Terms of Service

1. Acceptance

By accessing calccrack.com or any subdomain, you agree to these terms. If you do not agree, please close the tab. These terms form a binding agreement between you and CalcCrack (the “Service”) under the Indian Contract Act 1872.

2. Informational use only

Every calculator on CalcCrack is an educational and informational tool. Outputs are estimates based on formulas derived from public sources such as the Income Tax Act 1961, RBI circulars, the NPS scheme document, the PPF Rules 2019, and published bank rate pages. Nothing on this Service constitutes investment, legal, tax, or financial advice. You remain solely responsible for your financial decisions.

Before acting on any calculation, verify the numbers with a chartered accountant, SEBI-registered investment adviser, insurance broker, or the lending bank directly.

3. Rate data

Interest rates, EMI figures, FD returns, home loan offers, and similar numbers displayed on CalcCrack are estimates. Actual rates offered to you by a bank or NBFC depend on your credit score, income, employment category, relationship with the bank, and internal pricing policy. Published rates are checked against RBI base rate notifications and the rate pages of SBI, HDFC, ICICI, Axis, and other banks on a regular cadence, but are subject to change without notice.

4. No warranty

The Service is provided on an “as is” and “as available” basis. CalcCrack makes no warranty that results are accurate, error-free, complete, or current. To the maximum extent permitted by Indian law, CalcCrack disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. Use at your own risk.

5. Intellectual property

CalcCrack owns the site design, calculator methodology, content, and codebase. All content is protected under the Indian Copyright Act 1957. You may link to any page and quote short excerpts with attribution. You may not scrape the site at scale, resell calculator outputs, re-host calculators on another domain, or embed them in a commercial product without a written licence. Contact hello@calccrack.com for licensing.

6. Acceptable use

• No automated scraping, crawling, or harvesting beyond the limits stated in our robots.txt.
• No attempt to reverse engineer, decompile, or tamper with our calculator logic.
• No use of the Service for illegal, misleading, or fraudulent financial advice to third parties.
• No removal of copyright notices or attribution from embedded widgets.

7. Affiliate disclosure

Some outbound links on CalcCrack are affiliate links. If you click a “Check offer” button and complete an application with a partner such as Paisabazaar or BankBazaar, CalcCrack may earn a commission. This does not change the rate or fees you pay. Our rankings and methodology are published on each page and are not influenced by commission amounts.

8. Limitation of liability

To the fullest extent permitted by law, CalcCrack, its founder, and its contributors shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Service, including lost investment returns, missed tax filings, or financial losses. Total aggregate liability in any calendar year is limited to INR 10,000.

9. Governing law and jurisdiction

These terms are governed by the laws of India. Any dispute arising out of or relating to the Service shall be subject to the exclusive jurisdiction of the competent courts at Mumbai, Maharashtra.

10. Changes

CalcCrack may update these terms from time to time. Material changes will be posted on this page with a revised “Last updated” date. Continued use of the Service after changes means you accept the new terms.