Terms and Conditions
Last Updated: May 30, 2026
Welcome to Smart Chit Calculator! These terms and conditions outline the rules and regulations for the use of Smart Chit Calculator's Website.
1. Acceptance of Terms
By accessing this website, we assume you accept these terms and conditions. Do not continue to use Smart Chit Calculator if you do not agree to take all of the terms and conditions stated on this page.
2. Intellectual Property Rights
Unless otherwise stated, Smart Chit Calculator and/or its licensors own the intellectual property rights for all material on Smart Chit Calculator. All intellectual property rights are reserved. You may access this from Smart Chit Calculator for your own personal use subjected to restrictions set in these terms and conditions.
You must not:
- Republish material from Smart Chit Calculator
- Sell, rent, or sub-license material from Smart Chit Calculator
- Reproduce, duplicate or copy material from Smart Chit Calculator
3. User Accounts & SaaS Usage
When you create a profile on our SaaS portal via Google/Facebook login, you represent that you are above the age of 18. You are solely responsible for maintaining the confidentiality of your session and account details.
We offer a **Freemium Service**:
- Free users may create and manage a maximum of two (2) Chit Fund Group Circles.
- To create a third (3rd) or more groups, you must upgrade your account by making a one-time payment as prompted.
- All payments are processed securely through third-party platforms (like Razorpay). Deployed group credits are associated permanently with your authenticated account credentials.
4. Prohibited Conduct
You are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts (such as run unregulated, illegal Ponzi/Chit schemes in violation of state laws); (c) to violate any international or national regulations, rules, or laws; or (d) to upload or transmit viruses or any other type of malicious code.
5. Disclaimer of Warranties; Limitation of Liability
This website is a mathematical estimation tool designed to calculate numbers under theoretical parameters. We do not guarantee that the results generated by this tool will reflect the actual financial outcomes of your real-world chit funds. We are not responsible for any default of members, financial losses, or discrepancies in your chit circles.
In no event shall Smart Chit Calculator, nor any of its officers, directors, and employees, be held liable for anything arising out of or in any way connected with your use of this Website.