Terms of Use

Terms of Use

Please read these Terms of Use ("Terms") carefully before using the website at home-loan-emi-calculator.getinfotoyou.com operated by GetInfoToYou Financial Tools ("we", "our", "us"). By accessing or using our Site, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using this Site, you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use this Site.

2. Description of Services

GetInfoToYou Financial Tools provides free online financial calculators and educational content including:

• Home Loan EMI Calculator
• SBI and HDFC Home Loan Calculators
• Home Loan Eligibility Calculator
• Prepayment Calculator
• Interest rate comparison guides
• Tax benefit guides

All services are provided free of charge for informational and educational purposes.

3. Disclaimer — No Financial Advice

Specifically:

• EMI calculations are estimates based on standard formulas and may differ from actual bank calculations due to processing fees, insurance, rounding, and bank-specific policies
• Interest rates shown are indicative and subject to change without notice
• Eligibility calculations are approximations — actual bank eligibility depends on credit score, income verification, property appraisal, and other factors
• Tax information is based on general interpretation of tax laws and should not be relied upon for tax filing without consulting a qualified Chartered Accountant

Always verify all information with your bank or financial advisor before making any financial decisions.

4. Accuracy of Information

We strive to provide accurate, up-to-date information. However, we make no warranties or representations about:

• The accuracy, completeness, or timeliness of calculation results
• Interest rates, which change frequently and may not reflect current bank offers
• Tax laws, which change with each budget and may differ from our descriptions
• Eligibility criteria, which vary by bank, loan product, and borrower profile

5. Permitted Use

You may use this Site for:

• Personal, non-commercial use to research home loan options
• Educational purposes to understand EMI calculations
• Comparison of indicative loan parameters across banks

You may not use this Site to:

• Reproduce, copy, or republish calculator tools on other websites without written permission
• Use automated tools or bots to scrape content
• Attempt to hack, disrupt, or compromise Site security
• Misrepresent calculator results as official bank quotes

6. Intellectual Property

All content on this Site, including calculators, text, graphics, and code, is the property of GetInfoToYou Financial Tools unless otherwise noted. The EMI formula itself is a mathematical formula in the public domain, but our implementation, design, and associated content are protected by copyright.

You may:

• Share links to our pages on social media or websites
• Quote brief excerpts with attribution and a link back to the source page

7. Third-Party Links and Content

Our Site may contain links to third-party websites (e.g., bank websites, RBI website). We are not responsible for the content, accuracy, or privacy practices of those sites. Links are provided for convenience only.

We display third-party advertisements on our Site. We do not endorse or guarantee the products or services advertised.

8. Limitation of Liability

To the fullest extent permitted by applicable law, GetInfoToYou Financial Tools and its owners shall not be liable for:

• Any financial loss resulting from reliance on calculator results or information on this Site
• Errors or inaccuracies in interest rates, eligibility criteria, or tax information
• Decisions made based on information from this Site without independent verification
• Technical issues including downtime, errors, or data loss
• Third-party advertisements or linked external websites

Your use of this Site is entirely at your own risk.

9. Indemnification

You agree to indemnify and hold harmless GetInfoToYou Financial Tools and its team from any claims, damages, or expenses arising from your use of this Site or violation of these Terms.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes are effective when posted on this page with an updated date. Continued use of the Site after changes constitutes acceptance of the modified Terms.

11. Governing Law

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

12. Contact Us

For questions about these Terms:

• Email: getinfotoyou@gmail.com
• About page: getinfotoyou.com/about