Terms and Conditions

Contents

1. Acceptance of terms 2. Nature of the service 3. No professional advice 4. Accuracy of calculator results 5. Permitted use 6. Intellectual property 7. Third-party links 8. Limitation of liability 9. Governing law 10. Changes to these terms 11. Contact

By accessing or using SalaryToSavings.site ("the Site", "we", "our"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use this website.

These terms apply to all visitors, users, and any others who access or use the Site. We reserve the right to update these terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of the revised terms.

SalaryToSavings.site provides free online financial calculators designed to help Indian salaried employees — particularly government employees — estimate retirement benefits, EMI obligations, tax liability, and investment growth.

All calculators are provided for informational and educational purposes only. The results they produce are estimates based on the inputs you provide and the formulas embedded in the tool. They are not financial advice, legal advice, or official government figures.

Nothing on this website constitutes financial, legal, tax, or investment advice. The calculators and any content on the Site are for general informational purposes only.

Before making any significant financial decision — including retirement planning, investment choices, or loan commitments — you should consult a qualified and registered financial advisor, tax professional, or legal advisor.

We are not responsible for any financial decisions you make based on results from our calculators.

We make every reasonable effort to ensure our calculators use correct and up-to-date formulas, sourced from official government documents, Pay Commission reports, and relevant legislation.

However, we cannot guarantee that results are accurate in every case. Formulas may change following government notifications, court orders, or policy updates. The 8th Pay Commission has not yet submitted final recommendations; our 8th CPC calculator uses scenario-based estimates, not official figures.

It is your responsibility to verify important figures with official sources or your employer's HR/payroll department before acting on them.

You may use SalaryToSavings.site for personal, non-commercial purposes — to calculate estimates for your own financial planning.

You may not:
– Reproduce, republish, or distribute calculator outputs or site content without attribution.
– Scrape, crawl, or systematically extract data from the Site using automated tools.
– Use the Site in any way that could damage, disable, or impair the Site or its servers.
– Attempt to gain unauthorised access to any part of the Site.
– Use the Site for commercial purposes — including reselling calculator results, embedding our calculators in paid services, or representing our outputs as your own product — without prior written permission.

All content on SalaryToSavings.site — including text, calculator designs, code, graphics, and branding — is the intellectual property of SalaryToSavings.site or its licensors.

The underlying formulas for gratuity, pension, and EPF are derived from Indian legislation and government circulars, which are public domain. However, our specific implementation, UI, and written content remain our property.

You may link to our calculators and reference our site with proper attribution. You may not copy or embed our calculators on other websites without permission.

Our website may contain links to third-party websites, including government portals, official documents, and reference sources. These links are provided for your convenience.

We do not control, endorse, or assume responsibility for the content or practices of any third-party website. We encourage you to review the privacy policies and terms of any third-party sites you visit.

To the fullest extent permitted by applicable law, SalaryToSavings.site and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

– Your use of, or inability to use, any calculator or content on the Site.
– Errors, inaccuracies, or omissions in calculator results.
– Any financial decisions made based on information or results from the Site.
– Unauthorised access to or alteration of your data.

The Site is provided "as is" and "as available" without warranties of any kind, express or implied.

These Terms and Conditions are governed by and construed in accordance with the laws of India. Any disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the courts of India.

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the Site. The "Last updated" date at the top of this page will reflect the most recent revision.

We encourage you to review these terms periodically. Continued use of the Site after changes constitutes acceptance of the revised terms.

If you have any questions about these Terms and Conditions, please contact us at:
Salarytosavings@proton.me