Terms of Service

1. Acceptance of Terms

By accessing or using SahayaDesk and its fourteen modular tools and companion calculators, you agree to comply with and be bound by these Terms of Service. If you do not agree with these terms, please discontinue using the website.

2. Informational & Reference Disclaimers

All utilities provided on this website are designed for educational, estimation, and general reference purposes only:

• Tax & Financial Calculators (Take-Home Salary Calculator, Rupee Lab & Policy Lens): Results are estimates based on standard statutory formulas (Income-tax Act provisions, monthly reducing-balance compounding, and IRDAI public disclosures). They do not constitute certified Chartered Accountant (CA), banking, taxation, or insurance underwriting advice.
• Land Area & Stamp Duty (Bhoomi Measure): Stamp duty, registration fees, and transfer surcharges vary across state jurisdictions, local municipalities, and gender concessions. Users must confirm current circle rates with the relevant Sub-Registrar Office before executing deeds.
• Daily Bullion & Fuel Rates (Rate Watch): Rates reflect indicative market prices from referenced industry sources and may fluctuate throughout trading sessions.
• Government Schemes, Job Notifications & College Examinations: Rules, eligibility thresholds, hall ticket release dates, and application deadlines are subject to official gazette and university revisions. Always consult the official recruitment commission, board, or university portal before submitting applications or fees.

3. Advertising, Affiliate Links & Editorial Independence

SahayaDesk is supported in Phase 1 solely through approved display advertising and clearly disclosed partner affiliate links (carrying rel="sponsored noopener noreferrer"). No commercial relationship ever alters calculator outputs, tax regime estimates, or official recruitment and examination records.

4. No Copyrighted Content Hosting

SahayaDesk does not host, stream, or distribute copyrighted media or pirated materials. All utilities provide computational calculators, open-licensed revision notes, and links to official, legitimate educational portals and statutory resources.

5. Intellectual Property

The software architecture, user interface design, SVG illustrations, and compilation of tools are the intellectual property of SahayaDesk. All registered trademarks, company names, vehicle models, university names, and government insignia belong to their respective statutory owners.

6. Limitation of Liability

In no event shall SahayaDesk or its authors be liable for any direct, indirect, incidental, or consequential damages resulting from reliance on calculations, missed application deadlines, typographical errors, or external portal outages.