Application Name: EMI Calculator
Package Name: com.aditya.emi_calculator
Developer: Aditya Kumar Singh
Company / Brand: Soa Technology
Effective Date: November 4, 2026
Last Updated: November 4, 2026
Welcome to EMI Calculator, an Android mobile application developed and published by Soa Technology (“we”, “our”, or “us”).
These Terms of Service (“Terms”) govern your access to and use of the EMI Calculator mobile application (“App”).
By downloading, installing, or using the App, you agree to these Terms. If you do not agree with these Terms, please discontinue using the App.
1. About the Application
EMI Calculator is a financial calculation utility designed to help users estimate loan repayments and understand the financial impact of borrowing.
The App may provide features such as:
- Home Loan EMI Calculator: Calculate estimated monthly installments for home loans.
- Personal Loan EMI Calculator: Estimate monthly repayments for personal loans.
- Car Loan EMI Calculator: Calculate estimated installments for vehicle financing.
- Bike Loan EMI Calculator: Estimate monthly payments for two-wheeler loans.
- Loan Amount Calculation: Enter a principal amount to estimate repayment obligations.
- Interest Rate Calculation: Calculate estimated interest based on the entered loan details.
- Loan Tenure Calculation: Estimate repayments over different loan durations.
- Total Interest Calculation: View the estimated interest payable over the loan period.
- Total Payment Calculation: View the estimated total repayment amount, including principal and interest.
- Loan Comparison: Compare different loan amounts, interest rates, and repayment periods where supported.
Features may be modified, improved, or expanded through future updates.
2. Eligibility
You may use EMI Calculator for personal, educational, and informational purposes.
If you are under the age of 18, you should use the App under the supervision of a parent or legal guardian.
By using the App, you confirm that you have the legal capacity to accept these Terms or have obtained the necessary permission from your parent or guardian.
3. Financial Disclaimer
EMI Calculator is a financial calculation tool only. It is not a bank, financial institution, Non-Banking Financial Company (NBFC), loan provider, lender, or financial advisor.
The App does not:
- Provide loans or credit facilities.
- Approve or reject loan applications.
- Guarantee loan eligibility.
- Offer or arrange financial products.
- Guarantee any particular interest rate.
- Guarantee approval from any bank or financial institution.
- Provide personalized financial or investment advice.
All calculations are estimates based on the information entered by users.
The actual EMI, interest rate, loan amount, repayment schedule, and other loan conditions may differ from the results displayed by the App.
Always consult the relevant bank, lender, or qualified financial professional before making financial decisions.
4. Accuracy of Calculations
We make reasonable efforts to ensure that the calculations provided by the App are accurate and based on standard financial formulas.
However, we do not guarantee that every calculation will match the final repayment amount offered by a bank or financial institution.
Actual loan repayments may vary due to:
- Processing fees and administrative charges.
- Additional taxes and applicable fees.
- Changes in interest rates.
- Floating or variable interest rates.
- Different lender calculation methods.
- Loan insurance and other associated charges.
- Payment schedules and repayment conditions.
- Rounding differences and lender-specific policies.
Users are responsible for entering correct loan amounts, interest rates, and loan durations.
5. No Financial or Lending Relationship
Using EMI Calculator does not create any borrower-lender relationship between you and Soa Technology.
We do not provide financial products or guarantee access to loans.
Any loan agreement, financial transaction, or borrowing arrangement entered into by a user is strictly between the user and the relevant bank or financial institution.
We are not responsible for the terms, conditions, approval process, interest rates, or services offered by third-party lenders.
6. User Responsibilities
You agree to:
- Enter accurate loan amounts, interest rates, and repayment durations.
- Review all calculated results before making financial decisions.
- Independently verify loan details with the relevant lender.
- Use the App only for lawful purposes.
- Avoid relying exclusively on estimated calculations for important financial commitments.
You are solely responsible for decisions made using information provided by the App.
7. Acceptable Use
You agree not to:
- Use the App for unlawful or fraudulent purposes.
- Attempt to reverse engineer, decompile, or modify the App without legal authorization.
- Distribute unauthorized copies of the App.
- Attempt to interfere with the App’s normal operation.
- Attempt unauthorized access to the App or its related systems.
- Use the App in a manner that violates applicable laws or regulations.
We reserve the right to restrict or discontinue access to the App where necessary due to misuse or violations of these Terms.
8. Advertisements
EMI Calculator may display advertisements to support the development, maintenance, and availability of the App.
Advertisements may be provided through third-party advertising networks.
We do not control or guarantee the accuracy, availability, or reliability of third-party advertisements.
Any purchase, financial transaction, or interaction with an advertiser is between you and the relevant third party.
9. Permissions and Device Features
The App may require certain Android device permissions to provide its functionality.
Depending on the features available, these permissions may include internet access or other permissions necessary for application functionality.
Users can manage application permissions through their Android device settings.
Disabling certain permissions may affect some features of the App.
10. Privacy and Personal Information
Your privacy is important to us.
The App’s handling of personal information, device information, advertising identifiers, and other data is described in our separate Privacy Policy.
Please review the Privacy Policy associated with EMI Calculator to understand the applicable data collection, processing, storage, and sharing practices.
Nothing in these Terms replaces or overrides the applicable Privacy Policy.
11. Third-Party Services
The App may use third-party services, software libraries, or components, including Google services and advertising services.
Such third-party services may have their own terms of service and privacy policies.
We are not responsible for the availability, content, policies, or practices of independent third-party services.
Your use of those services may be subject to their respective terms and conditions.
12. Intellectual Property Rights
All rights, title, and interest in EMI Calculator, including its software, design, interface, graphics, icons, branding, and original content, belong to their respective owners.
You are granted a limited, non-exclusive, non-transferable license to use the App for personal and informational purposes.
You may not copy, reproduce, distribute, sell, modify, or commercially exploit any part of the App without prior written permission from the respective rights holder, except where permitted by applicable law.
13. Disclaimer of Warranties
EMI Calculator is provided on an “AS IS” and “AS AVAILABLE” basis.
To the maximum extent permitted by applicable law, we make no warranties or guarantees regarding:
- Continuous or uninterrupted operation.
- Error-free financial calculations.
- Accuracy of estimated loan repayments.
- Compatibility with every Android device.
- Availability of all features.
- Suitability of the App for any particular financial purpose.
We make reasonable efforts to maintain and improve the App but cannot guarantee uninterrupted or error-free operation.
14. Limitation of Liability
To the maximum extent permitted by applicable law, the developer shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from:
- Use or inability to use the App.
- Incorrect or inaccurate loan estimates.
- Financial decisions made using calculated results.
- Differences between estimated and actual lender repayments.
- Losses resulting from borrowing or lending arrangements.
- Third-party advertisements or services.
- Temporary service interruptions or technical problems.
- Device compatibility issues.
Users are responsible for independently verifying all financial information before entering into any loan agreement or financial commitment.
Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.
15. Updates and Modifications
We may update, modify, improve, add, or remove features of EMI Calculator at any time.
Updates may be released to improve functionality, performance, security, compatibility, and user experience.
We are not obligated to maintain every feature indefinitely.
Users are encouraged to install the latest available version of the App.
16. Termination
You may stop using EMI Calculator at any time by uninstalling the App from your Android device.
We reserve the right to suspend, restrict, or discontinue the App where reasonably necessary for maintenance, security, legal compliance, or other legitimate reasons.
Any provisions that should reasonably survive termination will continue to apply.
17. Changes to These Terms
We reserve the right to revise or update these Terms of Service at any time.
Updated Terms will be published on this webpage with a revised “Last Updated” date.
Your continued use of EMI Calculator after revised Terms are published constitutes acceptance of the updated Terms, to the extent permitted by applicable law.
18. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of India.
Any disputes arising from or relating to these Terms shall be subject to the jurisdiction of the competent courts in India, subject to applicable laws and mandatory consumer protection rights.
19. Contact Information
If you have any questions, feedback, complaints, or concerns regarding these Terms of Service or EMI Calculator, please contact us:
Application Name: EMI Calculator
Package Name: com.aditya.emi_calculator
Developer: Aditya Kumar Singh
Company / Brand: Soa Technology
Support Email: adityaypi@yahoo.com
Country: India
Thank you for using EMI Calculator!
We appreciate your trust in Soa Technology.
By downloading, installing, or using EMI Calculator, you acknowledge that you have read, understood, and agreed to these Terms of Service.
