Terms of Use

Last updated: October 23, 2026

1. Acceptance of these terms

By using tools.umarixtech.com ("Tools Hub"), operated by UMARIX TECHNOLOGIES (SMC-PRIVATE) LIMITED, you agree to these Terms of Use. If you do not agree, please do not use the site.

2. The service

Tools Hub provides free online calculators and utilities for general information and estimation. Tools run in your browser and results are provided "as is" for convenience.

3. Estimates, not professional advice

Calculator results are estimates based on the values you enter and standard formulas. They are not financial, tax, medical, legal or other professional advice, and they do not replace a lender's official disclosures, a medical professional's judgment, or your institution's official GPA calculation. Always verify important figures before making decisions, signing agreements or submitting official documents.

4. Accuracy and availability

We work to keep formulas correct and the site available, but we do not warrant that results are error-free or that the site will be uninterrupted. Tax rates, lending rules and institutional policies change and vary by state and organization.

5. Acceptable use

You agree not to misuse the site: do not attempt to disrupt its operation, scrape it at a scale that burdens the infrastructure, misrepresent results as official documents, or use the tools for any unlawful purpose. Generated content (such as placeholder text or random numbers) may be used freely in your own projects.

6. Intellectual property

The site's design, text and code are owned by UMARIX TECHNOLOGIES (SMC-PRIVATE) LIMITED unless otherwise noted. The results you produce with the tools belong to you.

7. Third-party links and advertising

The site displays advertising and may link to third-party websites. We are not responsible for the content, products or privacy practices of third parties.

8. Limitation of liability

To the maximum extent permitted by law, UMARIX TECHNOLOGIES (SMC-PRIVATE) LIMITED will not be liable for any loss or damage arising from reliance on tool results or from use of, or inability to use, this site.

9. Changes

We may update these terms from time to time; the current version will always be posted on this page with its date. Continued use of the site after changes constitutes acceptance.

10. Contact

Questions about these terms: umartahirmalik.tech@gmail.com.