Terms of Service
Last updated: January 2026
Welcome to Bharat Savings. By using this app, you agree to these terms. Please read them carefully before using any of the calculators or features.
Acceptance of Terms
By downloading, installing, or using Bharat Savings, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the app.
Purpose of the App
Bharat Savings is designed as an educational and planning tool. It provides calculators for various Indian government savings schemes (SSA, PPF, NPS, SCSS), tax planning under Section 80C, and loan EMI calculations. The app is meant to help you understand and plan your finances.
Financial Disclaimer
This app provides estimates and projections only. The calculations are based on current interest rates and rules which may change. We are not financial advisors. Always consult a qualified financial advisor or the official scheme documents before making investment decisions. Past performance does not guarantee future results.
Limitation of Liability
Bharat Savings and its creators shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this app. We are not responsible for any financial decisions you make based on the calculations provided. Use this app at your own risk.
Accuracy of Information
While we strive to keep interest rates and calculation formulas up-to-date, we cannot guarantee 100% accuracy at all times. Government rates change periodically. Always verify current rates from official sources like the Ministry of Finance or Reserve Bank of India.
Prohibited Uses
You may not use this app for any illegal purpose, attempt to reverse-engineer or modify the app, or misrepresent the app's calculations as official financial advice. Commercial redistribution without permission is prohibited.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be reflected by updating the "Last updated" date. Continued use of the app after changes constitutes acceptance of the new terms.
Governing Law
These terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in India.
By Using This App, You Agree
These calculations are for informational purposes only and should not be considered financial advice.