Welcome to Toolwala.in. By accessing and using our website, you accept and agree to be bound by the following terms and conditions. If you do not agree with any part of these terms, please do not use our website.

1. Use of Website

You agree to use Toolwala.in only for lawful purposes in accordance with these Terms and all applicable laws and regulations.

• You must not use this website in any way that causes, or may cause, damage to the site or impairment of its availability or accessibility.
• Prohibited uses include any activity involving malicious software, unauthorized access attempts, or any form of digital attack.
• Commercial use of our calculators requires prior written permission from Toolwala.in.

2. Intellectual Property Rights

All content, including financial calculators, tools, code, designs, and text on Toolwala.in is protected by intellectual property laws:

• The visual interfaces, graphics, design, compilation, and all other elements of the Service are owned by Toolwala.in
• You may not copy, reproduce, distribute, modify, create derivative works of, or publicly display any content without our prior written permission.
• All trademarks, service marks, and trade names are proprietary to Toolwala.in

3. Limitation of Liability

Toolwala.in provides financial calculators for informational purposes only:

• We make no guarantees about the accuracy, completeness, or usefulness of any calculations.
• We are not liable for any financial decisions made based on our tools' outputs.
• The site is provided on an "as-is" and "as-available" basis without warranties of any kind.

4. Third-Party Services

Our website integrates with several third-party services:

• Google AdSense for advertising
• Google Analytics for website traffic analysis
• Other financial data APIs for real-time calculations

These services operate under their own privacy policies and terms. Toolwala.in is not responsible for their data collection practices.

5. Changes to These Terms

We reserve the right to modify these Terms & Conditions:

• Changes will be posted on this page with an updated "Last Updated" date
• Continued use of Toolwala.in after changes constitutes acceptance of the new terms
• We recommend reviewing this page periodically for updates

6. Governing Law

These terms shall be governed by and construed in accordance with the laws of India. Any disputes relating to these terms will be subject to the exclusive jurisdiction of the courts of India.