Disclaimer

The information, calculators, document templates and other tools provided on ToolSetu (the "Service") are offered for general information and educational purposes only. By using the Service you accept this Disclaimer in full.

1. Not professional advice

Nothing on ToolSetu constitutes professional financial, investment, tax, accounting or legal advice, and it must not be relied upon as such. Our calculators produce estimates based on the figures you enter and standard, publicly available formulas. They cannot account for your complete personal circumstances. Before making any financial, tax, investment or legal decision, please consult a qualified chartered accountant, registered financial adviser, tax professional or lawyer.

2. Financial & tax calculators

Income-tax, EMI, SIP, gratuity, HRA, PPF, capital-gains, NPS and similar calculators use the formulas and rules generally applicable in India. Tax slabs, exemption limits, interest rates and government rules change from time to time and may have changed since a page was last updated. Actual figures from your bank, employer, mutual fund, or the Income Tax Department may differ. Investments are subject to market risks; past performance and illustrative returns do not guarantee future results.

3. Document generators & templates

Documents produced by our generators (offer letters, NOCs, rent agreements, affidavits, GST invoices and similar) are general templates for convenience. They are not drafted for your specific situation, may not comply with every applicable law or local requirement, and are not a substitute for advice from a qualified lawyer. Review and adapt any document, and have it professionally checked, before relying on it.

4. Government schemes & lookups

Scheme eligibility results and IFSC, pincode and RTO lookups are provided for convenience and may be incomplete or out of date. Always confirm details with the official government source, bank or authority before acting on them.

5. Accuracy & availability

We work hard to keep our tools and content accurate and current, but we make no warranty, express or implied, that the Service is error-free, complete, current or continuously available. To the fullest extent permitted by law, ToolSetu is not liable for any loss or damage arising from your use of, or reliance on, the Service.

6. External links & advertising

The Service may contain links to third-party websites and may display third-party advertising (including Google AdSense). We do not control and are not responsible for the content, accuracy or practices of those third parties. Links and ads do not imply endorsement.

7. Contact

If you believe any tool or figure on ToolSetu is inaccurate, please tell us at support@toolsetu.com so we can review and correct it. See also our Privacy Policy and Terms of Service.