1. Acceptance of Terms

By accessing, browsing, or utilizing the computational tools, simulators, or content on BizFlowKit (https://bizflowkit.in), you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please discontinue use of the platform immediately.

2. Scope of Services & Mathematical Engine

BizFlowKit grants you a revocable, non-exclusive, non-transferable license to access our statutory calculation suite, including but not limited to:

• Goods & Services Tax (GST) Suite: Free GST Invoice Generator Pro, GST Calculator Online (inclusive/exclusive), ITC Offset Waterfall (Rule 88A), Due Date Checker, and Late Fee & Interest (Section 50) calculators.
• Direct Tax & Payroll Suite: Salary Take-Home Calculator (FY 2026-27 / AY 2026-27), CTC Breakup Generator, Section 80C Tax Planner, Capital Gains Tax Calculator, Presumptive Taxation (Sections 44AD/44ADA), and HRA Exemption Calculators.
• Business & Banking Tools: MSME Section 43B(h) Audit & Delayed Payment Interest Calculator (under MSMED Act 2006 compound interest provisions at 3x RBI Bank Rate), and Reducing-Balance Loan EMI Amortization Schedules.

3. Client-Side Processing & User Responsibility

Because all calculations, invoicing forms, and salary statements execute directly within your browser runtime without server transmission, you retain sole responsibility for:

• The accuracy, validity, and truthfulness of all inputs entered into our calculator fields.
• Verifying whether specific turnover limits, tax slab exemptions, or deduction thresholds apply to your specific entity structure.
• Safeguarding any generated PDF statements, tax slips, or commercial invoices downloaded to your local device.

4. Intellectual Property Rights

All proprietary algorithms, user interface designs, mathematical calculation scripts, graphic assets, typography, and documentation on BizFlowKit are the intellectual property of BizFlowKit Technologies India and are protected under Indian copyright, trademark, and intellectual property laws. You may not reverse-engineer, scrape, redistribute, or frame our calculation tools without prior written consent.

5. Limitation of Liability

To the maximum extent permitted by applicable Indian law, BizFlowKit and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of, or inability to use, our calculation tools. This includes, without limitation, tax penalties, interest levies, delayed filing assessments, or business operational decisions made based on computational outputs.

6. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of India. Any disputes, claims, or proceedings arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in India.