Terms of Use
Last updated: June 2026
These Terms of Use govern your access to and use of calcphi.com, operated by Black Belt Code Labs. By using this site, you agree to these terms in full.
1. Use of the Site
CalcPhi provides free financial calculators and educational content for personal, non-commercial use. You may use the calculators, read the articles, and share links to pages on this site for lawful purposes. You may not:
- Scrape, copy, or reproduce site content in bulk without written permission
- Use this site to provide commercial financial advisory services without attribution
- Attempt to interfere with the operation of the site or its infrastructure
- Misrepresent CalcPhi content as your own original work
2. No Financial Advice
All calculators and content on CalcPhi are for educational and estimation purposes only. Nothing on this site constitutes financial advice, investment advice, tax advice, or any other regulated financial service. Results are based solely on the inputs you provide and standard mathematical formulas.
CalcPhi does not know your personal financial situation, risk tolerance, tax position, or investment objectives. Before making any financial decision — including but not limited to investments, loans, insurance, and retirement planning — consult a qualified and regulated financial professional, such as a SEBI-registered investment advisor (for India).
3. Accuracy of Information
We make every effort to ensure that the formulas, rates, and regulatory figures published on CalcPhi are accurate and up to date. However, we do not warrant that all information is error-free, complete, or current at the time you access it. Tax slabs, interest rates, and government scheme rules change; while we update affected pages within 7 days of official notifications, there may be a lag.
Always verify critical figures — such as income tax slabs, EPF interest rates, PPF rates, or GST applicability — against official government sources (incometax.gov.in, epfindia.gov.in, cbic.gov.in, etc.) before relying on them for filing or financial decisions.
4. Intellectual Property
All content on calcphi.com — including calculator logic, article text, images, and design — is the intellectual property of Black Belt Code Labs unless otherwise stated. You may quote short excerpts with attribution and a link back to the original page. Reproduction of substantial portions of any page without permission is prohibited.
5. Third-Party Links
CalcPhi links to external websites — including regulatory bodies, government portals, and financial institutions — for reference. We do not control those sites and are not responsible for their content, accuracy, or availability. Links to external sites do not constitute endorsement.
6. Advertising & Affiliate Relationships
CalcPhi is funded through display advertising and, on certain pages, affiliate links to financial products. Where affiliate relationships exist, they are disclosed on the relevant page. Advertising and affiliate arrangements do not influence our editorial content, calculator formulas, or factual statements. We do not accept payment to favour any financial product in a comparison or recommendation.
7. Limitation of Liability
To the fullest extent permitted by applicable law, Black Belt Code Labs and CalcPhi shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of this site, reliance on any calculator result, or any decision made on the basis of content published here. Your use of this site is entirely at your own risk.
8. Privacy
Your use of this site is also governed by our Privacy Policy, which explains what data we collect, how it is used, and your rights. All calculator computations run entirely in your browser — no input data is transmitted to our servers.
9. Changes to These Terms
We may update these Terms of Use from time to time. The "Last updated" date at the top of this page will reflect any changes. Continued use of the site after an update constitutes acceptance of the revised terms.
10. Governing Law
These terms are governed by the laws of India. Any disputes arising from your use of this site shall be subject to the exclusive jurisdiction of the courts of India.
Contact
Questions about these terms? Reach us at support@blackbeltcodelabs.com or via our Contact page.