Terms of Service (Universal Terms)
Universal Educational Project • Sabhi 24+ calculators par laagu • September 2026
Important Legal Disclaimer & Terms Summary (Universal Notice)
Calcia ek universal, 100% free aur educational reference platform hai jise mathematical formulas aur computing demonstration ke liye banaya gaya hai. Calcia koi certified financial, tax, medical ya civil engineering advice provide nahi karta. Sabhi calculations aapke device ke browser me "As-Is" basis par hoti hain. Kisi bhi calculation ke aadhar par liye gaye decisions ke liye user khud 100% responsible hai.
195+ countries ke liye open aur accessible. Kisi single country se bound nahi, koi paid subscription ya contract nahi.
100% client-side computation. Aapke financial ya biometric values kabhi server par transmit nahi hote.
Global legal liability zero hai. Frivolous lawsuits par legal fees recovery ka right reserve hai.
1. Terms of Service Ki Universal Legal Acceptance
Calcia (calciacalc.com ya iske kisi bhi mirror ya embedded tool) ko duniya ke kisi bhi kone se use, browse, share ya calculate karke, aap in 'Universal Terms of Service', hamari Privacy Policy aur sabhi international legal principles se legally bound hone ki consent dete hain.
Agar aap is document ki kisi bhi term ya liability limitation se agree nahi karte, toh aapko Calcia ka use turant band karna hoga.
2. Non-Commercial Student Project & Universal Free Access
Calcia ek independent, non-commercial student coding aur universal mathematical portfolio project hai. Ye service duniya bhar ke users ke liye 100% free hai — isme koi registration fee, payment, subscription ya commercial transaction shamil nahi hai. International legal principles (Gratuitous Service Doctrine / Uncompensated Educational Aid) ke antargat, kisi bhi free aur non-commercial educational service ke liye koi commercial warranty, consumer contract ya consumer liability create nahi hoti.
3. Client-Side Architecture & 100% Data Privacy
Calcia ka infrastructure 100% client-side execution (Client-Side JavaScript/TypeScript) par based hai. Jab aap loan amount, salary, body weight ya project data enter karte hain, toh sara mathematical calculation aapke apne browser me locally hota hai. Ham aapka personal ya financial data kisi server par send, store ya track nahi karte.
4. Category-Wise Codebase Technical & Legal Disclaimers
Hamare codebase me 92 se zyada specialized mathematical calculation engines active hain. Har category ke specific guidelines neeche diye gaye hain:
Codebase Tools: Loan EMI & monthly installments, home loan eligibility, car/personal loan, loan prepayment & tenure reduction, Debt-to-Income (DTI), credit card payoff (minimum vs fixed payment), compound interest, simple interest, SIP, step-up SIP, lumpsum mutual fund, SWP, CAGR, XIRR, stock average, fixed deposit (FD), recurring deposit (RD), retirement & pension (PPF/EPF/NPS models), gratuity formula, income tax & tax slabs (new vs old regime, standard deduction, rebate models), GST/VAT split, TDS / withholding tax on FD, HRA exemption, inflation, FIRE (Trinity 4% rule), rent vs buy, net worth, Rule of 72, emergency fund, real return (Fisher equation), break-even analysis, aur in-hand net salary.
- Koi Certified Financial Advisor Nahi: Calcia koi registered investment advisor (SEBI, SEC, BaFin, AMF, FCA), chartered accountant (CA/CPA), tax consultant ya bank nahi hai. Ham koi formal legal, personal financial ya investment advice provide nahi karte.
- Banks Ki Real Contract Terms: Commercial banks specific day-count conventions (Actual/365, 30/360), floating interest rates, processing fees aur credit score ke basis par contracts finalize karte hain. Hamesha apne bank ke official contract document par hi rely karein.
- International Tax & Budget Updates: 195+ countries me tax slabs, deductions, rebates aur GST/VAT rates governments dwara change hote rehte hain. Official tax return file karne se pehle certified tax professional se consult zaroor karein.
- Market Risk: Mutual funds, equity aur retirement estimates projected growth rate par based hote hain. Real market me capital loss ka risk hota hai. Past returns future performance ki guarantee nahi hain.
Codebase Tools: Body Mass Index (BMI), body fat (U.S. Navy method), ideal body weight (Devine / Robinson), daily calorie requirements (Mifflin-St Jeor), macronutrients, BMR, TDEE, water intake, sleep cycles (90-minute REM), target heart rate (Karvonen), running pace, Vo2 Max (Cooper 12-min test), 1RM (Brzycki/Epley), waist-to-height ratio, waist-to-hip ratio, child growth percentiles (WHO 0-60 months), pregnancy due date (Naegele 280-day rule), pregnancy weight gain (IOM guidelines), period tracker, ovulation & fertile window, aur blood alcohol content (BAC - Widmark model).
- Medical Facility Nahi: Ham doctor, gynecologist, pediatrician ya hospital nahi hain. Koi bhi doctor-patient relationship create nahi hota. Ye tools educational mathematical calculations ke liye hain.
- Ovulation Tracker Contraceptive (Birth Control) Nahi Hai: Ovulation aur fertile window calculation pure statistical estimates hain. Iska use family planning ya birth control ke liye na karein; ye unintended pregnancy ya STIs se protect nahi karta.
- Pediatric Growth & Pregnancy Disclaimers: Child growth percentiles aur estimated delivery date statistical averages hain, jo clinical ultrasound aur pediatrician guidance ki jagah nahi le sakte.
- Blood Alcohol (BAC) & Zero-Tolerance: Widmark formula purely theoretical estimate hai. Actual blood alcohol absorption metabolism aur food intake par depend karta hai. Calcia ka absolute rule hai: drinking ke baad kabhi bhi drive na karein.
- Heavy Lifting & 1RM Physical Risk: Max strength testing aur intensive cardio tests me cardiovascular strain aur musculoskeletal injuries ka risk hota hai. Heavy workouts se pehle physical trainer ya doctor se consult karein.
Codebase Tools: Concrete volume & mix ratios (M15, M20, M25 nominal ratios, dry volume factor 1.54, cement bags 0.0347 m³, sand & aggregate tonnage), wall paint coverage, tile layout & grouting, aur home electricity bill & appliance consumption (wattage, daily hours, monthly kWh units).
- Structural Safety & Material Wastage: Concrete aur tile calculations theoretical volume provide karte hain. Real construction me 5% se 15% cutting, transport aur handling wastage hota hai. Structural foundations ke liye certified civil engineer ki approval mandatory hai.
- Electricity Tariff Variations: Power bill estimates static rates calculate karte hain. Real utility bills me fuel surcharges, peak demand charges aur regional taxes dynamically apply hote hain.
Codebase Tools: Percentage, percentage increase/decrease, discount, tip, ratio simplification, arithmetic mean, standard deviation & variance (population vs sample Bessel correction), probability, permutations & combinations (nPr / nCr), quadratic equation solver (real & complex roots), 2x2 & 3x3 matrix determinants, LCM & HCF, prime factorization, 2D/3D area & perimeter, aur college GPA & university CGPA (10-point & 4-point scales).
Ye tools academic learning aur study convenience ke liye hain. Different universities aur boards ke grading policies alag hote hain, isliye official transcripts apne educational institute se verify karein.
Codebase Tools: Exact age (years, months, days, hours, minutes, seconds, upcoming birthday, zodiac), days between dates, date add/subtract, business days, work hours & timesheet (unpaid lunch & overtime), world time zones (UTC offsets), time duration, countdown, day of week (Zeller's congruence), leap year check, holiday dates, unit converters (length, weight, temperature), digital storage (binary 1024 vs decimal 1000), kitchen cooking measures, speed, aur shoe size charts.
Business days calculation me local public ya regional bank holidays automatically exclude nahi hote. Conversions international standards (NIST / BIPM) par based hain, lekin critical aerospace navigation ya medical drug dosage ke liye inka use na karein.
Codebase Tools: Typing speed test (Gross WPM, Net WPM, CPM, accuracy score), habit cost & expense tracker (daily habit opportunity cost compounding), aur password strength & entropy analyzer.
Password strength score mathematical entropy per character guidance deta hai. Ye kisi bhi phishing attacks, keyloggers, credential stuffing ya third-party database breaches ke khilaf absolute guarantee nahi hai.
5. Koi Professional-Client Ya Fiduciary Relationship Nahi
Calcia ko use karne ya iske computational engines par results calculate karne se user aur platform creators, developers ya student maintainers ke beech koi fiduciary, doctor-patient, attorney-client, accountant-client ya advisory relationship create nahi hoti.
6. Mathematical Precision & 'As-Is' Warranty Disclaimer
Calcia bina kisi express ya implied warranty ke strictly "As Is" aur "As Available" basis par provide kiya jata hai. Developer kisi bhi tarah ki uninterrupted uptime, bug-free execution, commercial merchantability ya specific purpose fitness ki legal guarantee nahi deta. IEEE 754 floating point arithmetic me standard rounding differences ho sakte hain.
7. Limitation of Liability & Absolute Zero Monetary Cap ($0 / €0 / ₹0)
Maximum Legal Exclusion: Applicable law ke maximum extent tak, Calcia aur iske student developers kisi bhi direct, indirect, incidental, punitive, consequential ya special damages ke liye liable nahi honge:
- Kisi bhi financial loss, galat investment decisions, unexpected tax liabilities, loan rejection ya business losses ke liye;
- Sharab peene ya BAC result par rely karke drive karne se hui road accident, physical injury, death, traffic fines ya criminal prosecution ke liye;
- Ovulation, pregnancy, cardiac strain ya extreme workout se jude kisi bhi health outcomes ke liye;
- Construction material deficit, concrete cracks, structural failures ya project delays ke liye;
- Website downtime, browser incompatibility ya data loss ke liye.
8. Universal Indemnification & Frivolous Lawsuit Fee Recovery
User agree karta hai ki uske Calcia usage, terms violation, ya calculation decisions se related third-party claims, legal actions, government fines, liabilities aur legal attorney fees se Calcia aur iske creator ko completely indemnify aur hold harmless rakhega.
9. Global Class Action Waiver & Mandatory 30-Day Notice
Class Action Waiver: Aap expressly waive karte hain kisi bhi country me class-action lawsuit, consolidated arbitration ya representative lawsuits ka part banne ka right. Sabhi disputes strictly individual capacity me hi entertain kiye ja sakte hain.
Mandatory 30-Day Good-Faith Resolution: Kisi bhi formal legal step se pehle, user ko developer (mahendra.jangid.official@gmail.com) ko written formal notice send karke minimum 30 days ka amicable dispute resolution discussion period dena mandatory hai.
10. Acceptable Use, Conduct Restrictions & Age Eligibility (16+)
Calcia solely lawful educational aur personal calculations ke liye intended hai. Users ki minimum age 16 years honi chahiye (global online child protection standards COPPA / GDPR-K compliant).
Prohibited Activities: Platform par automated web scraping, denial-of-service (DoS) attacks, reverse engineering, unauthorized API harvesting ya computation engines ko overload karna strictly prohibited hai.
11. Intellectual Property, Safe Harbor & DMCA Copyright Notice
Universal mathematical formulas aur physics equations public domain me aate hain, lekin Calcia ka software codebase, UI components, editorial text aur computational pipeline international copyright aur intellectual property laws se protected hain.
DMCA Safe Harbor Inquiries: Calcia sabhi intellectual property rights ka samman karta hai. Copyright concerns ya notices ke liye grievance email (mahendra.jangid.official@gmail.com) par submit karein. Web host aur registrars notices direct hamare designated contact ko forward karein.
12. Strict 1-Year Statute of Limitations (Time Barred Claims)
1-Year Time Limitation: Aap agree karte hain ki Calcia ke use ya in terms se related koi bhi claim cause arise hone ke theek 1 saal ke andar formally initiate karna mandatory hai. 1 saal complete hone ke baad claim legally aur permanently time-barred ho jayega.
13. Governing Principles, Severability & Local Compliance
Ye terms developer ke resident jurisdiction aur universally recognized common law principles ke hisab se govern hongi. 195+ countries se access karne wale users apne local country laws ke compliance ke liye khud solely responsible hain.
Severability: Agar kisi competent court dwara in terms ka koi specific provision invalid ya unenforceable declare kiya jata hai, toh woh specific provision severable mana jayega aur baki sabhi sections fully valid aur effective rahenge.