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Agreement to Terms
By downloading, installing, or using MultiCal, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our application.
1. Acceptance of Terms
These Terms of Service ("Terms") govern your use of the MultiCal mobile application and web service ("Service") provided by Skyloom Technologies ("Company," "we," "us," or "our").
By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.
Eligibility
- You must be at least 13 years old to use this Service
- If you are under 18, you must have parental consent
- You must have the legal capacity to enter into this agreement
- You must comply with all applicable laws and regulations
2. Description of Service
MultiCal is an all-in-one calculator application that provides various financial and mathematical calculation tools, including:
- Compound Interest Calculator
- SIP (Systematic Investment Plan) Calculator
- Step-up SIP Calculator
- EMI (Equated Monthly Installment) Calculator
- Simple Interest Calculator
- Rule of 72 Calculator
- Compounding Lab for advanced calculations
Service Features
- Local data storage for privacy
- Multiple currency and unit support
- Export and sharing capabilities
- Offline functionality
- Regular updates and improvements
3. User Responsibilities
As a user of MultiCal, you agree to:
Proper Use
- Use the Service only for lawful purposes
- Provide accurate information when required
- Maintain the security of your device and data
- Report any bugs or security issues promptly
Data Accuracy
- Verify all calculations independently for important financial decisions
- Understand that results are estimates and not financial advice
- Consult with qualified professionals for significant financial planning
- Keep backup copies of important calculations
Account Security
- Protect your device with appropriate security measures
- Not share your device with unauthorized users
- Notify us immediately of any security breaches
- Use strong passwords and enable device security features
4. Prohibited Uses
You may not use MultiCal for any of the following purposes:
Illegal Activities
- Any unlawful or fraudulent activity
- Violating any applicable laws or regulations
- Infringing on intellectual property rights
- Transmitting malicious code or viruses
Harmful Behavior
- Attempting to reverse engineer or decompile the app
- Interfering with the Service's operation
- Attempting to gain unauthorized access to our systems
- Using automated tools to access the Service
Commercial Use
- Reselling or redistributing the Service without permission
- Using the Service for commercial purposes without authorization
- Creating derivative works based on our Service
5. Intellectual Property
Our Rights
MultiCal and its original content, features, and functionality are owned by Skyloom Technologies and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
Your Rights
- You retain ownership of data you input into the Service
- You may export your calculation data
- You may use the Service for personal, non-commercial purposes
License Grant
We grant you a limited, non-exclusive, non-transferable license to use MultiCal for personal, non-commercial purposes in accordance with these Terms.
6. Disclaimers and Limitations
Important Financial Disclaimer
MultiCal provides calculation tools for informational purposes only. The results are estimates and should not be considered as financial, investment, or professional advice. Always consult with qualified financial advisors before making important financial decisions.
Service Availability
- The Service is provided "as is" without warranties of any kind
- We do not guarantee uninterrupted or error-free service
- We may modify or discontinue features at any time
- We are not responsible for third-party service interruptions
Limitation of Liability
To the maximum extent permitted by law, Skyloom Technologies shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Loss of profits, data, or business opportunities
- Financial losses resulting from calculation errors
- Damages resulting from Service interruptions
- Any other damages arising from your use of the Service
Calculation Accuracy
While we strive for accuracy, calculation results may contain errors due to rounding, formula variations, or other factors. Always verify important calculations independently.
7. Privacy Policy
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service.
By using MultiCal, you agree to the collection and use of information in accordance with our Privacy Policy.
Key Privacy Points
- Most data is stored locally on your device
- We collect minimal analytics data for app improvement
- We do not sell your personal information
- You can control data collection in app settings
8. Modifications to Service
Service Updates
We reserve the right to modify, update, or discontinue the Service at any time without notice. We may also:
- Add new features or remove existing ones
- Change the user interface or functionality
- Update calculation formulas or methods
- Modify system requirements
Terms Updates
We may update these Terms from time to time. We will notify you of significant changes by:
- Posting the updated Terms on our website
- Sending an email notification
- Showing a notice in the app
Your continued use of the Service after changes constitutes acceptance of the new Terms.
9. Termination
Your Right to Terminate
You may stop using the Service at any time by:
- Uninstalling the app from your device
- Clearing all app data
- Contacting us to request account deletion
Our Right to Terminate
We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including:
- Violation of these Terms
- Fraudulent or illegal activity
- Technical or security reasons
- Discontinuation of the Service
Effect of Termination
- Your right to use the Service will cease immediately
- You may lose access to your data
- We may delete your account and data
- Certain provisions of these Terms will survive termination
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.
Dispute Resolution
Any disputes arising from these Terms or your use of the Service shall be resolved through:
- Good faith negotiations first
- Mediation if negotiations fail
- Binding arbitration as a last resort
- Courts of competent jurisdiction in India
Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.