Terms and Conditions

Last updated: 25 September 2026

These terms apply to your use of HisaabTools at ilovepdf-s.com (the “site”), operated by Basant Upadhyay, Kolkata, India. By using the site you agree to them.

1. Use of the tools

You may use the free tools for personal and business purposes. You agree not to misuse the site: no automated scraping at a rate that burdens the server, no attempts to break security, and no use for unlawful purposes. Only process files you have the right to use.

2. No professional advice

Results are estimates for information only. See the Disclaimer.

3. Your files and data

Calculators and PDF tools run in your browser; we do not receive the numbers you enter or the files you open. If you give us your email address, we handle it as described in the Privacy Policy.

4. Digital products

Paid templates and guides are licensed for use by the buyer and their own business. You may not resell or redistribute them. Delivery is by download link after payment. Because digital files are delivered immediately, purchases are non-refundable, except where a file is faulty or not as described; write to us within 7 days and we will fix it or refund you.

5. Intellectual property

The site’s content, design and code belong to the operator unless stated otherwise. Brand names mentioned on the site belong to their respective owners, and their mention does not imply endorsement.

6. Availability and changes

We may change, suspend or remove any tool, and update these terms. The date at the top shows the latest version.

7. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect or consequential losses arising from use of the site. Our total liability for any paid product is limited to the amount you paid for it.

8. Governing law

These terms are governed by the laws of India. Courts at Kolkata, West Bengal have jurisdiction.

9. Contact

Questions about these terms: Contact us.