Terms and Conditions

1. Acceptance of Terms

By accessing and using the EMI Calculator website (the "Site"), you accept and agree to be bound by and comply with these Terms and Conditions. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information, software, and documents) on EMI Calculator for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modifying or copying the materials
• Using the materials for any commercial purpose or for any public display (commercial or non-commercial)
• Attempting to decompile or reverse engineer any software contained on the Site
• Removing any copyright or other proprietary notations from the materials
• Transferring the materials to another person or "mirroring" the materials on any other server
• Attempting to gain unauthorized access to any portion or feature of the Site, or any other systems or networks connected to the Site

3. Disclaimer of Warranties

The materials on EMI Calculator are provided on an 'as is' basis. EMI Calculator makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

4. Limitations of Liability

In no event shall EMI Calculator or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on EMI Calculator, even if EMI Calculator or an authorized representative has been notified orally or in writing of the possibility of such damage.

5. Accuracy of Materials

The materials appearing on EMI Calculator could include technical, typographical, or photographic errors. EMI Calculator does not warrant that any of the materials on its website are accurate, complete, or current. EMI Calculator may make changes to the materials contained on its website at any time without notice.

Important Note: While the EMI Calculator strives to provide accurate calculations, the results are for informational and educational purposes only. The calculations provided should not be considered as financial advice or a guarantee of actual loan terms. Actual EMI amounts may vary based on:

• Loan processing fees and other charges
• Prepayment penalties or benefits
• Variable interest rates
• Actual lender policies and practices

Always consult with your lender or financial advisor for exact EMI calculations and terms.

6. Materials and Content

EMI Calculator has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by EMI Calculator of the site. Use of any such linked website is at the user's own risk.

7. Modifications

EMI Calculator may revise these terms of service for its website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these terms of service.

8. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of [Your Jurisdiction], and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

9. Prohibited Conduct

You agree not to engage in any of the following prohibited activities:

• Harassing or causing distress or inconvenience to any person
• Transmitting obscene or abusive messages
• Disrupting the normal flow of dialogue within our Site
• Attempting to gain unauthorized access to our systems
• Using automated tools (bots, scrapers) to extract data from the Site
• Attempting to interfere with the functioning of the Site
• Reverse engineering, decompiling, or attempting to discover source code

10. User-Generated Content

If you submit calculator inputs, share links, or otherwise provide information to EMI Calculator, you retain all rights to your content. However, by using the Site, you grant EMI Calculator a non-exclusive, royalty-free, worldwide license to use such content for improving our services and analytics purposes.

11. Limitation of Liability for Loan Decisions

DISCLAIMER: The EMI Calculator provides estimates and projections for informational purposes only. EMI Calculator is not a financial advisor and does not provide financial advice. Your use of the calculator and reliance on its outputs for loan decisions is entirely at your own risk. EMI Calculator shall not be liable for:

• Any financial loss or damage resulting from your reliance on calculator results
• Discrepancies between calculated EMI and actual lender EMI
• Changes in interest rates or loan terms after calculation
• Any decision to take or not take a loan based on calculator results

Always consult with qualified financial advisors and lenders before making loan decisions.

12. Intellectual Property Rights

All content on the Site, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of EMI Calculator or its content suppliers and is protected by international copyright laws. The compilation of all content on the Site is the exclusive property of EMI Calculator and is protected by international copyright laws.

13. Third-Party Links and Services

Our Site may contain links to third-party websites and services. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is governed by their terms and conditions.

14. Severability

If any provision of these Terms and Conditions is deemed unlawful, void, or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable while maintaining the intent of the provision, or if such modification is not possible, the provision will be severed, and the remaining provisions will remain in full force and effect.

15. Contact Information

If you have questions or concerns about these Terms and Conditions, please contact us at:

• Email: support@realemicalculator.com
• Address: EMI Calculator
• Website: www.realemicalculator.com