Terms of Use

Agreeing to these terms

These terms apply to the EMI Calculator app ("the app") made by Dsky Solution ("we", "us"). By downloading or using the app, you agree to them. If you don't agree, please don't use the app.

What the app does

The app is a set of calculators: loan EMI, loan amount, tenure and interest rate, true rate (APR) with fees, prepayment and loan comparison; SIP, lumpsum, FD, RD and PPF; income tax, HRA and GST; and a currency converter. It works on the numbers you enter and shows the results on your phone.

Estimates, not advice

Every result in the app is an estimate to help you plan. It is not financial, investment, tax or legal advice, and it is not an offer or quote from any bank or lender.

• Loans: your actual EMI, interest, fees and schedule are set by your lender and your loan agreement. Lenders may round differently, charge fees we don't know about, or change rates over the loan.
• Investments: SIP, lumpsum and mutual fund returns are not guaranteed. The app uses the return rate you enter; real returns go up and down with the market. FD, RD and PPF results use the rate you enter and may differ from your bank's figures.
• Tax: income tax, HRA and GST results follow our reading of the rules for FY 2026-27 and the GST rates current on the effective date above. Tax rules change and your situation may need more than the app covers. Confirm with a qualified tax professional or the Income Tax Department before filing.
• Currency: exchange rates come from a third-party service, are updated about once a day and are for reference only. Banks and money changers use their own rates and charges.

Please check any number that matters with your bank, lender, fund house or tax adviser before you make a decision.

We don't provide loans or financial services

We do not offer, arrange, recommend or compare actual loans, investment products or insurance. We are not a bank, lender, broker or financial adviser, and we are not connected to any bank or lender. Loan types in the app (home, car, bike, personal, education, gold, business) are presets to help you start, not products.

Using the app

You may use the app for your own personal or business planning. Please don't:

• copy, modify, decompile or resell the app, its design or its code;
• use the app to break any law;
• present the app's results to others as an official quote, tax computation or guarantee.

You can share PDFs and results you create in the app; you are responsible for where you send them.

Your data

The app has no account and does not collect personal information. What you enter stays on your phone. Our Privacy Policy explains this in full.

Third-party services

Currency rates are provided by ExchangeRate-API. The app is distributed through Google Play, and your use of Google Play is covered by Google's own terms. We are not responsible for these services being available or accurate.

Ownership

The app, its name, logo, design and code belong to Dsky Solution. These terms give you permission to use the app; they don't transfer any ownership to you.

No warranty

We work hard to keep the calculations correct, but the app is provided "as is" and "as available", without any warranty that it will be error-free, uninterrupted or suited to a particular purpose.

Limitation of liability

To the extent the law allows, Dsky Solution is not liable for any loss or damage, including financial loss, that comes from using or relying on the app or its results. You decide how to use the results, and you are responsible for your financial, tax and borrowing decisions.

Updates and changes

We may update the app, add or remove features, or stop offering it. We may also change these terms. When we do, we will update this page and the effective date at the top. Using the app after a change means you accept the new terms.

Governing law

These terms are governed by the laws of India, and any dispute will be handled by the courts of India.

Contact

Questions about these terms or the app:

diptenu@dskysolution.com