Terms and Conditions

Terms and Conditions of Use

Effective Date: March 31, 2017 Last Updated: December 09, 2025 Domain: https://technicalmitra.com/

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS SITE.

Welcome to Technical Mitra! These Terms and Conditions (“Terms”, “Agreement”) constitute a legally binding agreement between you and Technical Mitra regarding your access to and use of the website located at https://technicalmitra.com/ and any related services, tools, or content (collectively, the “Service”).

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these terms, you are expressly prohibited from using the Website and must discontinue use immediately.

1. Definitions and Interpretation

For the purposes of these Terms and Conditions:

  • “Website” refers to Technical Mitra, accessible from https://technicalmitra.com/, including all its subdomains, pages, and mobile-optimized versions.
  • “We”, “Us”, “Our”, “Company” refers to the owners, operators, developers, and creators of Technical Mitra (founded by Nitish Verma), operating from Darbhanga, Bihar, India.
  • “You”, “Your”, “User”, “Visitor” refers to the individual accessing or using our website, or the legal entity on whose behalf such individual is accessing the Service.
  • “Content” refers to all text, images, graphics, user interfaces, visual interfaces, calculator tools, computer code (including HTML, CSS, JavaScript), articles, reviews, and other materials available on the website.
  • “Services” refers to the informational resources, financial calculators, news updates, and product comparisons provided by Technical Mitra.

2. Intellectual Property Rights

Unless otherwise stated, Technical Mitra and/or its licensors own the intellectual property rights for all material on this website. All intellectual property rights are reserved under Indian Copyright Act, 1957, and international copyright treaties.

You are granted a limited license only for purposes of viewing the material contained on this Website for personal, non-commercial use.

Restrictions: You are specifically restricted from all of the following:

  • Republishing Material: Publishing any Website material in any other media (print, digital, or broadcast) without explicit written permission and proper attribution.
  • Commercial Exploitation: Selling, sub-licensing, renting, or otherwise commercializing any Website material.
  • Derivative Works: modifying, editing, adapting, or creating derivative works based on our calculators, tools, or articles.
  • Reverse Engineering: Attempting to reverse engineer, decompile, disassemble, or derive the source code of any calculator or software tool provided on the Website.
  • Redistribution: Redistributing content from Technical Mitra (unless content is specifically made for redistribution, such as downloadable PDF invoices generated by our tools).

The “Technical Mitra” name and logo are trademarks of the Company. You may not use these marks without our prior written permission.

3. User Responsibilities & Prohibited Conduct

By using our website, you agree to use it only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the website.

You agree NOT to:

  • Harmful Use: Use the website in any way that causes, or may cause, damage to the website or impairment of the availability, visibility, or accessibility of the website.
  • Malicious Software: Use our website to copy, store, host, transmit, send, use, publish, or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit, or other malicious computer software.
  • Automated Data Collection: Conduct any systematic or automated data collection activities (including but not limited to scraping, data mining, data extraction, and data harvesting) on or in relation to our website without our express written consent.
  • Unsolicited Communications: Use our website to transmit or send unsolicited commercial communications (spam) or for any purposes related to marketing without our express written consent.
  • Impersonation: Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity, including Technical Mitra or its founder.

4. Usage of Financial Tools & Calculators

Technical Mitra provides various digital tools such as the GST Calculator, EMI Calculators, SIP Planners, and Invoice Generators. By using these tools, you explicitly acknowledge and agree that:

  • Estimation Only: The results provided by these tools are estimates based on the data you enter and standard mathematical formulas. They do not constitute official financial advice, legal advice, or a guarantee of bank approval.
  • Accuracy Disclaimer: While we strive to keep our algorithms updated, banking rules, tax slabs (GST rates), and interest calculation methods can change. We do not guarantee that the results will perfectly match the figures provided by your bank or tax authority.
  • No Liability for Errors: We are not liable for any financial loss, tax penalties, or calculation errors resulting from the use of our calculators or invoice generators. You should always verify all calculations with a qualified Chartered Accountant (CA) or financial advisor before making any payments or filings.
  • Data Privacy in Tools: Data entered into our calculators is processed locally in your browser in most cases. However, you are responsible for ensuring you do not enter sensitive personal data (like real credit card numbers) in fields not designed for secure transmission.

5. Third-Party Links, Affiliates, and External Content

Our Service frequently contains links to third-party websites or services (such as official Bank websites, NBFC portals, Amazon, Affiliate Programs, and Government portals) that are not owned or controlled by Technical Mitra.

  • No Control: Technical Mitra has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
  • Affiliate Disclosure: Technical Mitra participates in various affiliate marketing programs, which means we may get paid commissions on editorially chosen products purchased through our links to retailer sites. This does not affect the price you pay.
  • Risk Assumption: You acknowledge and agree that Technical Mitra shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

6. Financial Disclaimer & News Integrity

Technical Mitra is strictly an Information Provider.

  • Not a Lender: We are NOT a bank, NBFC, lender, or insurance provider. We do not provide loans directly, nor do we issue credit cards.
  • No Processing Fees: We NEVER ask for any upfront fees, processing charges, or commission from users to get their loans sanctioned. If anyone asks you for money under our name, it is a scam.
  • Review Aggregator: We function solely as an aggregator and reviewer of financial products. Our reviews are based on features available in the public domain at the time of writing.
  • Bank Discretion: Decisions regarding loan approval, interest rates, credit limits, and eligibility are at the sole discretion of the respective banks/NBFCs. We cannot influence these decisions.
  • Currency of Information: While we make every effort to keep interest rates and schemes updated, financial data changes rapidly. Always check the official bank website for the latest rates.

7. Limitation of Liability

In no event shall Technical Mitra, nor any of its officers, directors, employees, partners, agents, suppliers, or affiliates, be held liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Technical Mitra’s website.

Specific Limitations:

  • We do not warrant that the website will be constantly available, or available at all.
  • We do not warrant that the information on this website is complete, true, accurate, or non-misleading.
  • We are not liable for any technical issues, server downtime, or cyber-attacks that may compromise the website’s availability.

Whether such liability is under contract, tort, or otherwise, Technical Mitra, including its officers, directors, and employees shall not be held liable for any indirect, consequential, or special liability arising out of or in any way related to your use of this website.

8. Indemnification

You hereby agree to indemnify, defend, and hold harmless Technical Mitra and its founder, employees, and agents from and against any and/or all liabilities, costs, demands, causes of action, damages, and expenses (including reasonable attorney’s fees) arising in any way related to:

  • Your breach of any of the provisions of these Terms;
  • Your use or misuse of the Website or Services;
  • Your violation of any third-party right, including without limitation any copyright, property, or privacy right.

9. Governing Law & Jurisdiction

These Terms will be governed by and interpreted in accordance with the laws of the Republic of India. You agree that any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, shall be subject to the exclusive jurisdiction of the courts located in Darbhanga, Bihar, India.

10. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time without prior notice.

  • Notification: We will update the “Last Updated” date at the top of this page.
  • Acceptance: By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are required to stop using the website.

11. Contact Us

If you have any questions, concerns, or legal notices regarding these Terms and Conditions, please contact us using the details below:

We aim to respond to all legal inquiries within 48-72 business hours.