Terms & Conditions

1. Informational & Educational Use Only (Non-Advice Disclaimer)

Nothing on this website constitutes professional financial advice, tax advisory, chartered accountancy (CA) consultancy, legal counsel, or SEBI-registered investment recommendation. Users should always consult a licensed Chartered Accountant, legal professional, or SEBI-registered Investment Adviser before taking major financial steps, submitting tax filings, resigning from employment, or signing loan documents.

2. Regulatory Accuracy & Statutory Assumptions

Our calculators utilize mathematical algorithms constructed from official Indian statutory frameworks, including:

• Payment of Gratuity Act, 1972: Section 4(2) formula for covered establishments (15/26 x Last Drawn Basic+DA x Completed Years) and non-covered organizations.
• Employees' Provident Funds Act, 1952: Official EPFO interest declarations (currently 8.25% p.a.) and statutory wage ceiling limits.
• Income Tax Act, 1961: Union Budget tax slabs (New Tax Regime vs. Old Tax Regime), Section 87A rebate limits, and standard deduction provisions.
• CBIC Central Goods & Services Tax (CGST) Act, 2017: Statutory GST percentage rates (5%, 12%, 18%, 28%) and reverse GST calculations.

While our editorial team conducts rigorous updates whenever the Central Board of Direct Taxes (CBDT), EPFO, or the Ministry of Labour publishes gazette revisions, statutory rules, ceilings, and interest rates are subject to governmental amendments. We make no representations or warranties regarding 100% real-time infallibility.

3. Permitted & Prohibited Use

You are granted a non-exclusive, non-transferable, revocable license to access and use our calculation utilities for personal or internal organizational estimation.

You agree NOT to:

• Deploy automated scripts, bots, spiders, or scrapers to extract calculator logic or content.
• Attempt to reverse-engineer, decompile, or tamper with client-side JavaScript calculation modules.
• Frame or hotlink calculator assets within any third-party website without explicit written consent.
• Impersonate or misrepresent affiliation with Gratuity Calculator India or Indian regulatory departments.

4. Intellectual Property Rights

All original content, visual layouts, branding, domain names, UI components, custom SVG graphics, and editorial guides published on gratuitycalculatorindia.in are the exclusive property of Gratuity Calculator India and are protected under Indian and international copyright and trademark laws.

Statutory formulas (such as the 15/26 formula prescribed by the Payment of Gratuity Act) are public law and not proprietary; however, our bespoke code implementations, interactive visualizations, and curated editorial explanations remain proprietary.

5. Limitation of Liability

To the fullest extent permitted by applicable Indian law, Gratuity Calculator India, its authors, editors, developers, and operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of:

• Any discrepancy between our calculator estimates and final employer payroll settlements.
• Any difference between projected tax liabilities and official assessments issued by the Income Tax Department.
• Decisions regarding loan prepayments, mutual fund SIP investments, or PF withdrawals executed in reliance upon calculator outputs.
• Temporary service interruptions, bugs, or downtime.

6. Third-Party Links & Advertisements

Our website includes citations to official government departments (such as EPFO, Ministry of Finance, and Income Tax Department) and may feature third-party advertisements. We do not endorse, inspect, or assume responsibility for content, services, or privacy policies of third-party platforms.

7. Governing Law & Jurisdiction

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Republic of India. Any disputes arising out of or related to these terms shall be subject to the exclusive jurisdiction of the competent courts in India.