Terms of Use
for EMI Sarthi.
Please read these Terms of Use carefully before using EMI Sarthi. By accessing or using our website and calculators, you agree to these terms.
01. Permitted Use & Scope
EMI Sarthi grants you a revocable, non-exclusive, non-transferable, limited right to access and use our website and mathematical calculation tools strictly for personal, educational, non-commercial, and lawful purposes.
You agree not to scrape, bulk automate, reverse-engineer, attempt to disrupt website availability, or misrepresent calculations generated by the platform as certified banking documentation.
02. Informational Purpose of Calculator Results
All calculation outputs, repayment amortization schedules, interest totals, prepayment models, e-commerce financing comparisons, and tranche disbursement estimates generated on EMI Sarthi are mathematical estimates.
No Financial, Legal, or Tax Advice
EMI Sarthi does not provide personalized banking, investment, legal, or tax advice. The tools are designed to illustrate general financial principles and help you conceptualize borrowing costs. They do not constitute an offer of credit, pre-approval, or guarantee of terms from any lender.
03. Accuracy Limitations & Rounding
While we strive to ensure our calculation engines follow widely accepted financial math standards (such as reducing balance monthly compounding and Actual/365 day-count conventions), real-world loan contracts may vary:
- Rounding Differences: Banks may round installments to the nearest rupee, truncate paise, or adjust residual amounts in the final month.
- Calendar Conventions: Scheduled payments, non-business days, leap years, and specific debit cycle dates can alter day-by-day interest accruals.
- Taxes and Surcharges: Processing fees, documentation fees, and interest subvention discounts may attract government taxes (such as 18% Goods & Services Tax) that vary by lender category.
04. User Verification Responsibility
You acknowledge and agree that it is your sole responsibility to review the sanction letters, key fact statements (KFS), loan agreements, and official amortization schedules provided by your lender or retail financier before making any financial commitment, signing credit documents, or making prepayments.
05. Intellectual Property
The design system, layout, visual presentation, branding elements, typography combinations, code, and textual explanations on EMI Sarthi are the intellectual property of the platform operators and are protected by applicable copyright and trademark laws.
06. Website Availability & Modifications
We reserve the right to modify, suspend, update, or discontinue any feature, calculator, or page on the website at any time without prior notice. We do not warrant that the website will always be uninterrupted, error-free, or compatible with every browser configuration.
07. Limitation of Liability
To the fullest extent permitted by applicable law, EMI Sarthi and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Your use of, or inability to use, any calculator or material on the website.
- Any variance between our calculator estimates and the actual figures demanded or charged by a bank or financial institution.
- Any financial decisions, borrowing commitments, or prepayment choices made based on information obtained from this platform.
08. Inquiries Regarding Terms
If you have any questions about these Terms of Use, please reach out to us at:
Email: hello@emisarthi.com