Terms of Service

Last updated: October 3, 2025

Welcome to **smartJOANS**! These Terms of Service ("Terms") govern your access to and use of the **smartjoans.space** website (the "Service") and all tools, calculators, generators, and content provided herein. By accessing or using the Service, you agree to be bound by these Terms.

1. Acceptance and Service Usage

• By using the Service, you confirm that you are at least **18 years of age** or have attained the consent of a parent or guardian.
• You agree to use the Service solely for personal, non-commercial purposes, and in compliance with all applicable local, state, national, and international laws.
• You are prohibited from attempting to reverse-engineer, exploit, or disrupt the integrity or performance of the Service or its underlying code.

2. Non-Professional Disclaimer (Tools) 🛠️

The Service is a **tool-based resource**. While we strive for accuracy, the output of any calculator, converter, or generator (including but not limited to the Loan Calculator, BMI Calculator, and Resume Generator) is provided solely for **general information, estimation, and recreational purposes**.

• The information is **not a substitute for professional advice** (financial, medical, legal, or career).
• You must **consult a qualified professional** before making any decisions based on the information or results obtained from the Service.
• smartJOANS explicitly disclaims all liability for any loss or damage arising from your reliance on the outputs of the Service's tools.

3. Intellectual Property Rights

• The Service, including its "look and feel," features, design, and original content, is owned by smartJOANS and is protected by copyright and intellectual property laws.
• **User-Generated Content:** Any data or files you upload, input, or create using our tools remains your property. As stated in our Privacy Policy, we do not store this data.

4. Third-Party Advertisements and External Content 🔞

The Service displays advertisements served by third-party advertising networks. By using the Service, you acknowledge and agree to the following:

• **External Content:** We have **no control** over the content of these external advertisements, which are managed entirely by the third-party ad network.
• **Potential for Mature/Adult Content:** Due to the nature of the advertising networks used, ads displayed may include content that some users find **objectionable, mature, or adult-oriented**.
• **Redirects:** Clicking on these advertisements, including through pop-ups or direct clicks, may **redirect you to external websites** that host content which is not part of the smartJOANS Service and is beyond our control.
• **Responsibility:** Your interaction with any third-party ad or external website is **solely at your own risk**. smartJOANS shall not be held liable for any content, damage, or loss incurred from visiting or relying on the content of any external sites linked through advertisements.

5. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach the Terms.

6. Limitation of Liability and Indemnification

• The Service is provided on an **"AS IS"** and **"AS AVAILABLE"** basis. smartJOANS provides no warranty that the Service will be uninterrupted, secure, or error-free.
• smartJOANS shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service.
• You agree to defend, indemnify, and hold harmless smartJOANS from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of the Service.

7. Governing Law

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

8. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will indicate the "Last updated" date at the top of this page. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

9. Contact Information

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

Email: **smartjoans@outlook.com**
Or visit our **Contact Page**