Calcganit Disclaimers

General Disclaimer

Information Purpose Only: All content, tools, and information on Calcganit are provided for general informational and educational purposes only. This website does not constitute professional financial, legal, tax, or investment advice.

No Professional Relationship: Use of this website does not create any advisor-client relationship between you and Calcganit. We are not licensed financial advisors, chartered accountants, or investment consultants.

Consult Professionals: Before making any financial decisions, please consult with qualified professionals including chartered accountants, financial advisors, tax consultants, or legal experts as appropriate for your situation.

Your Responsibility: You are solely responsible for your financial decisions. Any action you take based on information from this website is strictly at your own risk and discretion.

Calculator Accuracy & Results Disclaimer

Indicative Results Only: All calculator results on Calcganit are indicative and for estimation purposes only. Actual results may vary significantly based on various factors including but not limited to market conditions, institutional policies, regulatory changes, and individual circumstances.

No Guarantee of Accuracy: While we strive to ensure accuracy, we do not warrant or guarantee that our calculators are error-free, complete, or current. Calculation methods may be simplified for ease of understanding and may not reflect complex real-world scenarios.

Verification Required: Users must verify all calculations independently and with relevant financial institutions or professionals before making any decisions. Do not rely solely on our calculator results.

Formula Limitations: Our calculators use standard mathematical formulas which may not account for all variables, fees, charges, taxes, or specific terms that may apply to your particular situation.

Regular Updates: We attempt to keep our calculators updated with current rates and regulations, but cannot guarantee real-time accuracy. Interest rates, tax slabs, and other parameters change frequently and may not be immediately reflected in our calculators.

Investment & Market Risk Disclaimer

Mutual Fund Disclaimer: Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. The NAV of mutual fund schemes may go up or down depending upon the factors and forces affecting securities markets. Past performance may or may not be sustained in future.

SIP Calculations: SIP (Systematic Investment Plan) calculations assume constant returns, which do not reflect real market conditions. Actual returns will vary based on market performance, fund management quality, expense ratios, and economic factors.

No Investment Advice: Calcganit does not recommend any specific investment products, mutual funds, stocks, or investment strategies. Our calculators are estimation tools only and should not be construed as investment advice.

SEBI Compliance: We are not registered with SEBI (Securities and Exchange Board of India) as investment advisors or research analysts. For investment advice, please consult SEBI-registered investment advisors.

Tax Implications: Investment calculations may not account for tax implications, which can significantly affect actual returns. Tax treatment depends on individual circumstances and may change in future. Consult tax professionals for advice on tax planning.

Loan & EMI Calculator Disclaimer

Indicative EMI Only: Loan EMI calculations are estimates based on standard formulas. Actual EMI amounts may differ based on the lender's specific terms, processing fees, insurance premiums, and other charges not included in basic calculations.

Bank Terms Vary: Different banks and financial institutions have varying interest rates, processing fees, prepayment charges, foreclosure terms, and loan conditions that are not reflected in our simplified calculations.

Eligibility Not Guaranteed: Calculator results do not imply loan approval or eligibility. Actual loan approval depends on credit score, income verification, employment status, property valuation, and individual lender policies.

Interest Rate Changes: For floating rate loans, interest rates may change during the loan tenure based on RBI policy rates and bank decisions, affecting EMI amounts. Our calculators typically assume constant rates.

Additional Costs: Loan calculations may not include processing fees, administrative charges, legal fees, insurance premiums, stamp duty, registration charges, and other associated costs that add to the total loan cost.

Prepayment & Foreclosure: Calculators do not account for prepayment options, part-payments, step-up/step-down EMIs, or foreclosure charges that may significantly affect total interest payable.

Tax Calculator Disclaimer

Tax Law Complexity: Indian tax laws are highly complex and subject to frequent changes. Our tax calculators provide basic estimates and may not account for all applicable deductions, exemptions, special provisions, or recent amendments.

Professional Tax Advice Required: Tax calculations are for educational purposes only and should not replace professional tax planning advice. Always consult qualified chartered accountants or tax consultants for accurate tax planning and compliance.

Current Tax Year Basis: Tax calculators are based on prevailing tax slabs for the specified financial year and may not reflect mid-year changes, budget updates, or recent notifications. Always verify current tax rates and provisions.

Individual Circumstances: Tax liability depends on numerous individual factors including income sources, residential status, age, applicable deductions, investments, and other circumstances not captured in basic calculations.

State Tax Variations: Calculations may not account for state-specific taxes, professional tax, local levies, or special tax regimes that may be applicable in certain states or situations.

Compliance Responsibility: Users are solely responsible for tax compliance, accurate filing of returns, and timely payment of taxes as per applicable laws. Calcganit is not responsible for any tax-related penalties, interest, or legal issues.

GST Calculator Disclaimer

GST Rate Accuracy: GST rates are subject to frequent changes based on government notifications and GST Council decisions. While we strive to maintain current rates, users must independently verify applicable GST rates for specific goods or services.

Product Classification: GST rates depend on correct classification of goods and services under HSN (Harmonized System of Nomenclature) and SAC (Service Accounting Code) codes. Our calculator provides basic calculations and may not reflect complex classification scenarios or recent changes.

State and Scheme Variations: GST calculations assume standard CGST, SGST, and IGST rates. Special economic zones, composition schemes, reverse charge mechanisms, or state-specific variations may not be accurately reflected.

Input Tax Credit: Calculations do not account for input tax credit (ITC) eligibility, ITC restrictions, blocked credits, or reversal scenarios which can significantly impact net GST liability.

Professional GST Consultation: For GST registration, return filing, complex compliance scenarios, and business-specific advice, consult qualified GST practitioners, chartered accountants, or tax consultants.

Health Calculator Disclaimer

Consult Healthcare Professionals: Always consult qualified healthcare professionals, doctors, registered dietitians, or certified fitness trainers before making any health, diet, exercise, or lifestyle decisions based on calculator results.

Individual Health Variations: Health calculations use standard formulas that may not account for individual health conditions, medical history, medications, genetic factors, age-related changes, or other personal health circumstances.

BMI Limitations: BMI (Body Mass Index) calculations do not distinguish between muscle mass and body fat, may not be accurate for athletes, bodybuilders, elderly individuals, children, pregnant women, or certain ethnic groups with different body compositions.

Calorie and Nutrition Calculations: Calorie and nutrition calculations are estimates based on general formulas. Actual caloric needs and nutritional requirements vary significantly based on metabolism, activity levels, health conditions, age, gender, and individual physiological factors.

No Liability for Health Decisions: Calcganit explicitly disclaims all liability for any health-related decisions, injuries, or adverse health outcomes resulting from reliance on calculator results or health information provided on this website.

Limitation of Liability

No Financial Liability: Under no circumstances shall Calcganit, its owners, operators, employees, affiliates, or service providers be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to the use of this website, reliance on calculator results, or any information provided herein.

Maximum Liability Cap: Our total liability, if any exists, shall not exceed the total amount you have paid to access our services (which is currently zero rupees for our free services).

Force Majeure: We are not liable for any failure, delay, or interruption in performance due to circumstances beyond our reasonable control, including but not limited to technical failures, internet outages, server problems, cyber attacks, or regulatory changes.

Data and Information Loss: We are not responsible for any loss, corruption, or unauthorized access to data, calculations, personal information, or any other information stored, transmitted, or processed through our website.

Third-Party Actions: We are not liable for actions, omissions, or policies of third-party websites, services, or entities that may be linked from our website or integrated with our services.

Independent Decision Making: Users explicitly acknowledge that all business, investment, financial, health, and personal decisions are made independently, voluntarily, and at their own risk and discretion.

Additional Legal Information

Governing Law: These disclaimers and your use of Calcganit are governed by Indian law and subject to the exclusive jurisdiction of courts in Haryana, India.

Severability: If any provision of these disclaimers is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

Updates and Modifications: Calcganit reserves the right to modify, update, or change these disclaimers at any time without prior notice. Continued use of the website after changes constitutes acceptance of updated terms.

Contact Information: For questions about these disclaimers or our services, please contact us at: anshvidyamentorship@gmail.com

Effective Date: These disclaimers are effective as of September 10, 2025, and were last updated on the same date.