Terms and Conditions

Last Updated: October 15, 2025

Hi there 👋

Welcome to FinCalFY, the Financial Products Division of Nisman Digital Labs. We build simple, transparent, and easy-to-use tools - like our EMI Calculator, SIP Calculator, and other upcoming financial apps - designed to help users make better money decisions without bias, jargon, or hidden agendas.

These Terms and Conditions ("Terms") outline how you can use our apps and services. By downloading, installing, or using any FinCalFY app, you agree to these Terms. If you do not agree, please uninstall and discontinue using the app.

1. About FinCalFY and Nisman Digital Labs

FinCalFY is the Financial Products Division of Nisman Digital Labs, focused on building practical, transparent, and user-centric tools to help individuals make informed financial decisions.

Nisman Digital Labs develops multiple utility-based digital products that make daily life easier - spanning categories like finance, productivity, and lifestyle.

Our mission is simple: To create digital tools that are useful, ethical, and trustworthy - and make financial understanding accessible to everyone across the globe.

2. Acceptance of Terms

  • You are of legal age and can enter into this agreement.
  • You have read and accepted these Terms and our Privacy Policy.
  • You will use the apps only for lawful and personal purposes.
  • You will comply with all app store and local laws.

If any part of this doesn't sit right with you, you can stop using our apps at any time.

3. What Our Apps Are Designed For

  • Help users calculate EMIs, SIP returns, loan affordability, and similar financial metrics.
  • Provide clear, data-based financial insights in a simple, visual format.
  • Educate users about money management without collecting unnecessary personal data.

We are here to help you think, not tell you what to do. Our tools complement professional advice; they do not replace it.

4. How You Should (and Shouldn’t) Use the App

You are welcome to use our apps freely, but please do not:

  • Copy, modify, or resell any part of the app.
  • Reverse-engineer or tamper with the software.
  • Use the app for illegal activities.
  • Misrepresent FinCalFY or Nisman Digital Labs in any form.

We work hard to keep our tools accurate and ethical - we welcome your support in keeping them that way.

5. Features and Access

  • Free version: Full access to basic tools, supported by ads.
  • Premium version: Ad-free, with extra calculators and advanced insights.
  • In-app purchases: Optional modules or upgrades for added features.

All our pricing is fair and transparent - no hidden costs, no fine print.

6. Payments and Subscriptions

  • All transactions are handled securely via Google Play or Apple App Store.
  • We don't store or access your payment data.
  • Subscriptions renew automatically unless canceled before renewal.
  • Refunds are processed according to app store policies.

We will always be upfront about what is paid and what is free - no surprises.

7. Advertising and Third-Party Tools

To keep the free version sustainable, we sometimes show ads - responsibly.

  • Ads are served through trusted platforms like Google AdMob or Meta Audience Network.
  • Some ads may be personalized (only with your consent).
  • You can disable personalized ads from your device settings.
  • You can remove ads completely by upgrading to the premium version.

We never show misleading or intrusive ads, and your data stays yours.

8. Accuracy and Transparency

Our apps rely on standard, publicly available financial formulas and user inputs. Results may vary slightly depending on interest rates, market changes, or data accuracy. We aim for clarity, not certainty - and encourage users to consult financial experts before making major decisions. FinCalFY provides tools for understanding, not advice for investing.

9. Limitation of Liability

  • FinCalFY and Nisman Digital Labs are not responsible for any financial losses from app usage.
  • We are not liable for interruptions, calculation errors, or third-party data issues.
  • Using the app is at your own discretion.

If something seems off, email us - we fix bugs fast.

10. Updates and Modifications

We are constantly improving our apps - adding new features, fixing bugs, refining designs. Sometimes that means we will update these Terms or modify app functionalities. If we make significant changes, we will notify you through an app update or notice. Continuing to use the app after that means you are okay with the new version.

11. Governing Law

These Terms are governed by the laws of India, and any disputes will be subject to the courts in Pune, Maharashtra. We prefer solving things directly and respectfully - if you face any issue, reach out to us first.

12. Transparency Commitment

We built FinCalFY to bring clarity and confidence to your financial decisions. We do not sell financial products. We do not push opinions. We do not profit from confusion.

  • We earn from ads (free version) or subscriptions (premium version).
  • We do not sell user data, ever.
  • We are here to simplify - not to sell.

That's the FinCalFY promise.

13. Contact Us

  • 📧 support@fincalfy.com
  • 🌐 https://www.fincalfy.com
  • 🏢 Operated by: Nisman Digital Labs, Patna, Maharashtra, India

In short: We build financial tools that put people before profits. You get clarity, control, and a fair experience - we get to keep improving through your trust.

If anything ever feels unclear, reach out. We believe transparency is not a clause - it is a value.