporarily unavailable due to maintenance, updates, or technical issues beyond our control.

5.2 Accuracy Disclaimer

While we make every effort to ensure the accuracy of our calculators and formulas, we do not warrant that:

• All calculations will be error-free or completely accurate
• Our Service will meet your specific requirements
• Results will be suitable for your particular financial situation
• Third-party data sources used in calculations are always current or accurate

5.3 Limitation of Liability

To the fullest extent permitted by law, PanCalculator.com shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our Service, including but not limited to financial losses resulting from reliance on our calculations.

6. External Links and Third-Party Content

Our website may contain links to external websites, affiliate partners, and third-party resources. These links are provided for convenience and informational purposes only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

Some links may be affiliate links, meaning we may receive compensation if you make purchases through these links. This does not affect the price you pay or influence our recommendations. All affiliate relationships are disclosed in accordance with FTC guidelines.

7. Termination

We reserve the right to terminate or suspend your access to our Service immediately, without prior notice, for any reason, including but not limited to:

• Violation of these Terms of Service
• Fraudulent, abusive, or illegal activity
• Technical or security concerns
• Extended periods of inactivity

Upon termination, your right to use our Service will cease immediately. All provisions of these Terms that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, and limitations of liability.

8. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will:

• Update the “Last Updated” date at the top of this page
• Notify users of significant changes through website announcements
• Provide reasonable notice for material changes that affect user rights

Your continued use of our Service after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically to stay informed of any updates.

9. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in India.

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

10. Contact Information

If you have any questions about these Terms of Service, need clarification on any provisions, or wish to report violations, please contact us:

• General Inquiries: Visit our Contact Page
• Legal Questions: Use our contact form for legal-related inquiries
• Technical Issues: Report problems through our support channels

We aim to respond to all inquiries within 48 hours during business days. For urgent matters, please clearly indicate the nature of your concern in your communication.

These Terms of Service are effective as of the date listed above and apply to all users of PanCalculator.com. By using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.