Terms & Conditions
Last updated: 1 November 2026. These terms explain the basis on which ToolPitara offers its free tools. We have written them in plain language on purpose — if any part is unclear, ask us by email and we will explain it in simpler words.
1. Accepting these terms
By opening and using this website (ToolPitara, at toolpitarawala.github.io), you accept these terms. If you do not agree with them, please do not use the site. ToolPitara is an independent website operated from India; in these terms, “we” and “us” mean the operator of ToolPitara, and “you” means the visitor using the site.
2. What ToolPitara provides
ToolPitara provides small, free online tools — currently an EMI Calculator, a SIP Calculator and a GST Calculator — together with explanations of how each calculation works. Tools run in your web browser. Pages may also describe tools that are still being prepared; those are clearly labelled “Coming soon” and are not being offered as working tools until the label is removed.
3. Free use, no account
Use of the tools is completely free. There is no registration, no account and no payment for any feature on this site. If that ever changes for a future feature, the change will be announced on the site before it takes effect, and these terms and the Privacy Policy will be updated first.
4. Results are estimates — not financial or tax advice
Every figure a ToolPitara calculator produces is an estimate for general information and planning only. Specifically:
- The tools are not financial advice, investment advice or tax advice, and using them does not create any adviser–client relationship.
- Results depend entirely on the numbers you enter and on simplified assumptions described on each tool page (for example, a fixed interest rate, or a steady investment return).
- Real-world outcomes differ: banks apply fees and their own rounding and day-count methods, interest rates float, investment returns vary and can be negative, and tax rates, slabs and exemptions change through official notifications.
- Before signing a loan, making an investment or raising an invoice that matters, verify the figures with your bank, a SEBI-registered investment adviser, a chartered accountant, or official government sources, as appropriate.
Our Disclaimer page covers this in more detail and forms part of these terms.
5. Acceptable use
You agree to use the site only for its intended purpose and in a lawful way. In particular, you must not:
- attempt to disrupt, damage or gain unauthorised access to the site or its hosting;
- use automated tools to scrape, copy or republish the site's pages or tools wholesale;
- present ToolPitara's results or content as your own professional advice or as coming from a bank, government body or any other organisation;
- use the site to mislead anyone — for example, by altering a copied result and presenting it as an official figure.
Normal personal and business use — running calculations, copying your own results, quoting figures with their context — is exactly what the site is for and is fully allowed.
6. Intellectual property
The text, design, layout and code of ToolPitara belong to its operator, except for anything plainly credited to others. You may read, use and share links to the site freely. You may quote short passages with a link back to the page they came from. You may not republish the site's content or tools, in whole or in substantial part, as your own — including by copying them onto another website or app — without written permission by email.
Nothing in these terms transfers any ownership to you, and the figures you calculate with the tools are yours to use as you wish.
7. Availability and changes to the site
We work to keep the site available and correct, but we do not guarantee uninterrupted uptime, and the site is provided “as is” without warranties of any kind. Tools may be improved, corrected, added or removed at any time. If we find an error in a calculator, we will fix it as promptly as we reasonably can; if you find one first, please tell us through the Contact page.
8. External links
At present, the site's links lead only to pages within ToolPitara. If we ever link to an outside website, that site is run by someone else: we are not responsible for its content, accuracy or privacy practices, and including a link would not mean we endorse it.
9. Liability
To the maximum extent permitted by applicable law, ToolPitara and its operator are not liable for any loss or damage arising from reliance on a calculator's estimate, from the site being unavailable, or from a misunderstanding of what the tools do — the tools provide estimates for planning, and decisions made with real money remain yours, ideally checked with a qualified professional as described in section 4. Nothing in these terms limits liability that cannot lawfully be limited.
10. Privacy
How the site treats your information is described in the Privacy Policy, which forms part of these terms. In brief: tools run in your browser, nothing you type is sent to or stored by us, and there are no accounts, cookies, analytics or advertising at present.
11. Changes to these terms
We may update these terms as the site grows. The current version will always be on this page with its “last updated” date. Changes take effect when posted; by continuing to use the site after a change, you accept the updated terms. If a change materially affects how your information is handled, the Privacy Policy will be updated first and the change noted on the homepage.
12. Governing law
ToolPitara is operated from India, and these terms are governed by the laws of India. If a disagreement ever arises, we would rather resolve it by conversation first — write to us.
13. Contact
For anything about these terms: toolpitara@gmail.com. Email is our only contact channel, and it is a real, monitored one.