Terms and Conditions

Last updated: 1 September 2026

These Terms and Conditions govern your use of GintiSetu and its calculators, tools and informational content.

By accessing or using GintiSetu, you agree to use the website in accordance with these Terms and Conditions. If you do not agree with these terms, you should discontinue use of the website.

Use of the Website

You may use GintiSetu and its calculators for lawful personal, educational and informational purposes.

You agree not to misuse the website, interfere with its normal operation, attempt unauthorized access to the website or its systems, introduce malicious code, or use the website for unlawful activities.

You should also not use automated methods in a manner that places an unreasonable load on the website or disrupts its availability for other users.

Calculator Results

Results generated by GintiSetu calculators are provided primarily for informational and estimation purposes. Results depend on the information, rates and assumptions entered or selected by the user.

Calculator results may differ from official, institutional or professional calculations because of applicable rules, eligibility conditions, rounding methods, rates, fees, taxes or other factors.

Important calculations should be independently verified before being used for financial, employment, academic or other significant decisions.

Government-Related Information

GintiSetu is an independent informational website and is not a government website. Unless explicitly stated, GintiSetu is not affiliated with, authorized by or endorsed by any government department, ministry, commission or other government authority.

Government-related information should be verified from applicable official notifications, orders, circulars and government websites.

Values described as estimated, expected, assumed, illustrative, hypothetical or scenarios should not be interpreted as officially notified government values.

No Professional Advice

The calculators and information available on GintiSetu do not constitute legal, financial, investment, tax, accounting or other professional advice.

Where appropriate, you should consult the relevant authority, institution or qualified professional before making important decisions.

Intellectual Property

Unless otherwise stated, original website design, calculator interfaces, explanatory content and other original materials published on GintiSetu are protected by applicable intellectual property laws.

Third-party names, trademarks, logos and materials, where applicable, remain the property of their respective owners.

Third-Party Services and Links

GintiSetu may use or link to third-party services, including analytics services, advertising providers, government websites and other external information sources.

Third-party websites and services operate independently and may have their own terms, privacy policies and practices. GintiSetu does not control those third-party services or websites.

Advertising

GintiSetu may display advertisements provided by third-party advertising services. The presence of an advertisement does not necessarily constitute an endorsement or recommendation of the advertised product, service or organization.

Website Availability

We aim to keep GintiSetu available and functioning properly, but uninterrupted or error-free availability cannot be guaranteed.

We may modify, update, maintain, temporarily suspend or discontinue parts of the website when reasonably necessary.

Limitation of Liability

To the extent permitted by applicable law, GintiSetu and its operators will not be liable for losses or damages resulting from reliance on calculator estimates, informational content, website interruptions or third-party content, except where liability cannot lawfully be excluded or limited.

Users remain responsible for independently verifying information before relying on it for important decisions.

Privacy

Information about cookies, analytics, advertising and related data practices is available in our Privacy Policy .

Changes to These Terms

We may update these Terms and Conditions from time to time to reflect changes to GintiSetu, its services or applicable requirements.

The latest revision date will be displayed at the top of this page.

Contact Us

If you have questions about these Terms and Conditions, please visit our Contact Us page.