Terms & Conditions

Acceptance of Terms

By visiting, browsing, or using any part of LoanCalculate.in (hereinafter referred to as "the Website", "we", "us", or "our"), you acknowledge that you have read and agree to comply with these Terms & Conditions, along with our Privacy Policy and any other policies posted on this website.

If you do not agree to any part of these terms, please discontinue use of this website immediately. Your continued use of the website following any updates to these terms shall constitute your acceptance of those changes.

About This Website

LoanCalculate.in is a free, independent informational platform dedicated exclusively to loan-related content in India. We provide:

• Free online loan calculators (EMI, home loan, car loan, personal loan, education loan, and more)
• Loan comparison guides and articles in Hindi and English
• Educational content about Indian banking, RBI guidelines, and loan processes
• General financial literacy resources for Indian borrowers

LoanCalculate.in is part of the InvestKnow ecosystem, founded by Lakhan Lal Shakya and operated by Team Ikai, based in Etawah, Uttar Pradesh, India.

Financial Disclaimer — Important

LoanCalculate.in is not a registered financial advisor, investment advisor, broker, or any other licensed financial professional under SEBI, RBI, or any other Indian or international regulatory authority.

You should always:

• Consult a qualified and certified financial advisor before making any borrowing decisions
• Verify all loan terms, interest rates, and conditions directly with the lender
• Read all loan agreements carefully before signing
• Not rely solely on our calculators for final loan decisions
• Check the latest RBI guidelines for current and applicable regulations

Any financial decisions made based on information found on LoanCalculate.in are made entirely at your own risk and sole discretion.

Calculator Accuracy & Limitations

Our loan calculators are designed using standard financial formulas widely used by Indian banks and financial institutions. However, please note the following important limitations:

While we strive to keep our calculators accurate and up to date, LoanCalculate.in makes no warranty, express or implied, regarding the completeness or fitness for a particular purpose of any calculator result. Always confirm final figures directly with your bank or NBFC.

Content Usage & Permitted Use

All content on LoanCalculate.in — including articles, guides, calculator tools, images, Hindi/English text, graphics, and page layouts — is published for personal, non-commercial, informational use only.

Permitted Uses:

• Viewing and reading content for personal financial education
• Using calculators for personal loan planning purposes
• Sharing links to our pages on social media or messaging apps
• Referencing our content in research with proper attribution and a link back

Prohibited Uses:

• Reproducing, copying, or republishing our content without prior written permission
• Scraping, crawling, or data-mining our website in an automated manner
• Using our content for commercial purposes without prior written approval
• Framing our website within another website without our permission
• Distributing our Hindi or English articles as your own work
• Copying or reusing our calculator code, design, logic, or interface

Intellectual Property Rights

All original content, calculators, design elements, graphics, logos, Hindi and English text, and software tools on LoanCalculate.in are the exclusive intellectual property of LoanCalculate.in and its owner Lakhan Lal Shakya, unless otherwise credited.

This includes all written articles in Hindi and English, calculator logic and interfaces, page layouts and visual design, the brand name "LoanCalculate.in", and all multimedia content produced by Team Ikai.

Unauthorized reproduction, distribution, modification, or public display of any proprietary content is strictly prohibited and may result in legal action under the Copyright Act, 1957 (India) and other applicable intellectual property laws.

User Conduct

By using LoanCalculate.in, you agree to use the website lawfully and responsibly. You agree that you will NOT:

• Attempt to gain unauthorized access to any part of our website or server infrastructure
• Introduce viruses, malware, spyware, or any other harmful or disruptive code
• Use bots, spiders, or automated tools to scrape or manipulate the website
• Conduct any activity that interferes with the website's normal operation or user experience
• Post or transmit defamatory, offensive, or unlawful content via any contact form
• Misrepresent your identity or impersonate LoanCalculate.in, its team, or its affiliates
• Use our website in violation of any applicable Indian or international law or regulation

We reserve the right to restrict or block access to any user or IP address that we reasonably believe is violating these terms or disrupting our services.

Third-Party Links & Partner Websites

LoanCalculate.in may contain links to third-party websites, including our partner sites such as InvestKnow.io, GlobalMarketToday.in, Mausam24.in, PublicCentral.in, AajKaMosam.in, and Revealing.in, as well as external financial institutions, RBI portals, and reference sources.

These links are provided for your convenience and informational purposes only. LoanCalculate.in:

• Does not endorse or take responsibility for the content of any third-party website
• Has no control over the privacy practices or terms of external sites
• Is not liable for any damages or losses arising from your use of third-party websites
• Does not guarantee the accuracy or continued availability of any linked external content

We recommend reviewing the terms and privacy policies of any third-party website you visit through our links.

Privacy Policy Reference

Your use of LoanCalculate.in is also governed by our Privacy Policy, which is incorporated into these Terms & Conditions by reference. Our Privacy Policy explains:

• What data we collect (if any) and why
• How we use and protect your information
• Your rights under Indian data protection laws
• How we handle cookies, analytics, and tracking technologies

By using this website, you also consent to the data practices described in our Privacy Policy. We encourage you to read the Privacy Policy available on our website.

Cookies, Analytics & Advertising

LoanCalculate.in uses cookies and similar tracking technologies to improve user experience, monitor website performance, and serve relevant advertisements. Specifically:

• Google Analytics: We use Google Analytics to understand how visitors interact with our website. This collects anonymised usage data to help us improve content.
• Google AdSense: We display advertisements served by Google AdSense. Google may use cookies to show personalized ads based on your prior visits to this and other websites.
• Functional Cookies: Used to remember user preferences and improve overall website functionality.

You may opt out of personalized Google advertising by visiting Google Ad Settings. You can also manage or disable cookies through your browser settings, though doing so may affect some website features.

Limitation of Liability

To the fullest extent permitted by applicable law, LoanCalculate.in, its owner Lakhan Lal Shakya, and Team Ikai shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use this website or its calculators
• Any errors, omissions, or inaccuracies in our content or calculator results
• Financial losses resulting from reliance on our tools, calculators, or articles
• Unauthorized access to or alteration of your data or transmissions
• Technical issues, downtime, or interruptions to website availability
• Actions taken by you based on information or results obtained from this website

The website is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Indemnification

You agree to indemnify, defend, and hold harmless LoanCalculate.in, its owner Lakhan Lal Shakya, Team Ikai, and all associated partners and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your violation of any provision of these Terms & Conditions
• Your misuse of the website, its content, or its tools
• Your violation of any applicable law or regulation
• Any content or material you submit to us through contact forms or other communication channels

Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of the Republic of India. Any disputes arising out of or in connection with these terms or your use of LoanCalculate.in shall be subject to the exclusive jurisdiction of the courts located in Etawah, Uttar Pradesh, India.

If any provision of these Terms & Conditions is found to be invalid or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

Changes to These Terms

LoanCalculate.in reserves the right to modify, update, or replace any part of these Terms & Conditions at any time, at our sole discretion. Changes will be effective immediately upon posting the updated terms on this page, with a revised "Last Updated" date shown at the top.

It is your responsibility to review this page periodically for any changes. Your continued use of the website after any changes are posted constitutes your acceptance of the revised terms. We recommend bookmarking this page for easy access.

Hindi & English Content

LoanCalculate.in provides content in both Hindi (हिन्दी) and English. In the event of any discrepancy between the Hindi and English versions of any content, article, or these Terms & Conditions, the English version shall prevail for all legal and interpretive purposes.

We make every effort to ensure accuracy and consistency across both languages. However, translations may occasionally contain minor variations. If you notice any inconsistency between language versions, please contact us at hi.investknow@gmail.com.

Contact Us

If you have any questions, concerns, or requests regarding these Terms & Conditions, please reach out to us. We aim to respond to all inquiries within 2–3 business days.