Terms and Conditions

By using Tools To India you agree to these terms. If you do not agree with them, please do not use the site.

These terms may be updated from time to time. The date at the top of this page shows when they were last changed, and continued use after a change means you accept the updated terms.

This site provides free calculators and general informational content about Indian personal finance, government schemes, recruitment, examination results and official document processes.

It is an independent informational service. It is not, and does not claim to be, a government body, a bank, a financial institution, a registered investment adviser, a tax practitioner, a lawyer or an employer.

• The calculators produce estimates based on the inputs you provide and the assumptions stated on each page.
• Nothing on this site is financial, investment, tax, legal, medical or career advice, and it should not be relied on as a substitute for advice from a qualified professional who knows your circumstances.
• We do not issue, verify, process or expedite any government document, application or benefit, and we cannot influence any government decision.

We take considerable care over accuracy — our editorial and fact-checking policies describe how — but we do not warrant that the site is free of errors or that every figure is current at the moment you read it.

Rules, rates, thresholds and official processes change. Before acting on anything here, verify it against the official source linked on the page.

The site is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted availability, and we may change, suspend or remove any part of it at any time.

• You may use the site for personal, non-commercial purposes.
• You may link to any page on the site.
• You may quote short extracts with clear attribution and a link to the page quoted.
• You may not copy, republish or redistribute substantial portions of the content without written permission.
• You may not scrape, mirror or systematically extract content, or use automated means that place an unreasonable load on the site.
• You may not misrepresent the site, or use its name or content in a way that implies endorsement, affiliation or government authority.
• You may not attempt to gain unauthorised access to any part of the site or any connected system.

The written content, calculator logic, design and code of this site are owned by its operator, except where stated otherwise.

Government content referred to on this site remains the property of the relevant government body. Where we describe a scheme, rule or process, we do so in our own words and link to the official source. Names of government schemes, departments and organisations belong to those bodies, and their use here is descriptive rather than a claim of affiliation.

This site links to government portals and other external websites. Those sites are not under our control, and we are not responsible for their content, availability, accuracy or privacy practices.

A link is not an endorsement. Where we link to an official portal, it is because that portal is the authoritative source for the matter described.

To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, this site — including any decision made on the basis of a calculator result, an estimate, or information about a scheme, job or examination.

This includes indirect and consequential loss, loss of profit, loss of opportunity, and loss arising from an application that was unsuccessful, late or incorrectly made.

Nothing in these terms excludes any liability that cannot lawfully be excluded.

These terms are governed by the laws of India, and the courts of India have exclusive jurisdiction over any dispute arising from them or from use of this site.

Questions about these terms can be sent to Supportbreakouttrade@gmail.com.