Effective Date: 12.04.2026
These Terms of Use (“Terms”) govern your use of the Penvy Calculators iOS application (“App”). By using the app, you agree to these terms. If you don’t agree, don’t use it.
1. What This App Does
Penvy Calculators provides tools like:
- GST Calculator
- EMI Calculator
- Compound Interest
- Salary / CTC Calculator
- Tax Slab Calculator
- FD / RD Calculator
- Bill Split
- Currency Converter
- GST Verification tool
- Other utility calculators
These are provided for general informational and convenience purposes only.
2. Free vs Pro Version
The app offers both Free and Pro versions.
Free Version:
- Access to core calculators
- Limited GST verification usage
- May include advertisements
Pro Version:
- No ads
- Unlimited GST verification
- Access to all features without restrictions
All purchases are handled securely through Apple’s App Store and are subject to Apple’s billing policies.
3. No Professional Advice
This app is not a financial advisor.
- Results are estimates, not guarantees
- Tax calculations may not reflect latest laws in all cases
- Currency rates may vary from actual market rates
Always verify critical financial decisions with a qualified professional.
4. Accuracy of Results
We aim for accuracy, but we don’t guarantee it.
You agree to:
- Double-check important calculations
- Not rely solely on the app for financial or legal decisions
5. No Data Collection
We do not collect, store, or share personal data.
All calculations and inputs remain on your device.
6. Usage Restrictions
You agree not to:
- Reverse engineer or copy the app
- Use the app for illegal purposes
- Interfere with app functionality
7. Intellectual Property
All rights to the app, branding, and features belong to Penvy.
You are granted a limited, non-transferable right to use the app.
8. Limitation of Liability
We are not responsible for:
- Financial loss
- Errors in calculations
- Decisions made using the app
Use the app at your own risk.
9. Updates & Changes
We may update the app and these Terms from time to time.
10. Termination
We may restrict access if misuse is detected.
11. Contact
Email: customer_support@penvy.cc