1. Acceptance of Terms
By accessing or using the Finova website (located at finova.bigbaasket.com), you agree to be bound by these Terms of Service and all applicable local, national, and international laws. If you do not agree with any of these terms, your sole remedy is to cease using our website.
2. Educational and Estimative Nature Only
Finova provides personal finance calculators, simulation models, and educational articles for informational purposes only. Finova is not a bank, lender, credit broker, licensed financial advisor, certified tax preparer, or investment counselor. Calculator outputs represent mathematical simulations based solely on user-supplied numbers and assumed conditions; they do not constitute individualized financial, legal, investment, or tax advice.
3. No Warranty on Calculation Accuracy
While our team exercises rigorous standards to maintain mathematically sound formulas, financial products in the real world involve lender-specific underwriting criteria, fluctuating daily market interest rates, state-specific property taxes, insurance underwriting, and personalized tax brackets. We provide our calculators and guides on an "AS IS" and "AS AVAILABLE" basis without warranty of any kind.
4. Intellectual Property Rights
All website design systems, graphic user interfaces, custom SVG charts, code libraries, educational content, and branding are the proprietary property of Finova and are protected under copyright, trademark, and intellectual property laws. You may utilize our calculators for personal, non-commercial purposes.
5. Limitation of Liability
In no event shall Finova, its owners, developers, or content contributors be liable for any damages (including, without limitation, damages for loss of profits, investment losses, or loan rejection) arising out of the use or inability to use the tools or materials on Finova.
6. Modifications to Terms
Finova reserves the right to revise these Terms of Service at any time without prior notice. By continuing to access the site, you agree to be bound by the updated terms.