Site Disclaimer

1.General Disclaimer

The information and tools provided on smcalc.com ("the Site") are intended for general informational and convenience purposes only. While we make every reasonable effort to ensure the accuracy and reliability of our tools and content, SM Calculators Ltd ("we," "us," or "our") makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability of any tool, information, product, service or related content on the Site.

Your use of any information or tool on this Site is entirely at your own risk. We will not be liable for any loss or damage - direct, indirect, incidental or consequential - arising from your use of or reliance on any tool or content on this Site.

2.No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, SM CALCULATORS EXPRESSLY DISCLAIMS ALL WARRANTIES INCLUDING, WITHOUT LIMITATION:

• Warranties of merchantability or fitness for a particular purpose.
• Warranties that the Service will be uninterrupted, error-free or free from viruses or harmful components.
• Warranties that results obtained from using our tools will be accurate or reliable.
• Warranties that defects will be corrected.

3.Financial Tools Disclaimer

All financial calculators on SM Calculators - including but not limited to EMI calculators, SIP calculators, loan calculators, tax estimators, mortgage calculators, investment return calculators and currency converters - are provided for general informational and educational purposes only.

• Results are indicative estimates based on the inputs you provide and standard mathematical formulas. They do not account for every variable that affects real-world financial outcomes.
• Nothing on this Site constitutes financial advice, investment advice, tax advice or any form of professional financial recommendation.
• Interest rates, tax bands, currency rates and other financial parameters change over time. Always verify current rates with your bank, financial institution or HMRC/relevant tax authority.
• Before making any financial decision - including taking a loan, making an investment or filing taxes - consult a qualified independent financial adviser or accountant regulated by the appropriate authority in your jurisdiction.

4.Health & Medical Tools Disclaimer

All health, fitness and wellness tools on SM Calculators - including BMI calculators, calorie calculators, health screening questionnaires (GAD-7, PHQ-9, PSS), sleep calculators and related tools - are provided for general educational purposes only.

• These tools do not constitute medical advice, medical diagnosis, clinical assessment or medical treatment.
• Results from mental health screening tools (such as GAD-7 or PHQ-9) are not diagnostic. They are self-administered screening instruments intended to prompt reflection, not replace professional evaluation.
• If you are experiencing health concerns - physical or mental - please consult a qualified healthcare professional. In an emergency, contact your local emergency services.
• SM Calculators is not a registered medical provider and does not have a medical director. We are a technology platform, not a healthcare service.

5.Legal Tools Disclaimer

Legal document generators and templates on SM Calculators - including NDA generators, privacy policy generators, terms of service creators and legal letter templates - are provided as starting-point templates for general guidance only.

• These tools do not constitute legal advice and do not create a solicitor-client relationship between you and SM Calculators.
• Legal requirements vary significantly by jurisdiction, industry and specific circumstances. A template that is appropriate in one context may be inadequate or invalid in another.
• For any legally significant matter - contracts, employment agreements, intellectual property, compliance, litigation or regulatory matters - always consult a qualified solicitor or lawyer licensed in the relevant jurisdiction.

6.AI-Generated Content

AI Writing tools on SM Calculators produce content using large language models. AI-generated content:

• May contain factual errors, outdated information, hallucinations or inaccuracies.
• Should always be reviewed, fact-checked and edited by a human before publication or distribution.
• Is not a substitute for expert human writing in regulated fields (medical, legal, financial, journalistic).
• May not be protectable by copyright in all jurisdictions - legal status varies. Consult a copyright lawyer for commercial use cases.

We are not responsible for any harm, loss or legal consequences arising from the use of AI-generated content without appropriate human review.

7.Accuracy of Calculators

While we make every effort to ensure our calculators use correct and up-to-date formulas, we cannot guarantee that all results are 100% accurate in all circumstances. Calculators are based on mathematical models and standard formulas - actual outcomes may vary due to factors outside the scope of the tool. We update our tools regularly, but we cannot guarantee they reflect the very latest regulatory or data changes at all times.

8.External Links Disclaimer

The Site may contain links to external websites operated by third parties. These links are provided for your convenience and information only. SM Calculators does not endorse, monitor or control the content or practices of linked third-party sites. We are not responsible for the content, availability, accuracy or privacy practices of any external site. Your use of any linked site is subject to that site's own terms and policies.

9.No Professional Relationship

Use of SM Calculators does not create any professional relationship - including but not limited to financial adviser/client, doctor/patient, solicitor/client or therapist/patient - between you and SM Calculators or any of its team members. Any information we provide is general in nature and must not be relied upon as professional advice for your specific situation.

10.Limitation of Liability

In no event shall SM Calculators, its directors, employees, partners or agents be liable for any indirect, incidental, special, consequential or punitive damages - including loss of profits, data, goodwill or other intangible losses - resulting from (i) your use of or inability to use the Service; (ii) your reliance on any tool output or content; (iii) unauthorised access to or alteration of your data; or (iv) any other matter relating to the Service. This limitation applies regardless of the theory of liability and even if SM Calculators has been advised of the possibility of such damages.

11.Contact Us

If you have questions about this Disclaimer or believe any of our tools contain a significant error, please contact us: