Terms of Service

Welcome to AbacusHand (www.abacushand.com). By accessing or using our website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Site.

1. Acceptance of Terms

By accessing and using AbacusHand, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These terms apply to all visitors, users, and others who access or use the Site.

2. Description of Service

AbacusHand provides free online financial calculators and educational content related to personal finance, loans, investments, and taxation in India. Our tools are designed to help users make informed financial decisions through accurate calculations and expert-written articles.

3. Not Financial Advice

While we strive for accuracy, we make no guarantees that the results from our calculators will match actual outcomes from banks, financial institutions, or government agencies. Interest rates, tax slabs, and regulations change frequently, and there may be a delay in updating our tools.

4. Accuracy of Information

We make reasonable efforts to ensure the accuracy of our calculators and content. However, we do not warrant that the information is complete, accurate, or current at all times. Calculator results are estimates based on the inputs you provide and standard financial formulas. Actual results may vary based on factors not accounted for in our tools.

5. Intellectual Property

All content on AbacusHand, including but not limited to text, graphics, logos, icons, images, code, and software, is the property of AbacusHand and is protected by intellectual property laws. You may:

• Use our calculators for personal, non-commercial purposes
• Share links to our pages on social media or other websites
• Reference our content with proper attribution

You may NOT:

• Copy, reproduce, or redistribute our content without permission
• Use our calculators or content for commercial purposes without written consent
• Modify, reverse-engineer, or create derivative works from our tools
• Frame or embed our pages on other websites without permission

6. User Conduct

When using our Site, you agree not to:

• Attempt to gain unauthorized access to our systems or servers
• Use automated tools (bots, scrapers) to access our content at scale
• Interfere with or disrupt the Site or its infrastructure
• Use the Site for any unlawful purpose
• Transmit any malicious code or attempt to compromise site security

7. Limitation of Liability

To the fullest extent permitted by law, AbacusHand shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Site, including but not limited to financial losses resulting from reliance on calculator results or content published on our Site.

8. Third-Party Links

Our Site may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

9. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on this page. Your continued use of the Site after changes are posted constitutes your acceptance of the modified terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in India.

11. Contact

If you have any questions about these Terms of Service, please contact us at: contact@abacushand.com