Terms & Conditions — Somurobo Calculator

1. Nature of Service

Somurobo Calculator provides free and paid online calculators covering finance, health, education, tax, utility, and trading categories. These tools are calculation and estimation aids only.

2. NOT FINANCIAL, INVESTMENT, LEGAL, TAX, OR MEDICAL ADVICE

This is the most important section — please read carefully.

• Somurobo Calculator is not a SEBI-registered Investment Adviser, not a licensed financial planner, not a chartered accountant/tax professional, and not a medical or healthcare provider.
• All calculators (including but not limited to EMI, SIP, DCF, WACC, Business Valuation, IRR, NPV, Tax, BMI, Medical Expense, and Trading P&L calculators) provide generic, formula-based estimates only, based on the inputs you provide.
• Results are for informational and educational purposes only and must not be treated as personalized financial, investment, tax, legal, or medical advice or recommendations.
• We do not guarantee the accuracy, completeness, or suitability of any calculation for your specific situation.
• We do not make any guaranteed-return, guaranteed-outcome, or guaranteed-savings claims about any investment, loan, insurance, or financial product.
• Before making any financial, investment, tax, legal, medical, or health-related decision, you must consult a qualified, licensed, and registered professional (e.g., a SEBI-registered Investment Adviser for investment advice, a chartered accountant for tax matters, or a licensed physician for health matters).

3. User Responsibility and Limitation of Liability

• Any decision you make — including but not limited to purchasing a loan, insurance policy, investment product, credit card, or any other product/service (whether discovered through this website, a linked affiliate/partner, or otherwise) — is made entirely at your own discretion and risk.
• Somurobo Calculator, its owner(s), operators, and affiliates shall not be held liable for any direct, indirect, incidental, consequential, or special loss or damage — financial, health-related, or otherwise — arising from: (a) your use of, or reliance on, any calculator or content on this website; (b) any decision or transaction you make based on results shown on this website; (c) your interaction with, or purchase from, any third-party company, service, or affiliate/partner linked from this website; (d) any inaccuracy, error, bug, or downtime in the calculators or website.
• To the maximum extent permitted by applicable law, our total liability to you for any claim arising out of your use of this website shall not exceed the amount (if any) you have paid us in the preceding 3 months, or ₹500, whichever is lower.

4. Third-Party Links and Affiliate Partners

• This website may contain links to third-party websites, products, or services, including affiliate/partner links (see our separate Affiliate Disclosure).
• We do not control, endorse, or take responsibility for the content, accuracy, products, services, pricing, or practices of any third-party website.
• Any transaction you enter into with a third party is solely between you and that third party. Somurobo Calculator is not a party to that transaction and bears no responsibility for it.

5. Free and Paid Services

• Some calculators are free; others require a Premium, Ultra, or Elite subscription/purchase.
• Paid tiers are processed via third-party payment gateways (primarily Cashfree; Gumroad and legacy PayU remain available as secondary/legacy options). Payment terms, refund policies, and transaction security for these gateways are governed by their own respective terms.
• We reserve the right to change pricing, tier features, or discontinue any calculator or feature at any time, with or without notice.

6. No Guaranteed Accuracy

While we strive to keep calculators accurate and up to date, formulas, tax rates, interest rates, and other inputs may change over time or vary by jurisdiction. We do not warrant that results will be error-free, current, or applicable to your specific circumstances.

7. Account and Data

• Some features require you to sign in via a magic-link (email-based) system.
• Your use of the website is also governed by our Privacy Policy, which explains what data we collect and how we use it.

8. Intellectual Property

All content, design, calculators, logic, branding, and code on this website are the property of Somurobo Calculator unless otherwise stated. See our separate Copyright & Intellectual Property Policy for details.

9. Prohibited Use

You agree not to:

• Use this website for any unlawful purpose.
• Attempt to reverse-engineer, scrape, or misuse the calculator logic or backend systems.
• Use automated bots to abuse free calculators or affiliate links.

10. Grievance Redressal

In accordance with the Consumer Protection (E-Commerce) Rules, 2020 and the Information Technology Act, 2000, if you have any complaint or grievance regarding this website, please contact:

• Grievance Officer: Ripunjay Prakash Bajpai
• Email: [email protected]
• Response Time: We aim to acknowledge grievances within 48 hours and resolve them within 30 days.

11. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts at Lucknow, Uttar Pradesh, India.

12. Changes to These Terms

We may update these Terms & Conditions from time to time. Continued use of the website after changes constitutes acceptance of the revised Terms. The "Last Updated" date at the top will reflect the latest revision.

13. Contact

For any questions about these Terms, contact us at [email protected].