Disclaimer & Privacy Policy

1. Informational Purpose Only

The calculations produced by CalcNook tools are based on formulas derived from publicly available information, including the Income Tax Act (India), SEBI regulations, and standard financial mathematics. However, individual financial situations can be complex and may not be fully captured by any calculator.

Always consult a qualified Chartered Accountant (CA), financial advisor, or tax professional before making financial decisions based on our results. CalcNook is not responsible for any financial loss or tax liability arising from reliance on our tools.

2. Not Financial or Tax Advice

Nothing on CalcNook.com constitutes financial advice, investment advice, trading advice, or any other professional advice regulated by SEBI, RBI, IRDA, or any other regulatory body. The site and its tools are operated for informational purposes only.

• ✗Results from our income tax calculator are not a substitute for a CA-filed tax return.
• ✗SIP/mutual fund return projections are illustrative and past performance does not guarantee future returns.
• ✗EMI calculations assume fixed interest rates; actual bank EMIs may vary.
• ✗Gratuity, HRA, and other employment benefit calculations are approximate and may not account for employer-specific policies.

3. Accuracy & Limitations

We make every effort to keep our calculators accurate and up-to-date. Our team reviews tools after every Union Budget and regulatory change. However:

• Tax laws and slabs change frequently; always verify with the latest IT Act provisions.
• Interest rates for FD, RD, and PPF are indicative; actual rates vary by bank and quarter.
• Currency conversion rates (if applicable) are not real-time.
• Rounding differences of a few rupees may exist between our output and official government portals due to different rounding conventions.

If you discover an inaccuracy, please report it to us and we will investigate and correct it promptly.

4. Privacy Policy

4.1 Data We Do NOT Collect

• Your salary, income, or tax details
• Investment amounts, portfolio values, or financial goals
• Personal identifiers (name, PAN, Aadhaar, email — unless you contact us)
• Health metrics entered into BMI or TDEE calculators
• Any calculator inputs or outputs

All calculator logic runs entirely in your browser using JavaScript. No data is ever sent to our servers.

4.2 Analytics

We use Google Analytics to understand aggregate, anonymized traffic patterns (e.g., which calculators are most popular, page load times, country of origin). This data is not linked to any personal identifiers. We do not use user-level tracking or remarketing lists.

4.3 Advertising

CalcNook may display non-personalized ads via Google AdSense or similar platforms. These networks may use cookies to serve ads based on general content categories, not your personal data. You can opt out of personalized ads via Google Ad Settings.

4.4 Third-Party Links

CalcNook may contain links to external websites. We are not responsible for the privacy practices of those sites. Please review their individual privacy policies.

5. Cookie Policy

CalcNook uses minimal cookies:

You can disable cookies in your browser settings at any time. Disabling analytics cookies will not affect any calculator functionality.

6. Contact & Questions

If you have questions about this policy, want to report an inaccuracy, or need to request data deletion (not applicable as we collect none), please contact us: