Terms of Service | Vitthub

1. Acceptance of Terms

By accessing and using Vitthub ("the Website"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please discontinue use of the Website immediately.

2. Description of Service

Vitthub provides free, browser-based financial calculators including EMI calculators, CAGR calculators, and loan comparison tools. All calculations are performed entirely on your device using client-side JavaScript. We do not provide financial advice, investment recommendations, or banking services.

3. Accuracy of Calculations

Our calculators use industry-standard mathematical formulas commonly used by banks and financial institutions in India. While we strive for accuracy, the results provided are for informational and educational purposes only. Actual loan terms, EMI amounts, and investment returns may vary based on your bank's specific terms, processing fees, and other factors. Always confirm final figures with your financial institution before making decisions.

4. No Financial Advice

The information provided by Vitthub does not constitute financial, investment, tax, or legal advice. We are a calculation tool, not a financial advisory service. You should consult with a qualified financial advisor before making any financial decisions based on the results from our calculators.

5. User Responsibilities

As a user of Vitthub, you agree to:

Use the Website for lawful purposes only
Verify all calculation results independently before making financial decisions
Not attempt to reverse-engineer, hack, or disrupt the Website
Not reproduce or redistribute our tools without prior written consent

6. Intellectual Property

All content on Vitthub, including but not limited to text, graphics, logos, icons, and software, is the property of Vitthub and is protected by applicable intellectual property laws. You may not copy, modify, or distribute any part of the Website without our express written permission.

7. Limitation of Liability

Vitthub is provided "as is" without warranties of any kind, either express or implied. We shall not be held liable for any losses, damages, or claims arising from the use of our calculators, including but not limited to financial losses resulting from reliance on calculation results.

8. Availability

We strive to keep Vitthub available at all times, but we do not guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue any part of the service at any time without prior notice.

9. 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.

10. Changes to Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated date. Continued use of the Website after changes constitutes acceptance of the updated terms.

11. Contact

For any questions regarding these terms, please contact us at support@vitthub.com.