Terms of Service

Effective Date: September 25, 2025

Last Updated: September 25, 2025

1. Agreement to Terms

By accessing and using Numera (https://numera-calculators.netlify.app), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Numera provides free online financial calculators including:

  • EMI (Equated Monthly Installment) Calculator
  • SIP (Systematic Investment Plan) Calculator
  • Income Tax Calculator
  • Scientific Calculator
  • Zakat Calculator
  • Other financial planning tools

All calculations are performed locally in your browser and are provided for educational and informational purposes only.

3. Use License

Permission is granted to temporarily access and use the materials on Numera's website 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:

  • Modify or copy the materials
  • Use the materials for any commercial purpose or for any public display (commercial or non-commercial)
  • Attempt to decompile or reverse engineer any software contained on the website
  • Remove any copyright or other proprietary notations from the materials

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Numera at any time.

4. Disclaimer of Warranties

IMPORTANT: The financial calculations provided by Numera are for informational and educational purposes only. While we strive for accuracy, we make no warranties, expressed or implied, regarding:

  • The accuracy, completeness, or reliability of the calculations
  • The suitability of the results for your specific financial situation
  • The availability or uninterrupted access to the service
  • The absence of errors, bugs, or other issues

You acknowledge that:

  • All calculations are estimates and may not reflect actual results
  • Financial decisions should be made in consultation with qualified financial advisors
  • We are not providing financial, investment, tax, or legal advice

5. Limitations of Liability

In no event shall Numera 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 Numera's website, even if Numera or a Numera authorized representative has been notified orally or in writing of the possibility of such damage.

Some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

6. Financial Disclaimer

Professional Advice Required:

  • The calculators provided are tools for estimation purposes only
  • Results may vary based on actual market conditions and individual circumstances
  • Always consult with qualified financial, tax, or legal professionals before making financial decisions
  • Interest rates, tax rates, and financial regulations are subject to change
  • Past performance does not guarantee future results

7. Acceptable Use

You agree to use Numera responsibly and not to:

  • Use the service for any unlawful purpose or in violation of any local, state, national, or international law
  • Transmit, or procure the sending of, any advertising or promotional material without our prior written consent
  • Impersonate or attempt to impersonate Numera, a Numera employee, another user, or any other person or entity
  • Engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the website
  • Use any automated system, including robots, spiders, or offline readers to access the website

8. Privacy Policy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our service. By using Numera, you agree to the collection and use of information in accordance with our Privacy Policy.

9. Third-Party Services

Our website may contain links to third-party websites or services that are not owned or controlled by Numera. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

We use third-party services including:

  • Google Analytics for website analytics
  • Google AdSense for advertising
  • Various CDNs for content delivery

10. Intellectual Property Rights

The service and its original content, features, and functionality are and will remain the exclusive property of Numera and its licensors. The service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used without our prior written consent.

11. User-Generated Content

If you submit any content to our website (such as through contact forms or feedback), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and distribute such content for the purpose of providing and improving our services.

12. Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the service will cease immediately.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

Your continued use of the service after we post any modifications to the Terms constitutes acceptance of those changes.

14. Governing Law

These Terms shall be interpreted and governed in accordance with the laws of the jurisdiction where Numera operates, without regard to conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect. These Terms constitute the entire agreement between us regarding our service.

16. Contact Information

If you have any questions about these Terms of Service, please contact us:

17. Acknowledgment

By using Numera, you acknowledge that:

  • You have read and understood these Terms of Service
  • You agree to be bound by these terms
  • You are legally capable of entering into this agreement
  • You will use the service in accordance with these terms and all applicable laws