Business Interest Calculator - Privacy Policy and Terms of Service

 

Last Updated: December 27, 2025 App Name: Desi Interest Calculator

Developer/Company Name: Bharat Publications

 

1. Introduction

Bharat Publication ("we," "our," or "us") operates the Desi Interest Calculator mobile application (the "App"). This Privacy Policy explains in detail how we collect, use, disclose, and safeguard your information when you visit our App. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the App.

We reserve the right to make changes to this Privacy Policy at any time and for any reason with/without notice. We will alert you about any changes by updating the "Last Updated" date of this Privacy Policy. You are encouraged to periodically review this Privacy Policy to stay informed of updates.

2. Information Collection and Use

A. Personal & Financial Data (Local Processing Only)

We prioritize your privacy. We do not collect, store, or transmit your personal financial data to our servers.

• Input Data: All principal amounts, interest rates, dates, and party names you enter into the App are processed locally on your device.
• Storage: Any records or ledgers you create are stored in your device's internal memory. If you uninstall the App, this data will be lost unless you have manually backed it up.

 

2.1 Disclosure of Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

A. Third-Party Service Providers

• Google AdMob: We share device identifiers (Advertising ID) with Google AdMob to serve personalized ads.

B. Legal Requirements

If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, etc, we may share your information as permitted or required by any applicable law, rule, or regulation.3. App Permissions

 

3.  To function correctly, the App requires the following permissions:

• Internet Access: Required solely for the Google AdMob SDK to load advertisements.
• Storage (Read/Write): Required only if you choose to generate and save PDF reports of your interest calculations. We access strictly the files created by the App.

4. Children’s Privacy

Our App is a general audience utility and is not directed towards children. We do not knowingly collect personally identifiable information from children under the age of 13. If we discover that a child under 13 has provided us with personal information, we will delete it immediately.

5. Security

We value your trust in providing us your personal information. Since the App processes data locally, the security of your financial data relies largely on the security of your device. We use commercially acceptable means to protect the data handled by the AdMob SDK, but remember that no method of transmission over the internet is 100% secure.

6. Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at:

• Developer: Bharat Publication
• Email: [Insert Your Email Here]

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TERMS OF SERVICE (ToS)

Last Updated: December 27, 2025

1. Acceptance of Terms

By downloading, installing, or using the Desi Interest Calculator app (the "Service"), you agree to be bound by these Terms. If you disagree with any part of the terms, you may not use the Service.

2. Nature of the Service (Disclaimer)

Desi Interest Calculator is a utility tool designed to assist with interest calculations using standard and traditional Indian methods (e.g., Sainkda, 360-day year).

• For Reference Only: The calculations provided by this App are for informational and reference purposes only.
• Not Financial Advice: The App does not constitute professional accounting, financial, or legal advice.
• Calculation Methods: The App uses specific algorithms (such as "30 days = 1 month" or "Sainkda" logic) which may differ from the compound interest methods used by formal banking institutions.
• Verification: You are responsible for verifying the accuracy of any calculation before using it for financial settlements, legal agreements, or tax filings.

Bharat Publication assumes no responsibility for any errors in calculation or for any financial losses or damages resulting from the use of this App.

3. License to Use

We grant you a personal, non-transferable, non-exclusive license to use the App for your personal or internal business needs. You agree not to:

• Reverse engineer, decompile, or attempt to extract the source code of the App.
• Use the App for any illegal or unauthorized purpose.

4. Third-Party Services (Ads)

The App is supported by advertising revenue. By using the App, you agree to the display of advertisements provided by Google AdMob. We are not responsible for the content of third-party websites or services linked to or displayed in these ads.

5. User Content and Data

• Local Data: You retain full ownership of the data you enter into the App. As this data is stored locally on your device, you are solely responsible for backing up your data.
• Liability: We are not liable for any loss of data due to device failure, app uninstallation, or other technical issues.

6. Intellectual Property

The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of Bharat Publication. The App is protected by copyright and other laws of India.

7. Limitation of Liability

In no event shall Bharat Publication, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of (or inability to access or use) the App.

8. Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the laws of India, without regard to its conflict of law provisions.

• Jurisdiction: Any disputes arising out of or related to these Terms or the App shall be subject to the exclusive jurisdiction of the courts located in Sirsa, Haryana.

9. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

10. Contact Us

If you have any questions about these Terms, please contact us at:

• Email: BharatPub13@Gmail.com

 

TERMS OF SERVICE (ToS)

Last Updated: December 27, 2025

1. Agreement to Terms

These Terms of Service constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and Bharat Publications ("we," "us" or "our"), concerning your access to and use of the Modern Interest Calculator mobile application (the "App"). By accessing the App, you agree that you have read, understood, and agreed to be bound by all of these Terms of Service. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF SERVICE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE APP AND YOU MUST DISCONTINUE USE IMMEDIATELY.

2. Prohibited Activities

You may not access or use the App for any purpose other than that for which we make the App available. Prohibited activities include:

1. System Abuse: reverse-engineering the App code and others.
2. Scraping: Using automated scripts to extract data or content from the App.
3. Harassment: Using the App to harass, abuse, or harm another person.
4. Others: Any other reasons

3. Intellectual Property Rights

Unless otherwise indicated, the App is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the App (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws.

4. Third-Party Websites and Content

The App may contain links to third-party websites or services and advertisements (AdMob). We are not responsible for the content or accuracy of any third-party websites linked to the App.

5. Limitation of Liability

In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost data, or other damages arising from your use of the app, even if we have been advised of the possibility of such damages. You rely on the app’s data at your own sole risk

6. Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the App at any time or for any reason at our sole discretion without notice. We also cannot guarantee the App will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the App, resulting in interruptions, delays, or errors.

7. Governing Law

These Terms shall be governed by and defined following the laws of India. You irrevocably consent that the courts of Sirsa shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.

8. Contact Us

To resolve a complaint regarding the App or to receive further information regarding use of the App, please contact us at: Email: bharatpub13@gmail.com