Last updated: October 18, 2026
These Terms of Use ("Terms") govern your use of emicalchub.com (the "Site"), operated by EMI Cal Hub ("we", "us", "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. Use of the Site
You may use the Site and its calculators for personal, educational and lawful business purposes, free of charge. You agree not to:
- use the Site in any way that breaks applicable laws or regulations;
- attempt to disrupt, overload or gain unauthorised access to the Site or its servers;
- use automated tools to copy large parts of the Site or its content;
- present our calculators or content as your own, or reproduce them commercially without permission.
2. Calculators and information
Our calculators and articles provide general information and estimates for planning and educational purposes only. Results depend entirely on the values you enter and on standard formulas, and may differ from figures provided by banks, lenders, tax authorities or other institutions.
Nothing on the Site is financial, investment, tax, legal or other professional advice, and using the Site does not create any advisory relationship. Please read our Disclaimer for more detail.
3. No guarantee of accuracy
We work hard to keep our tools accurate and up to date, but we do not guarantee that the Site, its calculations or its content are complete, correct, current or free from errors. Rules such as tax slabs, interest rates and exchange rates change, and you are responsible for checking figures before relying on them.
4. Intellectual property
The Site's design, text, graphics, logo, calculators and code are owned by EMI Cal Hub or used with permission, and are protected by copyright and other laws. You may link to any page of the Site and share results for personal use. Any other copying, distribution or modification requires our written permission.
5. Third-party links and services
The Site may contain links to third-party websites and may use third-party services, such as exchange-rate data or advertising. We do not control and are not responsible for their content, availability or practices. Your use of them is at your own risk and subject to their own terms.
6. Advertising
The Site may display advertisements. We are not responsible for products or services advertised by third parties, and their appearance on the Site is not an endorsement.
7. Limitation of liability
To the fullest extent permitted by law, EMI Cal Hub will not be liable for any direct, indirect, incidental or consequential loss or damage arising from your use of, or inability to use, the Site or from reliance on any calculation or information on it. The Site is provided on an "as is" and "as available" basis without warranties of any kind.
8. Changes to the Site and these Terms
We may change, suspend or discontinue any part of the Site at any time. We may also update these Terms; changes take effect when posted on this page. Continuing to use the Site after changes means you accept the updated Terms.
9. Contact
If you have questions about these Terms, email contact@emicalchub.com or visit our contact page.