Terms & Conditions

Last Updated: 27 September 2026

Welcome to FreeToolsFinance.com (“Website”, “we”, “us” or “our”). These Terms & Conditions govern your access to and use of FreeToolsFinance.com, including its calculators, financial tools, articles, guides, features and other content.

By accessing or using this Website, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please discontinue use of the Website.

1. About FreeToolsFinance.com

FreeToolsFinance.com provides free online financial calculators, tools, information and educational content intended to help users understand and estimate various financial calculations.

Our tools may include, but are not limited to:

• Loan and EMI calculators

• Home loan calculators

• SIP and investment calculators

• Tax calculators

• Capital gains calculators

• Currency converters

• Savings and interest calculators

• Property and real-estate calculators

• Retirement and financial-planning tools

• Other finance-related calculators and utilities

The Website is intended primarily as an informational and educational resource.

2. No Financial or Professional Advice

The information, calculations, estimates, articles and other content available on FreeToolsFinance.com are provided for general informational and educational purposes only.

Nothing on this Website should be considered:

• Financial or investment advice

• Tax advice

• Legal advice

• Accounting advice

• Insurance advice

• Lending or credit advice

• A recommendation to buy, sell or hold any financial product or investment

• A guarantee of financial returns or future performance

Calculator results are estimates based on the information and assumptions entered by the user. Actual results may vary because of interest rates, taxes, fees, market conditions, lender policies, investment performance, government regulations and individual circumstances.

You should consult a qualified financial, tax, legal or other professional before making significant financial decisions.

3. Accuracy of Information and Calculations

We make reasonable efforts to provide useful and accurate information and to maintain our calculators and tools.

However, we do not guarantee that:

• All calculations will always be accurate;

• All information will be complete or current;

• Every formula will apply to your particular circumstances;

• Results will match those provided by banks, financial institutions, government authorities or other organisations;

• Information will remain unchanged as laws, regulations, tax rules, interest rates or market conditions change; or

• The Website will always be available or free from technical errors.

You are responsible for checking important calculations and information against appropriate official or professional sources before relying on them.

4. User Responsibility

You are responsible for the information and figures you enter into our calculators and tools.

You should carefully review the inputs, assumptions and results before using them for any financial, business, investment, tax, property or other decision.

FreeToolsFinance.com is not responsible for decisions made solely on the basis of calculator results or information obtained from the Website.

5. Personal Financial Decisions

Financial decisions can involve substantial risks. Calculator results should be treated as estimates rather than guaranteed outcomes.

For example, an investment calculator may illustrate hypothetical growth based on assumptions, but actual investment returns can differ significantly.

Similarly, an EMI calculator may provide an estimated repayment amount, while the actual amount charged by a lender may differ because of applicable interest rates, processing fees, insurance, taxes, charges or other conditions.

You remain solely responsible for evaluating your financial circumstances and obtaining appropriate professional advice where necessary.

6. Currency and Market Information

Where the Website provides currency rates, financial rates or other market-related information, such information may be obtained from third-party sources or based on publicly available data.

Such information may be delayed, approximate or subject to change.

FreeToolsFinance.com does not guarantee that any displayed exchange rate, interest rate, market figure or other financial data represents the current rate available from a bank, exchange, broker, lender or other financial institution.

7. Acceptable Use

You agree to use FreeToolsFinance.com only for lawful purposes.

You must not:

• Use the Website for any unlawful or fraudulent purpose;

• Attempt to gain unauthorised access to the Website or its systems;

• Interfere with or disrupt the operation of the Website;

• Introduce viruses, malware or other harmful code;

• Attempt to overload or damage our servers;

• Use automated methods to excessively scrape, copy or collect Website content;

• Reverse engineer or attempt to extract proprietary software or code;

• Circumvent security or access controls;

• Use the Website in a manner that violates applicable laws or regulations; or

• Reproduce or redistribute substantial portions of our content without permission.

We reserve the right to restrict or terminate access where we reasonably believe these Terms have been violated.

8. Intellectual Property

Unless otherwise stated, the content and materials published on FreeToolsFinance.com, including text, graphics, logos, design elements, page layouts, original articles, branding and software, are owned by or licensed to FreeToolsFinance.com and are protected by applicable intellectual-property laws.

You may access and use the Website for personal and lawful purposes.

You may not reproduce, republish, modify, distribute, sell, licence or commercially exploit substantial portions of our original content without prior written permission.

9. User-Generated Information

If the Website allows users to submit comments, feedback, questions or other material, you are responsible for ensuring that anything you submit:

• Is lawful;

• Does not infringe another person's intellectual-property rights;

• Does not contain malicious software;

• Is not defamatory, abusive or misleading; and

• Does not violate the privacy or other rights of another person.

We reserve the right to remove submitted material that violates these requirements or that we reasonably consider inappropriate.

10. Third-Party Websites and Services

FreeToolsFinance.com may contain links to third-party websites, services, advertisements or resources.

These third-party websites are not controlled by us. We are not responsible for their content, availability, privacy practices, security, accuracy or terms and conditions.

Visiting a third-party website through a link on FreeToolsFinance.com is done at your own discretion and risk.

You should review the privacy policy and terms of any third-party website before using its services.

11. Advertising and Affiliate Links

The Website may display advertisements or contain affiliate links.

Where applicable, FreeToolsFinance.com may receive compensation if you click an advertisement or purchase a product or service through an affiliate link.

Such compensation does not necessarily mean that we endorse or guarantee the products or services concerned.

You should independently evaluate any third-party product, service or financial offering before making a decision.

12. Availability of the Website

We aim to keep FreeToolsFinance.com available and functional, but we do not guarantee uninterrupted or error-free access.

The Website or individual tools may occasionally be unavailable because of:

• Maintenance;

• Software updates;

• Technical problems;

• Hosting or network issues;

• Security incidents;

• Third-party service failures; or

• Circumstances beyond our reasonable control.

We reserve the right to modify, suspend or discontinue any part of the Website or any tool without prior notice where reasonably necessary.

13. Disclaimer of Warranties

To the maximum extent permitted by applicable law, FreeToolsFinance.com is provided on an “as is” and “as available” basis.

We make no express or implied warranties regarding the Website, including warranties concerning accuracy, reliability, availability, suitability, completeness or fitness for a particular purpose.

Nothing in these Terms is intended to exclude or restrict any rights that cannot lawfully be excluded or restricted under applicable law.

14. Limitation of Liability

To the maximum extent permitted by law, FreeToolsFinance.com and its owners, operators, contributors and service providers shall not be liable for any direct, indirect, incidental, special, consequential or other loss arising from or relating to:

• Your use of or inability to use the Website;

• Reliance on calculator results;

• Errors or omissions in information;

• Financial or investment decisions;

• Loss of data;

• Website interruptions;

• Third-party websites or services; or

• Any other use of the Website.

Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.

15. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless FreeToolsFinance.com, its owners, operators and service providers from claims, losses, liabilities, damages, costs and expenses arising from your unlawful use of the Website, violation of these Terms or infringement of another person's rights.

16. Privacy

Your use of FreeToolsFinance.com is also subject to our Privacy Policy, which explains how information may be collected, used and protected.

Please review the Privacy Policy before using the Website.

17. Changes to These Terms

We may update or modify these Terms & Conditions from time to time.

Any revised version will be published on this page with an updated “Last Updated” date. Your continued use of the Website after changes are published constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

18. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of India, unless applicable law requires otherwise.

Any dispute arising from or relating to your use of the Website shall be subject to the jurisdiction of the competent courts in India.

19. Severability

If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision shall be interpreted or modified to the minimum extent necessary, and the remaining provisions shall continue to remain in effect.

20. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and any other policies expressly referenced on the Website, constitute the agreement governing your use of FreeToolsFinance.com.

21. Contact Us

If you have questions about these Terms & Conditions, please contact us through the Contact Us section of FreeToolsFinance.com.

Website: FreeToolsFinance.com

Last Updated: 27 September 2026

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