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Terms of Service

Last Updated: January 2026

Welcome to MyFDCalculator. These Terms of Service ("Terms") govern your use of our website myfdcalculator.com ("Website") and the services provided. By accessing or using our Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our Website.

1. Acceptance of Terms

By accessing and using MyFDCalculator, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use the Website.

2. Description of Service

MyFDCalculator provides:

  • A free online Fixed Deposit (FD) interest calculator
  • Comparison of FD interest rates from various Indian banks
  • Educational information about Fixed Deposits in India
  • Calculation history storage (locally on your device)

3. Disclaimer of Financial Advice

IMPORTANT: The information and calculations provided on MyFDCalculator are for informational and educational purposes only. We do not provide financial, investment, tax, or legal advice.

  • The calculator results are estimates based on the inputs provided and standard compounding formulas
  • Actual returns may vary based on bank-specific terms and conditions
  • Interest rates displayed are indicative and subject to change without notice
  • Always verify rates and terms directly with your bank before making investment decisions
  • Consult a qualified financial advisor for personalized investment advice

4. Accuracy of Information

While we strive to provide accurate and up-to-date information:

  • We do not guarantee the accuracy, completeness, or reliability of any information on this Website
  • Bank interest rates are updated periodically but may not reflect real-time rates
  • Calculator results are mathematical estimates and should not be considered as guaranteed returns
  • We are not responsible for any errors or omissions in the content

5. User Responsibilities

By using our Website, you agree to:

  • Use the Website only for lawful purposes
  • Provide accurate information when using the calculator
  • Not attempt to interfere with the proper functioning of the Website
  • Not use any automated systems or software to extract data from the Website
  • Not reproduce, duplicate, copy, or exploit any portion of the Website without permission

6. Intellectual Property

The Website and its original content, features, and functionality are owned by MyFDCalculator and are protected by international copyright, trademark, and other intellectual property laws. You may not:

  • Copy, modify, or distribute our content without permission
  • Use our trademarks or branding without authorization
  • Create derivative works based on our Website

7. Third-Party Links and Services

Our Website may contain links to third-party websites or services (including bank websites). We are not responsible for:

  • The content, accuracy, or practices of third-party websites
  • Any damages or losses caused by third-party websites
  • The privacy practices of third-party websites

8. Advertisements

Our Website may display advertisements through Google AdSense and other advertising partners. These advertisements:

  • Are provided by third-party advertisers
  • Do not constitute endorsement by MyFDCalculator
  • Are subject to the advertisers' own terms and policies

9. Limitation of Liability

To the fullest extent permitted by applicable law:

  • MyFDCalculator shall not be liable for any indirect, incidental, special, consequential, or punitive damages
  • We are not liable for any financial losses resulting from reliance on our calculator results or information
  • Our total liability shall not exceed the amount you paid to use our services (which is zero, as our service is free)
  • We are not liable for any loss of data stored in your browser's localStorage

10. Indemnification

You agree to indemnify and hold harmless MyFDCalculator, its owners, operators, and affiliates from any claims, damages, losses, or expenses arising from your use of the Website or violation of these Terms.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on the Website. Your continued use of the Website after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

12. Termination

We may terminate or suspend access to our Website immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Website will cease immediately.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or use of the Website shall be subject to the exclusive jurisdiction of the courts in India.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact Information

If you have any questions about these Terms of Service, please contact us: