Terms of Service

Acceptance of Terms

Welcome to LIC Calculator (referred to as “the Website”, “we”, “us”, or “our”). By accessing or using our website at https://calculatorlic.com/ and its services, you agree to comply with and be bound by the following Terms of Service (“Terms”) and our Privacy Policy. Please read them carefully.

If you do not agree to these Terms, please do not use the website.

Description of Service

The website provides a tool — LIC Calculator (“Service”) — to help users estimate LIC policy premiums, maturity amounts, and related financial figures. The Service is intended for personal, non-commercial use only. Results are estimates only and should not be treated as official LIC quotes or financial advice.

Policy Renewal Service

Our calculator tools are regularly updated to reflect the latest LIC policy structures. However, we recommend verifying all figures with an official LIC agent or branch before making any financial decisions.

User Obligations

By using our Service, you agree that:

  • You will use the Service only for lawful purposes.
  • You will not use the Service to infringe the copyrights or rights of others.
  • You will not use any automated means or tools to access or download content from the website, other than the provided service interface.
  • You will not attempt to harm, disrupt, or gain unauthorized access to our website or servers.

Intellectual Property Rights

All content, trademarks, logos, calculators, and intellectual property displayed on this website are owned by or licensed to LIC Calculator, or belong to third parties who have permitted us to use such content. You may not use any content from this website without our prior written permission.

Third-Party Advertising (Google AdSense)

Our website displays advertisements through Google AdSense, a service by Google LLC. Google AdSense uses cookies to serve ads based on your prior visits to this and other websites.

We do not control the content of third-party advertisements shown on our website.

Cookies Policy

We use cookies to improve user experience and to serve relevant advertisements. Types of cookies used:

  • Essential Cookies — Required for the website to function.
  • Analytics Cookies — Track how visitors use our site (Google Analytics).
  • Advertising Cookies — Used by Google AdSense to show relevant ads.

By using our website, you consent to our use of cookies. You can manage cookies through your browser settings.

Children’s Privacy

Our website is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, contact us at support@calculatorlic.com and we will delete it promptly.

Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind, express or implied. We do not guarantee the accuracy, reliability, or availability of the Service.

Limitation of Liability

In no event shall LIC Calculator or its affiliates be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Service.

Indemnification

You agree to indemnify and hold harmless LIC Calculator and its affiliates from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

Changes to Terms

We reserve the right to modify these Terms at any time. Your continued use of the website after changes are posted constitutes your acceptance of the updated Terms.

Governing Law

These Terms are governed by the laws of India. Any disputes arising from these Terms shall be resolved in the courts of India.

Contact Us

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