Terms of Use
Rules governing your use of MyEMIGuru
Last Updated: January 2025. Please read these Terms of Use carefully before using MyEMIGuru at www.myemiguru.com. By accessing our website, you accept and agree to be bound by these terms.
1. Acceptance of Terms
By accessing or using MyEMIGuru, you confirm that you are at least 18 years of age, are capable of entering into a legally binding agreement, and agree to these Terms of Use and our Privacy Policy.
2. Nature of Services
MyEMIGuru provides free online financial calculators (EMI, interest, GST, FD, RD, and others), financial education content, and a loan quotation request service. Our calculators provide indicative estimates only and do not constitute financial, legal, or investment advice. Results should not be the sole basis for any financial decision.
3. Loan Quotation Service
The Loan Quotation form connects you with our lending partners who may offer you personalised loan products. By submitting the form:
- You consent to be contacted by MyEMIGuru and our verified lending partners via phone, email, or SMS.
- You acknowledge that submission does not guarantee loan approval or specific terms.
- You confirm that all information provided is accurate and complete.
- You agree to our sharing your data with lending partners as described in our Privacy Policy.
- You understand that MyEMIGuru earns referral fees from lending partners — this does not affect the impartiality of our calculators.
4. Prohibited Uses
- Using our platform for any unlawful purpose or in violation of applicable Indian law.
- Submitting false, misleading, or fraudulent information in any form.
- Attempting to reverse-engineer, scrape, or copy our content or calculators without written permission.
- Using our services to send spam, phishing, or unsolicited commercial communications.
- Attempting to gain unauthorised access to our systems or other users' data.
5. Intellectual Property
All content on MyEMIGuru — including calculators, text, graphics, logos, and financial guides — is the intellectual property of MyEMIGuru or its licensors and is protected under applicable Indian and international intellectual property law. You may not reproduce, distribute, or create derivative works without prior written consent.
6. Third-Party Links and Services
Our website may link to third-party websites (bank websites, regulatory portals, financial news). We are not responsible for the content, privacy practices, or accuracy of third-party sites. Links do not constitute endorsement.
7. Limitation of Liability
MyEMIGuru and its operators shall not be liable for any direct, indirect, incidental, or consequential loss arising from your reliance on our calculator results, financial content, or loan quotation outcomes. Your use of the service is entirely at your own risk.
8. Governing Law
These Terms are governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of Bangalore, Karnataka.
9. Changes to Terms
We reserve the right to modify these Terms at any time. Continued use of the website after changes constitutes acceptance of the revised Terms. We will update the "Last Updated" date accordingly.
10. Contact
For queries about these Terms, contact us at support@myemiguru.com.