Terms of Service
Last updated: April 2026 · Effective immediately
1. Acceptance of Terms
By accessing or using EMI24 (emi24.com), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use the service. These terms apply to all visitors, users, and registered account holders.
2. Description of Service
EMI24 provides free financial calculators including EMI (Equated Monthly Instalment), salary and CTC breakdown, income tax (new and old regime), GST, SIP and lumpsum investment returns, fuel cost, unit conversion, age, date difference, work experience, percentage, and fiscal week calculators. The service is provided free of charge and is supported by advertising revenue. We may add, modify, or remove calculators at any time.
3. Disclaimer — Not Financial Advice
Important: All calculations on EMI24 are for informational and illustrative purposes only. They do not constitute financial, investment, tax, or legal advice.
EMI figures are estimates based on standard reducing balance formulae. SIP and investment return projections assume constant annual returns and do not account for market volatility. Income tax calculations are based on published FY 2025-26 slabs and standard deductions — individual liability may differ.
Actual loan terms, interest rates, processing fees, tax liability, and investment outcomes will vary. Always verify with your bank, tax advisor, or financial institution before making any financial decision.
EMI24 is not a registered financial advisor, bank, investment manager, or lending institution under the laws of India or any other jurisdiction.
EMI figures are estimates based on standard reducing balance formulae. SIP and investment return projections assume constant annual returns and do not account for market volatility. Income tax calculations are based on published FY 2025-26 slabs and standard deductions — individual liability may differ.
Actual loan terms, interest rates, processing fees, tax liability, and investment outcomes will vary. Always verify with your bank, tax advisor, or financial institution before making any financial decision.
EMI24 is not a registered financial advisor, bank, investment manager, or lending institution under the laws of India or any other jurisdiction.
4. User Accounts
You may use EMI24 without creating an account. If you create an account:
• You are responsible for maintaining the security of your login credentials
• You must provide accurate information during registration
• You must not share your account with others
• You must be at least 18 years old, or have verifiable parental or guardian consent
• We reserve the right to suspend or terminate accounts that violate these terms
• You are responsible for maintaining the security of your login credentials
• You must provide accurate information during registration
• You must not share your account with others
• You must be at least 18 years old, or have verifiable parental or guardian consent
• We reserve the right to suspend or terminate accounts that violate these terms
5. Acceptable Use
You agree not to:
• Reverse-engineer, scrape, copy, or redistribute EMI24's codebase, design, or data
• Use automated bots, crawlers, or scripts to access the service at scale
• Introduce malicious code or attempt to compromise site security or infrastructure
• Use EMI24 for any unlawful purpose under Indian or applicable international law
• Misrepresent EMI24 calculator outputs as official financial documents or advice
• Attempt to circumvent advertising systems or ad-blocking detection
• Reverse-engineer, scrape, copy, or redistribute EMI24's codebase, design, or data
• Use automated bots, crawlers, or scripts to access the service at scale
• Introduce malicious code or attempt to compromise site security or infrastructure
• Use EMI24 for any unlawful purpose under Indian or applicable international law
• Misrepresent EMI24 calculator outputs as official financial documents or advice
• Attempt to circumvent advertising systems or ad-blocking detection
6. Advertising
EMI24 displays advertisements served by Google AdSense and may include other Google-certified advertising partners. Third-party vendors, including Google, use cookies (including the DART cookie) to serve ads based on a user's prior visits to this website or other websites.
We do not endorse any advertised products or services and are not responsible for the content, accuracy, claims, or safety of third-party advertisements or any sites linked from those advertisements. Any transactions you enter into with advertisers are solely between you and the advertiser.
You may opt out of personalised advertising at google.com/settings/ads. See our Privacy Policy for full details on cookies and ad personalisation.
Ad revenue enables us to keep EMI24 free for all users. Financial data you enter into calculators is never shared with advertisers and is not used for ad targeting. Use of ad blockers is permitted, but interfering with, defrauding, or generating invalid clicks or impressions on ads is strictly prohibited and may result in account termination.
We do not endorse any advertised products or services and are not responsible for the content, accuracy, claims, or safety of third-party advertisements or any sites linked from those advertisements. Any transactions you enter into with advertisers are solely between you and the advertiser.
You may opt out of personalised advertising at google.com/settings/ads. See our Privacy Policy for full details on cookies and ad personalisation.
Ad revenue enables us to keep EMI24 free for all users. Financial data you enter into calculators is never shared with advertisers and is not used for ad targeting. Use of ad blockers is permitted, but interfering with, defrauding, or generating invalid clicks or impressions on ads is strictly prohibited and may result in account termination.
7. Intellectual Property
All content, design, code, branding, and calculator logic on EMI24 is owned by or licensed to EMI24. You may not copy, reproduce, modify, or distribute any part of EMI24 without written permission. Calculator results generated by users for their own personal or professional use are unrestricted.
8. Limitation of Liability
EMI24 is provided "as is" without warranty of any kind, express or implied. To the maximum extent permitted by applicable law, we are not liable for:
• Financial losses or decisions made based on our calculator outputs
• Service interruptions, downtime, or data loss
• Errors or inaccuracies in calculation results due to incorrect inputs or formula limitations
• Actions, content, or services of third-party advertisers or linked websites
As EMI24 is a free service, our total aggregate liability to you for any claim arising from use of the service shall not exceed the amount you paid to access it.
• Financial losses or decisions made based on our calculator outputs
• Service interruptions, downtime, or data loss
• Errors or inaccuracies in calculation results due to incorrect inputs or formula limitations
• Actions, content, or services of third-party advertisers or linked websites
As EMI24 is a free service, our total aggregate liability to you for any claim arising from use of the service shall not exceed the amount you paid to access it.
9. Modifications to Service
We reserve the right to modify, suspend, or discontinue any part of EMI24 at any time without prior notice. We may also update these Terms of Service — the date at the top of this page will reflect the latest revision. Continued use of EMI24 after updates constitutes acceptance of the revised terms.
10. Governing Law & Disputes
These Terms of Service are governed by the laws of India, including the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023. Any disputes arising from your use of EMI24 shall be subject to the exclusive jurisdiction of courts in Bengaluru, Karnataka, India.
11. Contact
For terms-related queries or to report a violation, use our contact form.