Terms of Service & Disclaimer

1. Acceptance of Terms

By accessing or using FinovaCalc at https://finova-calc.com (the "Site" or "Service"), you agree to be bound by these Terms of Service and Disclaimer ("Terms"). If you do not agree, please do not use the Site.

These Terms form a legally binding agreement between you and FinovaCalc. We may update these Terms from time to time; the "Last updated" date above will change when we do. Continued use after changes means you accept the revised Terms.

2. Description of Service

FinovaCalc provides free online financial calculators (including but not limited to EMI, SIP, mortgage, compound interest, ROI, retirement, budget, and related tools). The calculators are intended to help users perform basic mathematical estimates related to personal finance topics.

All calculations run entirely in your web browser. We do not store or process the numbers you enter. The Service is provided free of charge and may display third-party advertising.

3. Educational Purpose Only – Strong Financial Disclaimer

Past performance, sample scenarios, and illustrative calculations do not guarantee future results. Markets, interest rates, tax laws, fees, inflation, and personal circumstances can and do change.

4. No Warranty / Accuracy of Calculations

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of accuracy, reliability, merchantability, fitness for a particular purpose, or non-infringement.

While we aim to implement standard mathematical formulas correctly, we do not warrant that any calculation, result, chart, or explanation is free from errors, complete, or suitable for your specific needs. Results depend entirely on the accuracy of the inputs you provide and on simplified assumptions that may not match real-world products, fees, taxes, or lending criteria.

You are solely responsible for verifying any figure before relying on it.

5. Limitation of Liability

To the maximum extent permitted by applicable law, FinovaCalc and its owners, operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, goodwill, or other intangible losses, arising out of or related to:

• Your use of or inability to use the Site or any calculator
• Any decision you make based on results or content from the Site
• Errors, omissions, or inaccuracies in calculations or content
• Third-party advertisements, links, or services
• Unauthorized access to or alteration of your transmissions or data

Your use of the Site and reliance on any information is solely at your own risk.

6. User Responsibilities

You agree to:

• Use the Site only for lawful purposes and in accordance with these Terms
• Provide accurate inputs if you choose to use the calculators, understanding that results depend on those inputs
• Not rely on the Site as a substitute for professional advice when making important financial or legal decisions
• Not attempt to disrupt, overload, reverse-engineer, or misuse the Service or its security features

7. Intellectual Property

The Site, including its design, text, calculators, formulas as presented, graphics, logos, and other content, is owned by or licensed to FinovaCalc and is protected by copyright and other intellectual property laws. You may use the calculators for personal, non-commercial purposes. You may not copy, reproduce, redistribute, or create derivative works from our content for commercial purposes without prior written permission.

8. Prohibited Uses

You may not use the Site to:

• Violate any applicable law or regulation
• Infringe the rights of others
• Transmit malware, spam, or harmful code
• Scrape, harvest, or systematically extract data without permission
• Impersonate FinovaCalc or misrepresent your affiliation with us
• Interfere with the proper working of the Site

We reserve the right to restrict or terminate access for anyone who violates these Terms.

9. Third-Party Links and Ads

The Site may contain links to third-party websites and may display advertisements from third parties (including Google AdSense). We do not control and are not responsible for the content, privacy practices, or terms of those third parties. Your interactions with third-party sites or advertisers are solely between you and them.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Pakistan, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms or the Site shall be subject to the exclusive jurisdiction of the courts located in Faisalabad, Pakistan, unless applicable mandatory law provides otherwise.

11. Changes to Terms

We may modify these Terms at any time. Changes become effective when posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

12. Contact Information

If you have questions about these Terms of Service & Disclaimer, please contact us:

• Email: support@finova-calc.com
• Phone: +92 335 6471303
• Address: Bhutto Colony, Faisalabad, Pakistan

Please also review our Privacy Policy for information about how we handle data.