Welcome to Toolwala.in. These Terms & Conditions explain the rules that apply when you access or use our website, calculators, tools, articles and related content. By using the website, you agree to these terms. If you do not agree with them, please do not use the website.

1. Use of the website

You may use Toolwala for lawful personal, educational and ordinary business purposes. You agree to use the website in a way that does not damage, disable, overload or interfere with the website or with another person's use of it.

• Do not attempt unauthorised access to the website or its systems.
• Do not upload or distribute malware, harmful code or illegal material.
• Do not use automated methods to copy, scrape or overload the website.
• Do not use calculator results to carry out unlawful or fraudulent activity.
• Do not misrepresent Toolwala or imply that Toolwala officially endorses your service.

2. Calculator results and accuracy

Toolwala aims to provide useful and understandable calculators, but results depend on the values entered, the formulas used and the assumptions described on each tool page. We do not promise that every result will always be complete, current, error-free or suitable for a particular purpose.

Interest rates, tax rules, GST rules, salary deductions, exchange rates, health guidance and other real-world information can change. Always confirm important figures using the relevant official source, provider, employer or qualified professional.

3. Financial, tax, medical and legal disclaimer

Toolwala does not provide personalised financial, investment, tax, medical or legal advice. A calculator result is an estimate and should not be treated as an official assessment, filing figure, diagnosis, treatment recommendation, loan approval or investment guarantee.

You are responsible for checking assumptions and obtaining professional advice before making an important decision. Toolwala is not responsible for losses or damage resulting from reliance on a calculator result or article.

4. Intellectual property

Original Toolwala-created text, calculator interfaces, code, graphics, page layouts and branding are owned by or licensed to Toolwala unless otherwise stated.

You may view and use the website for its intended purpose. You may not copy, reproduce, republish, sell, distribute, modify or create derivative works from Toolwala content without prior written permission, except where applicable law allows it.

Third-party fonts, libraries, icons, images and services remain subject to their own licences, notices and terms.

5. Third-party services and links

Toolwala may use third-party services for hosting, fonts, icons, analytics, advertising or external data. These services may process information according to their own privacy policies and terms. Toolwala is not responsible for the privacy practices, availability or content of third-party services.

Links to other websites are provided for convenience. A link does not mean that Toolwala guarantees or endorses the linked website, product, service or information.

6. Advertising

Toolwala may display advertisements from third-party advertising providers. Advertisements may use cookies or similar technologies according to the provider's policies and the choices available in your region.

Toolwala does not guarantee or endorse every product or service shown in an advertisement. Visitors should evaluate an advertised offer independently before taking action.

7. Privacy and cookies

Our Privacy Policy explains how information, cookies, analytics and advertising technologies may be handled on Toolwala. Please read it before using the website.

Some calculators may perform calculations directly in your browser. This does not mean that every website feature or third-party service is free from cookies or technical data collection.

8. Availability and changes

We may add, remove, update, suspend or discontinue any calculator, article, feature or part of the website without prior notice. We may also correct errors and update these terms when our services or legal requirements change.

The latest version of these Terms & Conditions will be published on this page. Continued use of Toolwala after an update means that you accept the revised terms.

9. Limitation of liability

To the extent permitted by applicable law, Toolwala and its owners, contributors and service providers will not be liable for indirect, incidental, special or consequential loss arising from your use of the website, inability to use the website or reliance on its calculators, content or linked services.

The website is provided on an “as available” and “as is” basis, without guarantees that it will be uninterrupted, secure or free from errors.

10. Governing law

These terms are governed by the applicable laws of India. Any dispute relating to the use of Toolwala will be subject to the jurisdiction of the competent courts in India, unless applicable law requires otherwise.