Terms of Use

1. Acceptance of these terms

These Terms of Use ("Terms") govern your access to and use of Instant Calc Hub at instantcalchub.com (the "Site"), including all calculators, tools, pages and content on it. By accessing or using the Site, you agree to be bound by these Terms, our Privacy Policy and our Disclaimer. If you do not agree, please do not use the Site.

2. Who may use the Site

The Site is intended for general audiences. If you are under 18, please use it with the guidance of a parent or guardian. You must be able to form a binding agreement under the laws that apply to you in order to accept these Terms.

3. What we provide

The Site offers free online calculators and related information covering finance, health, math, and dates and time. We may add, change, suspend or remove any calculator or feature at any time, with or without notice.

4. Your permitted use

You may use the Site and its calculators for your own personal, non-commercial purposes, and for ordinary everyday and business calculations. You may link to any page on the Site.

5. What you must not do

When using the Site, you agree not to:

• use the Site for anything unlawful, fraudulent or harmful;
• attempt to gain unauthorised access to the Site, its servers or any connected systems;
• introduce viruses, malware or any code intended to disrupt or damage the Site;
• overload the Site or interfere with its normal operation, including through automated requests;
• scrape, copy or harvest content, data or code from the Site in bulk using bots or similar tools;
• copy, republish, sell or redistribute the Site's content, design or code without our written permission;
• falsely suggest that we endorse you, your products or your services;
• click on advertisements artificially or encourage others to do so.

6. Intellectual property

Unless stated otherwise, the Site and everything on it, including its design, layout, text, graphics, logo, calculator code and compilation, belongs to us or our licensors and is protected by copyright and other intellectual property laws. Mathematical formulas and facts themselves are not owned by anyone, but our way of presenting and explaining them is. Except for the use permitted in section 4, you may not reproduce or use our content without our prior written permission.

7. Calculator results are not advice

The calculators give estimates based on the information you enter and on standard formulas. They are for information and planning purposes only.

8. Messages you send us

If you send us a message, feedback or a suggestion, you confirm that the content is lawful and does not infringe anyone else's rights. You allow us to use your feedback and ideas to improve the Site without any obligation to pay or credit you. How we handle your personal details is explained in our Privacy Policy.

9. Third-party links and advertising

The Site may contain links to third-party websites and may display third-party advertising. We do not control or endorse them and are not responsible for their content, products, services or privacy practices. Your dealings with any third party are between you and that third party.

10. Availability of the Site

We try to keep the Site available and working, but we do not promise that it will be uninterrupted, error-free or free of harmful components. The Site may be unavailable from time to time for maintenance, updates or reasons beyond our control.

11. Disclaimer of warranties

The Site and all calculators are provided "as is" and "as available", without warranties of any kind, whether express or implied, including any warranty of accuracy, completeness, reliability, merchantability, fitness for a particular purpose or non-infringement, to the extent permitted by law.

12. Limitation of liability

To the fullest extent permitted by law, we and our owner, contributors and service providers will not be liable for any direct, indirect, incidental, special or consequential loss or damage, including financial loss, loss of profit, loss of data or any decision made, arising from your use of, or inability to use, the Site or from reliance on any result or content. Nothing in these Terms limits any liability that cannot be limited under applicable law.

13. Indemnity

You agree to be responsible for, and to hold us harmless from, any claims, losses or expenses arising from your breach of these Terms or your misuse of the Site, to the extent permitted by law.

14. Suspension and blocking

We may restrict, suspend or block access to the Site for anyone who we reasonably believe has broken these Terms or is misusing the Site, without notice.

15. Changes to these Terms

We may update these Terms from time to time. The date at the top of this page shows when they were last updated. Your continued use of the Site after a change means you accept the updated Terms, so please check this page now and then.

16. Governing law

These Terms are governed by the laws of India. Any dispute relating to these Terms or the Site will be subject to the jurisdiction of the courts in India, unless the law that applies to you says otherwise.

17. General

If any part of these Terms is found to be unenforceable, the rest will stay in effect. Our failure to enforce any right does not mean we give it up. These Terms, together with the Privacy Policy and Disclaimer, are the whole agreement between you and us about the use of the Site.

18. Contact us

If you have any questions about these Terms, please contact us.