Terms of Service

1. Acceptance of Terms

By accessing and using the Multicalc website and application (the "Service"), you agree to be bound by these Terms of Service. If you do not agree, please do not use our Service. We reserve the right to modify these Terms at any time.

2. Use License

We grant you a limited, non-exclusive license to access and use the Service for personal, non-commercial purposes. You agree not to:

• Modify or copy content without permission
• Attempt to gain unauthorized access
• Use automated tools (bots, scrapers) to access the Service
• Transmit viruses or malware
• Harass or abuse other users

3. Disclaimer of Warranties

The Service is provided "AS IS" and "AS AVAILABLE" without warranties. Multicalc makes no representations regarding:

• Accuracy or completeness of calculations
• Fitness for a particular purpose
• Uninterrupted or error-free operation

You assume all risk associated with using our Service.

4. Limitation of Liability

Multicalc shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of the Service, including loss of profits, data, or business interruption.

5. Financial Disclaimers

IMPORTANT: Our financial calculators (EMI, loans, investments, taxes) are for educational purposes only and do NOT constitute professional financial advice.

They are approximations that may not reflect actual outcomes due to:

• Changing interest rates and market conditions
• Additional fees or penalties
• Tax law changes

Before making financial decisions, consult with a qualified financial advisor or tax professional.

6. Health & Medical Disclaimers

IMPORTANT: Our health calculators (BMI, body fat, calories, pregnancy) are for informational purposes only and do NOT constitute medical advice.

They:

• Are NOT substitutes for professional medical consultation
• Are based on general population averages
• May not be accurate for all individuals
• Are NOT suitable for diagnosing conditions

For health concerns, consult with a qualified healthcare provider, physician, or registered dietitian.

7. Mental Health Assessment Disclaimers

IMPORTANT: Our mental health screening tools (including but not limited to PHQ-9, GAD-7, ADHD screening, stress tests, depression assessments, anxiety tests, and personality assessments) are:

• NOT diagnostic tools - They are screening instruments only
• NOT substitutes for professional evaluation - Only qualified mental health professionals can diagnose conditions
• For educational and informational purposes only - Results should not be used to self-diagnose or self-treat
• Based on standardized questionnaires - Adaptations of clinically validated instruments for educational use
• Not suitable for crisis intervention - If you are in crisis, please contact emergency services immediately

Important Guidelines:

• High scores do NOT confirm a diagnosis
• Low scores do NOT rule out a condition
• Results may be influenced by temporary mood states
• Professional assessment considers many factors these tools cannot evaluate

Always consult with a licensed psychiatrist, psychologist, or mental health counselor for proper evaluation and treatment.

8. User Accounts

If you create an account on Multicalc:

• You are responsible for maintaining the confidentiality of your login credentials
• You are responsible for all activities that occur under your account
• You must provide accurate and complete information
• You must be at least 13 years old to create an account
• We reserve the right to suspend or terminate accounts that violate these Terms

9. Intellectual Property Rights

All content on Multicalc is owned by us or our content suppliers and protected by copyright and intellectual property laws. You may not reproduce or distribute content without permission.

10. Prohibited Activities

You agree not to:

• Violate any applicable laws
• Infringe on intellectual property rights
• Transmit obscene or defamatory content
• Impersonate others
• Engage in fraud or deception
• Spam or engage in phishing attacks

11. Termination

We may suspend or terminate your access at any time, with or without cause or notice.

12. Governing Law

These Terms are governed by the laws of India and you submit to the jurisdiction of Indian courts.

13. Contact Us

For questions about these Terms, contact: