Terms and Conditions

Welcome to EveryCalc ("we," "us," "our," "Site," or "Service"). These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and EveryCalc regarding your access to and use of our website https://everycalc.site and all associated calculator services.

These Terms are governed by and comply with:

By using our Service, you represent and warrant that:

• You are at least 18 years of age, or using the Service with parental/guardian consent
• You have the legal capacity to enter into binding agreements
• You will comply with all applicable laws and regulations
• All information you provide is accurate and truthful

For the purposes of these Terms, the following definitions apply:

2.1 Key Terms

• "Service" or "Site": Refers to the EveryCalc website (everycalc.site) and all calculator tools, features, content, and functionality provided therein.
• "User" or "You": Any individual or entity that accesses or uses our Service.
• "Content": All text, graphics, images, calculations, results, software, code, and other materials available on the Site.
• "Calculator Tools": The various online calculators provided on our Site for finance, health, education, and other purposes.
• "User Data": Any data, information, or inputs you provide when using our Calculator Tools.
• "Results": The output, calculations, or information generated by our Calculator Tools based on User Data.
• "Third-Party Services": External services, websites, or links not controlled by EveryCalc.
• "Intellectual Property": All copyrights, trademarks, patents, trade secrets, and other proprietary rights.

2.2 Legal Terms

• "Agreement": These Terms and Conditions, along with our Privacy Policy and any additional terms.
• "Applicable Law": The laws of India, including but not limited to the Information Technology Act, 2000.
• "Force Majeure": Events beyond our reasonable control that prevent us from fulfilling obligations.

3.1 License to Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Service for personal, non-commercial purposes.

3.2 Permitted Uses

You may use our Service to:

• Access and use Calculator Tools for legitimate calculation purposes
• View, download, and print content for personal, non-commercial use
• Share results or links to our Site on social media or personal communications
• Use calculators for educational, personal financial planning, or informational purposes

3.3 Restrictions

You agree NOT to:

• ❌ Use the Service for any commercial purpose without our written permission
• ❌ Reproduce, distribute, modify, or create derivative works from our Content
• ❌ Reverse engineer, decompile, or disassemble any software or code on the Site
• ❌ Use automated systems (bots, scrapers, spiders) to access the Service
• ❌ Remove copyright notices, trademarks, or proprietary markings
• ❌ Frame or mirror the Site on another website without permission
• ❌ Attempt to gain unauthorized access to the Site or related systems
• ❌ Use the Service in any way that violates applicable laws or regulations

3.4 Account and Registration

Currently, EveryCalc does not require user registration or account creation. You can use our Calculator Tools without providing personal information. If we introduce registration in the future, additional terms will apply.

3.5 Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

4.1 Accurate Information

You are responsible for ensuring that all data and information you input into our Calculator Tools is accurate, complete, and up-to-date. EveryCalc is not responsible for errors resulting from inaccurate user inputs.

4.2 Verification of Results

You acknowledge that:

• Calculator results are provided for informational and educational purposes only
• You are solely responsible for verifying the accuracy and applicability of results
• Results should not be solely relied upon for important decisions without professional consultation
• Different calculators may use different formulas or methodologies

4.3 Professional Advice

EveryCalc does NOT provide:

• Financial advice, investment recommendations, or tax guidance
• Medical, health, or diagnostic advice
• Legal advice or interpretation of laws
• Professional consulting in any field

Always seek advice from licensed professionals for important decisions affecting your finances, health, legal status, or other critical matters.

4.4 Internet Connection & Device

You are responsible for:

• Providing your own internet connection and device to access the Service
• Ensuring your device and software are secure and up-to-date
• Any fees charged by your internet service provider or mobile carrier
• Maintaining the security of your device and browser

4.5 Compliance with Laws

You agree to comply with all applicable Indian laws, regulations, and guidelines, including but not limited to:

• Information Technology Act, 2000 and its amendments
• Indian Penal Code, 1860
• Consumer Protection Act, 2019
• Copyright Act, 1957
• All other applicable central and state laws

5.1 Ownership

All intellectual property rights in the Service, including but not limited to:

• Website design, layout, and user interface
• Calculator algorithms, formulas, and methodologies
• Text content, graphics, logos, and images
• Software code, scripts, and database structures
• Trademarks, service marks, and brand names

...are owned by or licensed to EveryCalc and are protected under Indian intellectual property laws, including the Copyright Act, 1957, and the Trade Marks Act, 1999.

5.2 Copyright Notice

5.3 Trademarks

"EveryCalc" and associated logos are trademarks or registered trademarks of EveryCalc. You may not use these marks without our prior written permission. All other trademarks appearing on the Site are the property of their respective owners.

5.4 User-Generated Content

If you submit any feedback, suggestions, comments, or ideas to us ("User Submissions"):

• You grant us a perpetual, worldwide, royalty-free license to use such submissions
• We are not obligated to keep User Submissions confidential
• We may use User Submissions for any purpose without compensation to you
• You represent that you own the rights to any User Submissions

5.5 DMCA Compliance

If you believe any content on our Site infringes your copyright, please contact us at support@everycalc.site with:

• Identification of the copyrighted work
• Location of the infringing material on our Site
• Your contact information
• A statement of good faith belief
• Your signature (physical or electronic)

6.1 No Warranty of Accuracy

We do NOT warrant that:

• ❌ Calculator results are accurate, complete, reliable, or error-free
• ❌ The Service will meet your specific requirements or expectations
• ❌ The Service will be uninterrupted, timely, secure, or free from errors
• ❌ Any defects or errors will be corrected
• ❌ The Site is free from viruses or other harmful components

6.2 No Financial Warranty

Specifically regarding financial calculators:

• Results are estimates and should not be considered financial advice
• Actual outcomes may differ significantly from calculated results
• We do not guarantee any financial outcomes or returns
• Tax calculations may not reflect current laws or your specific situation
• Investment calculators do not predict actual market performance

6.3 No Medical Warranty

Regarding health and medical calculators:

• Results are NOT medical diagnoses or health advice
• Calculators are for informational and educational purposes only
• We are not medical professionals and do not provide medical services
• Always consult qualified healthcare professionals for medical concerns

6.4 Third-Party Content

We disclaim all responsibility for:

• Content, accuracy, or availability of third-party websites
• Products, services, or information offered by third parties
• Actions or policies of linked external sites

6.5 Changes to Formulas

Calculator formulas, methodologies, and algorithms may be updated or changed at any time without notice. We do not guarantee consistency of results over time.

USE OF THE SERVICE IS AT YOUR OWN RISK. YOU ASSUME FULL RESPONSIBILITY FOR ANY DECISIONS MADE BASED ON INFORMATION OR RESULTS FROM OUR CALCULATORS.

7.1 No Liability for Damages

We shall not be liable for:

• Direct Damages: Loss of data, profits, revenue, or business opportunities
• Indirect Damages: Consequential, incidental, special, or punitive damages
• Financial Losses: Investment losses, tax penalties, or financial decisions based on calculator results
• Personal Injury: Physical or emotional harm resulting from use of health calculators
• Business Interruption: Loss of business or interruption of operations
• Data Loss: Loss or corruption of data or information
• Third-Party Claims: Claims by third parties related to your use of the Service

7.2 Maximum Liability

In jurisdictions that do not allow the exclusion or limitation of liability, our total aggregate liability to you for all claims arising from or related to the Service shall not exceed ₹1,000 (One Thousand Indian Rupees).

7.3 Basis of the Bargain

You acknowledge that:

• The Service is provided free of charge
• These limitations of liability are fundamental elements of the agreement
• We would not provide the Service without these limitations
• These limitations apply even if we were advised of the possibility of damages

7.4 Force Majeure

We shall not be liable for any failure or delay in performance due to events beyond our reasonable control, including:

• Natural disasters (earthquakes, floods, storms)
• Acts of war, terrorism, or civil unrest
• Government actions, orders, or regulations
• Internet service disruptions or cyber attacks
• Power outages or telecommunication failures
• Pandemics, epidemics, or public health emergencies

8.1 Your Indemnification Obligations

You agree to indemnify, defend, and hold harmless EveryCalc, its owners, operators, employees, agents, partners, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses (including reasonable attorneys' fees) arising from or related to:

• Your Use: Your access to or use of the Service
• Violation of Terms: Your breach of these Terms or any applicable law
• Infringement: Your violation of any intellectual property or other rights of third parties
• User Data: Any claim related to information you input into our calculators
• Decisions: Any decisions or actions you take based on calculator results
• Misrepresentation: Any false or misleading information you provide
• Third-Party Claims: Claims by third parties arising from your use of the Service

8.2 Defense and Settlement

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate with our defense of such claims.

8.3 Examples of Indemnifiable Claims

• If you make investment decisions based on our calculator and suffer losses, you cannot hold us liable
• If you violate copyright by copying our calculator code and face legal action
• If you use our health calculators and make medical decisions that result in harm
• If you use automated bots that damage our servers or violate applicable laws

You expressly agree NOT to engage in any of the following prohibited activities:

9.1 Illegal Activities

• ❌ Using the Service for any unlawful purpose or in violation of any laws
• ❌ Engaging in fraudulent, deceptive, or misleading conduct
• ❌ Money laundering or financing illegal activities
• ❌ Tax evasion or assisting others in illegal financial activities

9.2 Security Violations

• ❌ Attempting to gain unauthorized access to the Service or related systems
• ❌ Hacking, cracking, or circumventing security measures
• ❌ Introducing viruses, malware, or harmful code
• ❌ Conducting security vulnerability scans without permission
• ❌ Intercepting or monitoring data not intended for you

9.3 Misuse of Service

• ❌ Using automated systems (bots, scrapers, spiders) to access the Service
• ❌ Overloading, flooding, or impairing the Service (DDoS attacks)
• ❌ Reverse engineering or decompiling our calculator algorithms
• ❌ Removing or modifying copyright notices or proprietary markings
• ❌ Framing or mirroring the Site without written permission

9.4 Content Violations

• ❌ Submitting false, inaccurate, or misleading information
• ❌ Posting spam, advertisements, or promotional content
• ❌ Uploading obscene, offensive, or inappropriate content
• ❌ Harassing, threatening, or abusing other users or our staff

9.5 Intellectual Property Violations

• ❌ Copying, reproducing, or distributing our content without permission
• ❌ Creating derivative works or competing services based on our calculators
• ❌ Infringing on our trademarks, copyrights, or other IP rights
• ❌ Claiming ownership of our content or passing it off as your own

10.1 Termination by You

You may stop using the Service at any time. Since we do not require registration, simply discontinue accessing the Site.

10.2 Termination by Us

We reserve the right to:

• Suspend or terminate your access to the Service immediately, without notice
• Block your IP address or device from accessing the Site
• Remove any content you have submitted
• Take legal action for violations of these Terms

10.3 Grounds for Termination

We may terminate your access if:

• You violate these Terms or our Privacy Policy
• You engage in prohibited conduct (Section 9)
• You pose a security risk to the Service or other users
• We receive legal orders or court directives
• We decide to discontinue the Service
• Your use negatively impacts server performance or other users

10.4 Effect of Termination

Upon termination:

• Your right to use the Service immediately ceases
• All provisions of these Terms that should survive termination will remain in effect (including disclaimers, limitations of liability, and indemnification)
• We are not obligated to refund any fees (if applicable in the future)
• We may retain backup copies of your data as required by law

10.5 No Liability for Termination

We shall not be liable to you or any third party for any termination of your access to the Service.

11.1 Governing Law

These Terms and your use of the Service shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Applicable Indian laws include but are not limited to:

• Information Technology Act, 2000 and its amendments
• Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021
• Indian Contract Act, 1872
• Consumer Protection Act, 2019
• Copyright Act, 1957
• Indian Penal Code, 1860
• Trade Marks Act, 1999

11.2 Jurisdiction

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts located in [Your City, Your State], India.

You hereby irrevocably consent to the exclusive jurisdiction and venue of such courts and waive any objection to such jurisdiction or venue.

11.3 Language

These Terms are written in English. In case of any translation to other languages, the English version shall prevail in case of any discrepancy or inconsistency.

11.4 Compliance with Indian Laws

We operate this Service in compliance with Indian laws and regulations. Users accessing the Service from outside India do so at their own risk and are responsible for compliance with their local laws.

12.1 Informal Resolution

Before initiating any legal proceedings, you agree to first attempt to resolve any dispute informally by contacting us at support@everycalc.site with a detailed description of the dispute.

We will attempt to resolve the dispute within 30 days of receiving your notice.

12.2 Grievance Redressal

In accordance with the Information Technology Act, 2000 and IT Rules, 2021, we have appointed a Grievance Officer to address your concerns:

12.3 Arbitration

If informal resolution fails, any dispute shall be resolved through binding arbitration under the Arbitration and Conciliation Act, 1996.

Arbitration terms:

• Location: Arbitration shall be conducted in [Your City, India]
• Language: English
• Number of Arbitrators: One (1) arbitrator mutually agreed upon
• Rules: Indian Arbitration and Conciliation Act, 1996
• Award: The arbitrator's decision shall be final and binding

12.4 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

12.5 Consumer Protection

Nothing in these Terms shall affect your statutory rights as a consumer under the Consumer Protection Act, 2019, or other applicable Indian consumer protection laws.

13.1 Right to Modify

We reserve the right to modify, amend, or update these Terms at any time, at our sole discretion, to reflect:

• Changes in our Service or features
• Changes in applicable laws or regulations
• Changes in our business practices
• Security or technical requirements
• User feedback or operational needs

13.2 Notification of Changes

When we make material changes to these Terms, we will:

• Update the "Last Updated" date at the top of this page
• Display a prominent notice on our Site
• Notify users via email (if we have your email address)
• Provide at least 15 days' notice before changes take effect

13.3 Acceptance of Changes

Your continued use of the Service after the effective date of any changes constitutes your acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Service.

13.4 Version History

We maintain a version history of these Terms. You may request previous versions by contacting us at support@everycalc.site.

If you have any questions, concerns, or comments about these Terms, please contact us:

Additional Legal Information

• Service Provider: EveryCalc
• Nature of Business: Online Calculator Services
• Country of Operation: India
• Compliance: Information Technology Act, 2000 and applicable Indian laws

Miscellaneous

Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and EveryCalc regarding the Service.

Waiver: Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

Assignment: You may not assign or transfer these Terms or your rights hereunder without our written consent. We may assign these Terms without restriction.

Headings: The section headings are for convenience only and have no legal or contractual effect.

By using EveryCalc, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. Thank you for using our Service responsibly!