Terms & Conditions
Last Updated: July 2026. Terms of use and calculation disclaimers.
1. Acceptance of Terms
Welcome to WHealthCalculator.com ("WHealth Calculator", "we", "our", or "us"). These Terms & Conditions ("Terms") govern your access to and use of WHealthCalculator.com, including all calculators, planners, tools, content, features, and related services (collectively, the "Services").
By accessing or using WHealthCalculator.com, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree with any part of these Terms, you must discontinue using the Services immediately.
2. Medical Disclaimer
The health-related calculators, nutritional estimates, diet plans, meal suggestions, fitness recommendations, and wellness information available on WHealth Calculator are provided solely for educational and informational purposes. They do not constitute medical advice, diagnosis, treatment, or individualized healthcare recommendations.
Always consult a qualified physician, registered dietitian, certified nutritionist, or other licensed healthcare professional before starting or modifying any diet, exercise program, bodybuilding routine, weight-loss plan, medication, or other healthcare regimen. Never disregard or delay seeking professional medical advice because of information obtained from WHealth Calculator.
3. Financial Disclaimer
The financial calculators and planning tools provided by WHealth Calculator, including but not limited to the EMI Calculator, SIP Calculator, Retirement Planner, Financial Portfolio Planner, and other investment-related calculators, are mathematical simulation models intended solely for educational and informational purposes. They illustrate estimated scenarios based on the information provided by users and do not guarantee actual investment returns, loan approvals, financial performance, or future market outcomes.
WHealth Calculator is not a registered financial adviser, investment broker, or portfolio manager and does not provide personalized financial, investment, tax, or legal advice. Always consult a qualified financial professional or a SEBI-registered investment adviser before making financial or investment decisions.
4. Accuracy of Calculations
We strive to provide reliable calculations using widely accepted formulas and methodologies. However, WHealth Calculator does not warrant or guarantee that:
- Every calculation is completely accurate or free from errors.
- Every recommendation is suitable for every individual.
- Every result is complete, current, or applicable to your specific circumstances.
- Calculator outputs will precisely reflect real-world outcomes.
All calculator results are estimates generated solely from the information provided by users.
Users are solely responsible for verifying all results before making any medical, nutritional, financial, or investment decisions.
5. License and Acceptable Use
Subject to these Terms, WHealth Calculator grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Services solely for your personal and non-commercial use.
You agree not to:
- Use the Services in any manner that may damage, disable, overburden, or impair our servers or infrastructure.
- Attempt to reverse engineer, decompile, scrape, extract, or reproduce any part of the Services, including calculator logic, algorithms, APIs, autocomplete suggestions, or underlying assets, without prior written permission.
- Circumvent, interfere with, or compromise the security or functionality of the Services.
- Redistribute or present calculations or recommendations generated by WHealth Calculator as professional medical, nutritional, financial, or investment advice without appropriate disclosure.
- Use automated tools, bots, or scripts to access the Services in a manner that negatively impacts performance or availability.
6. Intellectual Property Rights
Ownership of Services: Except for any third-party code, open-source libraries, design assets, trademarks, or APIs integrated herein, all content, features, functionality, and proprietary elements of the Services (including but not limited to the "WHealth Calculator" brand, logos, custom website design, text, custom calculator algorithms, layout, and software) are owned by us, our licensors, or other providers of such material and are protected by Indian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
Third-Party Assets: Any third-party software, libraries, code frameworks (such as Astro, Tailwind CSS, etc.), fonts, icons, APIs, or designs used on WHealthCalculator.com remain the sole property of their respective owners. These assets are utilized in accordance with their respective open-source licenses or commercial permissions. Nothing in these Terms grants you any right, title, or interest in or to such third-party intellectual property.
Restrictions: You must not reproduce, distribute, modify, create derivative works of, publicly display, or republish any part of our proprietary content or software without our prior written permission.
7. Third-Party Services
The Services may contain links to third-party websites or integrate third-party APIs, analytics services, payment processors, advertisements, or other external services.
WHealth Calculator does not own or control these third-party services and is not responsible for their content, availability, privacy practices, or terms of use.
Your use of any third-party service is governed exclusively by the applicable terms and policies of that third party.
8. Privacy
Your use of the Services is also governed by our Privacy Policy.
By using WHealthCalculator.com, you acknowledge and consent to the collection, storage, and processing of information as described in our Privacy Policy.
9. Availability of Services
We reserve the right, at our sole discretion and without prior notice, to:
- Modify or update the Services.
- Introduce new features.
- Remove existing features.
- Suspend or discontinue any calculator or tool.
- Perform scheduled or emergency maintenance.
- Restrict access where necessary.
We do not guarantee that the Services will always be available, uninterrupted, secure, or error-free.
10. Limitation of Liability
To the fullest extent permitted by applicable law, WHealth Calculator, its owners, developers, contributors, affiliates, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to:
- Your use or inability to use the Services.
- Reliance on calculator results, diet plans, nutritional recommendations, or financial projections.
- Health-related decisions.
- Financial or investment decisions.
- Loss of profits, revenue, or data.
- Technical failures, interruptions, or website downtime.
Your use of WHealthCalculator.com is entirely at your own risk.
11. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India.
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of WHealthCalculator.com shall be subject to the exclusive jurisdiction of the competent courts located in Kolkata, West Bengal, India.