Terms & Conditions

1. Acceptance of Terms

By accessing and using Toolisky ("Website," "Platform," or "Service"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to any part of these terms, please do not use our Website. We reserve the right to modify these Terms at any time. Continued use of the Website following any changes constitutes your acceptance of the new Terms.

2. Educational & Informational Purpose Only

Toolisky is an educational and informational platform providing free calculators, validators, and utility tools. All content, calculations, and tools are designed for:

• General informational purposes only
• Educational understanding of financial concepts
• Quick estimations and rough calculations
• Personal reference and learning

None of the content on Toolisky constitutes professional financial advice, tax advice, legal advice, or investment advice. Our tools are not substitutes for professional consultation with qualified experts.

3. No Financial, Tax, or Legal Advice

Toolisky does NOT provide:

• Financial advice or recommendations
• Tax advice, tax filing guidance, or income tax consultation
• Legal advice or legal opinions
• Investment recommendations or portfolio advice
• Personal financial planning services
• Accounting or bookkeeping services

Any calculator results or information provided should not be interpreted as advice. Always consult qualified professionals—Chartered Accountants (CA), Tax Advisors, Financial Planners, or Legal Experts—before making any financial, tax, or legal decisions.

4. Accuracy Limitations & Disclaimers

While we strive for accuracy, our calculators and tools:

• May not be 100% accurate due to individual variations, special circumstances, exemptions, or tax law complexities
• Are based on assumptions and standard rules applicable at the time of creation
• Do not account for individual-specific deductions, exemptions, or edge cases unique to your situation
• May have rounding errors or estimation variations
• Cannot predict future tax law changes or regulatory updates that may affect calculations
• Are provided "as-is" with no guarantee of accuracy or fitness

Results should be verified independently with official government sources, professional advisors, or authorized agencies before relying on them for actual financial decisions, tax filings, or legal matters.

5. User Responsibility & Verification

You are solely responsible for:

• Verifying all calculator results independently before using them
• Cross-checking results with official sources (e.g., income-tax.gov.in for Indian tax laws)
• Consulting qualified professionals for verification and guidance
• Entering accurate input information into calculators
• Understanding the limitations of automated tools
• Making informed decisions based on verified information, not solely on our tools
• Compliance with all applicable laws and regulations in your jurisdiction

Toolisky is not responsible for errors, omissions, or inaccuracies in calculator results or for any decisions made based on information from this Website.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Toolisky is provided "as-is" and "as-available" without warranties of any kind, express or implied
• We disclaim all warranties including accuracy, completeness, fitness for a particular purpose, and non-infringement
• Toolisky shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:
  • Use or inability to use the Website or calculators
  • Inaccurate calculator results
  • Reliance on any information from Toolisky
  • Financial losses, tax penalties, or legal consequences
  • Decisions made based on calculator outputs
  • Data loss, security breaches, or unauthorized access
  • Third-party content or links
• Even if advised of the possibility of such damages, we are not liable

7. Financial & Tax Calculation Disclaimers

For all tax calculators, investment tools, and financial utilities:

• Tax laws vary by region, jurisdiction, and individual circumstances. Our calculators are designed for general Indian residents and may not account for your specific tax situation
• Tax rules change annually. Even if updated for the current financial year, interpretations may vary or rules may change mid-year
• Results are estimates only. Actual tax liability depends on official assessment and may differ from calculator results
• Special circumstances are not accounted for: Business losses, income averaging, section-specific exemptions, treaty benefits (for NRIs), or other edge cases
• No guarantee of accuracy for official filings. Always file your ITR (Income Tax Return) with professional guidance, not based solely on these calculator results

8. Privacy & Data Handling

Privacy is our priority. All calculations are performed locally in your browser. We:

• Do NOT store, save, or log your financial information
• Do NOT transmit your data to our servers
• Do NOT share your information with third parties for financial gain
• Do NOT use your data for marketing purposes without consent

For complete details on data handling, please refer to our Privacy Policy.

9. Prohibited Uses

You agree NOT to use Toolisky for:

• Illegal activities or regulatory violations
• Tax evasion or financial fraud
• Attempting to bypass security measures or attack the Website
• Automated scraping, crawling, or bot usage
• Distributing malware or harmful code
• Harassing, defaming, or threatening others
• Violating intellectual property rights
• Accessing the Website without proper authorization

Violation of these terms may result in access denial and legal action.

10. Intellectual Property Rights

Toolisky and its content are owned by Toolisky or its licensors. You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes only. You may NOT:

• Reproduce, modify, or distribute any content without permission
• Use our calculators or content in commercial products
• Reverse-engineer or decompile our tools
• Remove copyright notices or proprietary markings

11. Third-Party Links & Content

Toolisky may contain links to third-party websites, government resources, or external content. We do not endorse or control third-party content. Your use of third-party sites is governed by their terms and policies. Toolisky is not responsible for:

• Accuracy or availability of third-party content
• Privacy practices of external sites
• Security or reliability of linked resources

12. Indemnification

You agree to indemnify, defend, and hold harmless Toolisky, its founders, employees, and agents from any claims, damages, liabilities, costs, or expenses (including legal fees) arising from:

• Your use of the Website or calculators
• Violation of these Terms
• Violation of applicable laws
• Infringement of third-party rights
• Your use of calculator results for decisions or filings

13. Governing Law & Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of India, without regard to its conflict of law principles.

Any legal action or proceeding arising under or related to these Terms shall be brought exclusively in the courts of India, and you hereby consent to the jurisdiction and venue of such courts. You agree not to challenge the jurisdiction or venue of Indian courts.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid, or if not possible, severed from these Terms. The remaining provisions shall remain in full effect.

15. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Toolisky regarding your use of the Website. These Terms supersede all prior agreements, understandings, and communications. If any conflict exists between these Terms and other documents, these Terms shall prevail.

16. Changes to Terms

Toolisky reserves the right to modify these Terms at any time. Changes become effective immediately upon posting to the Website. Your continued use of Toolisky after changes indicates your acceptance of the updated Terms. It is your responsibility to review these Terms regularly.

17. Contact Us

If you have questions, concerns, or disputes regarding these Terms & Conditions, please contact us at: