Acceptance
By using CM Tools (chandanmajumder.com) you agree to these terms. If you do not agree, please do not use the website.
What CM Tools provides
CM Tools offers free, browser-based financial and utility calculators — such as EMI, loan, DPS, FDR, income tax, salary, VAT, interest and percentage tools — along with explanatory guides. The tools are for general information and personal planning.
Estimates, not advice
All results are estimates generated from the inputs you provide and the assumptions described on each page. They are not financial, tax, legal or investment advice, and they are not an offer or quotation from any bank or institution. Actual rates, fees, taxes and product terms vary — always confirm important figures with your bank, the National Board of Revenue or another official source before acting.
No warranty
The tools are provided "as is" and "as available". We work hard to keep formulas and content correct, but we do not guarantee that the website will be uninterrupted, error-free, or that every figure will match your bank's or the tax authority's exact calculation.
Acceptable use
- Do not attempt to disrupt, overload or reverse-engineer the service.
- Do not scrape or republish the content commercially without permission.
- You may link to any page freely; deep-linking to calculators is welcome.
Changes
We may update these terms, the tools or the content at any time. Material changes will be reflected on this page with a new "last updated" date.
Related policies
See also our Privacy Policy and Disclaimer. Questions can be sent via the Contact page.