Effective Date: August 25, 2025
Welcome to HowToCalculate.net. By using our website, you agree to the following terms and conditions. Please read them carefully. If you do not agree, please do not use our website.
1. Acceptance of Terms
By accessing or using HowToCalculate.net, you confirm that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.
2. Age Requirement
You must be at least 18 years old to use our services. If you are under 18, you may only use our website with active parental or guardian supervision and consent. By using this website, you represent and warrant that you meet this age requirement.
3. Use of Our Website
You agree to use our website for lawful purposes only. You may not:
- Use our calculators, guides, or other content for any unlawful or fraudulent activity
- Attempt to hack, damage, disrupt, or compromise the website, its servers, or security systems
- Copy, reproduce, distribute, or publicly display our content without explicit written permission
- Use automated tools (bots, scrapers, crawlers) to access or extract data from our website
- Submit false, misleading, or malicious information through our contact forms or calculators
- Interfere with other users’ access to or use of the website
- Attempt to reverse-engineer our calculation algorithms or proprietary methodologies
- Use the website to distribute spam, malware, or other harmful content
- Violate any applicable local, state, national, or international laws or regulations
4. Intellectual Property
All content on HowToCalculate.net, including text, tools, calculators, graphics, logos, design elements, and software code, is owned by Gauri Dutt Joshi or licensed to us and is protected by copyright, trademark, and other intellectual property laws.
Limited License: You may use our content for personal, non-commercial purposes only. Any commercial use requires explicit written permission from the website owner.
5. User-Generated Content
When you contact us or submit information through our website, you grant us a non-exclusive, royalty-free license to use, reproduce, and respond to your communications for the purposes of providing customer service and improving our website.
6. Disclaimer of Warranties
Our calculators and guides are provided for informational purposes only. We do not guarantee the accuracy, completeness, reliability, or suitability of results, and you use them entirely at your own risk.
Professional Advice: Our tools are not substitutes for professional advice in finance, healthcare, legal matters, or technical implementation. Always verify important calculations with qualified professionals before making decisions.
7. Limitation of Liability
To the fullest extent permitted by law, HowToCalculate.net, Gauri Dutt Joshi, and any associated parties will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages resulting from:
- Use or inability to use the website or its tools
- Reliance on any calculation, information, or guidance provided
- Errors, omissions, or inaccuracies in our content
- Technical issues, downtime, or service interruptions
- Loss of data, profits, or business opportunities
- Any third-party actions or content
Maximum Liability: In no event shall our total liability to you exceed the amount you paid to use our services (which is currently zero, as our services are free).
8. Third-Party Links and Advertisements
Our site may display advertisements, including Google AdSense ads, and links to external websites. We are not responsible for the content, accuracy, privacy practices, or business practices of third-party websites or advertisers.
Any transactions you make with third parties are solely between you and them. We do not endorse any third-party products or services.
9. Privacy and Data Collection
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information, including our use of cookies and third-party advertising services.
10. Prohibited Commercial Use
Unless explicitly authorized, you may not use our website or its tools for:
- Reselling or redistributing our calculators or content
- Creating competing calculator websites using our methodologies
- Commercial consulting services based primarily on our tools
- Integration into paid software or services without permission
11. Service Modifications and Termination
We reserve the right to:
- Modify, suspend, or discontinue any part of our website at any time
- Update these Terms of Service with reasonable notice
- Terminate access for users who violate these terms
- Change our calculator methodologies or add new features
Continued use of the website after changes constitutes acceptance of modified terms.
12. Governing Law and Jurisdiction
These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes arising under these terms shall be subject to the jurisdiction of the courts in New Delhi, India.
For international users: By using this website, you consent to the jurisdiction and venue of Indian courts for any legal proceedings.
13. Dispute Resolution
Good Faith Negotiations: Before filing any formal legal proceedings, parties agree to attempt resolution through good faith negotiations for a period of 30 days.
Notice of Disputes: Any disputes must be communicated in writing to contact@howtocalculate.net with detailed description of the issue and proposed resolution.
Mediation: If direct negotiations fail, parties agree to attempt resolution through mediation before pursuing litigation.
14. Severability
If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. The unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
15. Contact Information for Legal Matters
For legal inquiries, compliance issues, or disputes related to these Terms of Service:
Primary Contact: contact@howtocalculate.net
Legal Notice Address:
Gauri Dutt Joshi
HowToCalculate.net
New Delhi, India
Response Time: We will acknowledge legal correspondence within 5 business days and provide substantive responses within 15 business days when possible.
16. Changes to These Terms
We may update these Terms of Service from time to time to reflect changes in our services, legal requirements, or business practices. The “Effective Date” above shows the latest revision date.
Notification: Significant changes will be posted prominently on our website at least 30 days before taking effect. Continued use after changes take effect constitutes acceptance of the modified terms.
Last Updated: August 25, 2025
Website: https://howtocalculate.net
Contact: contact@howtocalculate.net
By using HowToCalculate.net, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.