Disclaimer

Last updated: February 17, 2026

1. General Disclaimer

The information provided by A-Polo CrediCalc ("the App"), operated by A-Polo ("we," "us," or "our"), is for general informational and educational purposes only. All information on the App and on our website is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the App or our website.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the App or reliance on any information provided through the App. Your use of the App and your reliance on any information in the App is solely at your own risk.

2. Financial Disclaimer

A-Polo CrediCalc is a financial calculator tool designed to help users estimate EMIs (Equated Monthly Installments), interest payments, and related financial figures. It is important to understand the following:

  • Estimates Only: All calculations produced by the App are estimates based on the inputs provided by the user. Actual terms, EMI amounts, interest rates, and repayment schedules offered by banks, non-banking financial companies (NBFCs), and other lending institutions may differ from the results shown in the App.
  • Not Financial Advice: The results generated by the App do not constitute financial advice, approval, or a commitment by any financial institution. The App is intended solely as a planning and estimation tool.
  • Variable Factors: Actual terms are subject to various factors including but not limited to credit score, income verification, employment status, existing liabilities, market conditions, regulatory requirements, and the policies of individual lending institutions.
  • Interest Rate Fluctuations: Interest rates used in calculations are for illustrative purposes. Actual interest rates may vary and are subject to change based on market conditions, the Reserve Bank of India (RBI) monetary policy, and individual lender policies.
  • Additional Charges: The App does not account for processing fees, administrative charges, insurance premiums, prepayment penalties, late payment fees, GST, or other costs that may be associated with borrowing. These additional charges can significantly affect the total cost of borrowing.

3. No Professional Advice

The App is not a substitute for professional financial advice. The content and tools provided through the App should not be construed as professional financial, legal, tax, investment, or accounting advice. Before making any financial decisions, including refinancing existing debt, or making investment choices, you should:

  • Consult with a qualified financial advisor or chartered accountant who can evaluate your specific financial situation.
  • Contact the lending institution directly for accurate and up-to-date terms, interest rates, and eligibility requirements.
  • Review all documents, terms, and conditions carefully before entering into any financial agreement.
  • Consider your personal financial circumstances, risk tolerance, and long-term financial goals.

We strongly recommend that you seek independent professional advice before making any financial commitments based on calculations obtained from the App.

4. Calculator Accuracy

While we strive to ensure that the calculations performed by A-Polo CrediCalc are accurate and based on standard financial formulas widely used in the banking and financial industry, we cannot guarantee absolute accuracy for the following reasons:

  • Rounding Differences: Minor rounding differences may occur between our calculations and those performed by banks or financial institutions. Different institutions may use different rounding methods, which can lead to slight variations in EMI amounts.
  • Formula Variations: While the App uses standard reducing balance EMI calculation formulas, some lenders may use slightly different methodologies, such as flat-rate interest calculations or daily reducing balance methods.
  • Input Accuracy: The accuracy of the results depends entirely on the accuracy of the data entered by the user. Incorrect inputs will produce incorrect results.
  • Software Limitations: As with any software application, there may be occasional bugs, errors, or limitations in the calculations. We continuously work to identify and resolve any such issues, but we cannot guarantee that the App is entirely free from technical errors.
  • Regulatory Changes: Changes in financial regulations, tax laws, or lending guidelines may affect the relevance or accuracy of calculations. The App may not immediately reflect such changes.

5. External Links

The App and our website may contain links to external websites, resources, or services that are not owned or controlled by A-Polo. These links are provided for your convenience and informational purposes only. We have no control over the content, privacy policies, or practices of any third-party websites or services.

We do not endorse, guarantee, or assume responsibility for the accuracy, reliability, or completeness of any information, content, or services offered by third-party websites. We are not liable for any loss or damage arising from your use of or reliance on any third-party content or services. We strongly recommend that you review the terms and conditions and privacy policies of any third-party website you visit.

6. Technical Issues

We make reasonable efforts to ensure that A-Polo CrediCalc is available and functioning correctly at all times. However, we do not warrant or guarantee that:

  • The App will be available at all times or that access will be uninterrupted.
  • The App will be free from errors, bugs, viruses, or other harmful components.
  • The App will be compatible with all devices, operating systems, or software configurations.
  • Any defects or errors in the App will be corrected within a specific timeframe.
  • The App will meet all of your specific requirements or expectations.

We shall not be held responsible for any temporary or permanent unavailability of the App due to technical issues, server maintenance, software updates, internet connectivity problems, device compatibility issues, or circumstances beyond our reasonable control.

7. Limitation of Liability

To the fullest extent permitted by applicable law, A-Polo and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

  • Loss of profits, revenue, data, or business opportunities.
  • Financial losses resulting from decisions made based on calculations from the App.
  • Damages arising from errors, inaccuracies, or omissions in the App's calculations.
  • Damages resulting from unauthorized access to or alteration of your data.
  • Any other damages arising out of or in connection with the use or inability to use the App.

This limitation of liability applies regardless of the theory of liability, whether based on contract, tort (including negligence), strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.

8. Changes to This Disclaimer

We reserve the right to update, modify, or replace this Disclaimer at any time without prior notice. Changes will be effective immediately upon posting on this page. The "Last updated" date at the top of this Disclaimer will be revised to reflect the date of the most recent changes.

We encourage you to review this Disclaimer periodically to stay informed about any updates. Your continued use of the App after any changes to this Disclaimer constitutes your acceptance of such changes. If you do not agree with the updated Disclaimer, you should discontinue use of the App.

9. Contact Us

If you have any questions, concerns, or feedback regarding this Disclaimer, please contact us at: