Terms of Use

Last updated: 27 September 2026

Use of the tools

Kreotek tools, operated by Kreotek Technologies Private Limited, are provided free of charge, as is, for personal and business use.

No professional advice

Results from calculators (including loan, investment, tax and health calculators) are estimates for information only and are not financial, tax, legal or medical advice.

Your data

Data you enter is stored on your device. You are responsible for keeping backups; clearing browser data will remove it.

Limitation of liability

To the extent permitted by law, Kreotek Technologies Private Limited is not liable for any loss arising from use of the tools.