Terms and Conditions

Welcome to LoanVsFD.com and the LoanVsFD Android Application (“LoanVsFD App”). These Terms and Conditions (“Terms”) govern your access to and use of LoanVsFD.com, the LoanVsFD App, and all associated tools, calculators, content, and services (collectively referred to as “the Services”). By accessing or using the Services, you agree to comply with and be legally bound by these Terms in their entirety. If you do not agree, please discontinue use of the Services immediately.

1. Scope of Services

The Services, including but not limited to Loan vs Fixed Deposit calculators, SIP vs EMI tools, and all financial comparison or advisory features, are provided solely for educational, informational, and advisory purposes. Neither LoanVsFD.com nor the LoanVsFD App provides professional financial, investment, tax, accounting, or legal advice.

You are strongly advised to consult with licensed professionals before making any financial decisions.

2. Accuracy and Reliability of Results

The results generated by the calculators are based on mathematical models, assumptions, and user-provided inputs. LoanVsFD.com and the LoanVsFD App do not guarantee accuracy, completeness, or applicability. Real-world results may vary due to interest rate changes, inflation, market fluctuations, or regulatory amendments.

3. No Liability and Warranty Disclaimer

The Services are provided “as-is” without warranties of any kind. LoanVsFD.com, the LoanVsFD App, their owners, developers, and affiliates disclaim any liability for loss, damage, or consequences resulting from reliance on the Services. We do not warrant that the Services will be error-free, uninterrupted, secure, or virus-free.

4. User Responsibility

You acknowledge that you are solely responsible for the interpretation, use, and consequences of the data or results provided. You agree not to hold LoanVsFD.com, the LoanVsFD App, or their representatives liable for any decisions, actions, or outcomes based on the Services.

5. Indemnification

You agree to indemnify, defend, and hold harmless LoanVsFD.com, the LoanVsFD App, their owners, developers, affiliates, and partners against any claims, damages, losses, liabilities, or expenses (including legal fees) arising from your use of the Services or violation of these Terms.

6. Third-Party Links and Advertisements

The Services may include links or advertisements from third-party websites, applications, or services. LoanVsFD.com and the LoanVsFD App have no control over such content and disclaim any responsibility for its accuracy, legality, reliability, or availability.

7. Privacy Policy

Your use of the Services is also governed by our Privacy Policy. By using LoanVsFD.com or the LoanVsFD App, you consent to the collection and use of your data as described in our Privacy Policy.

8. Changes and Updates

We reserve the right to update, revise, or amend these Terms at any time without prior notice. It is your responsibility to review these Terms periodically. Continued use of the Services after changes constitutes your acceptance of the updated Terms.

9. Intellectual Property Rights

All content, tools, calculators, code, trademarks, logos, and designs within LoanVsFD.com and the LoanVsFD App are the exclusive intellectual property of LoanVsFD.com. Unauthorized copying, distribution, modification, or commercial use is strictly prohibited without prior written consent.

10. Prohibited Uses

You agree not to misuse the Services, including but not limited to engaging in illegal activities, reverse engineering, hacking, attempting to gain unauthorized access, introducing malicious code, or misrepresenting data.

11. Limitation of Liability

To the maximum extent permitted by law, LoanVsFD.com and the LoanVsFD App shall not be liable for any direct, indirect, incidental, special, or consequential damages, including but not limited to financial losses, data loss, or service disruption.

12. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Pune, Maharashtra, India.

13. Termination of Access

We reserve the right to suspend or terminate your access to the Services at our sole discretion, without prior notice, if we believe you have violated these Terms.

14. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and LoanVsFD.com / LoanVsFD App. They supersede any prior agreements, understandings, or representations.

15. Contact Information

For questions or concerns about these Terms, please contact us at loanvsfd@gmail.com or through the Contact Us page.

16. Acknowledgment

By using LoanVsFD.com or the LoanVsFD App, you acknowledge that you have read, understood, and agreed to these Terms and Conditions in full.

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