Terms of Use
Please read these terms carefully before using our services.
1. Platform Ownership
Calculate Smartly is owned by Celestiq Insights OPC Pvt. Ltd., Karnataka, India.
You must be at least 16 years old to use this service.
2. Acceptance
Using our site constitutes acceptance of these terms. We may modify these terms at any time.
3. Service Description
We provide free online financial calculators and educational tools. Services are provided "as is" without charge.
4. Educational Only
Our tools provide estimates. We are not financial advisors. Consult professionals for decisions.
5. Acceptable Use
- Personal planning
- Educational research
6. Intellectual Property
All content, code, and designs are property of Celestiq Insights OPC Pvt. Ltd.. You may quote brief excerpts with attribution, but substantial reproduction requires permission.
7. Data & Privacy
Calculator inputs are processed locally. We do not store your financial data.
Read Privacy Policy8. Third-Party Ads
We display ads via Google AdSense. We are not responsible for third-party advertiser content.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW: Celestiq Insights OPC Pvt. Ltd. shall NOT be liable for any indirect or consequential damages.
Total liability limited to USD $50.
10. Warranty Disclaimer
Provided "AS IS" without warranties of any kind.
11. Indemnification
You agree to indemnify us against claims from your use.
12. Governing Law
Karnataka, India. Exclusive jurisdiction in Bengaluru.
13. Severability
Invalid provisions do not affect remaining terms.