Terms and Conditions

TERMS AND CONDITIONS FOR TECHNICAL MITRA

Domain Name: technicalmitra.com

Platform Established: March 31, 2017

Platform Age: 9+ Years of Digital Publishing

Last Updated & Revised: September 15, 2026

Founder & Platform Administrator: Nitish Verma

Operational Base: Darbhanga, Bihar, India

Official Contact Email: info@technicalmitra.com

  1. ACCEPTANCE OF TERMSWelcome to Technical Mitra (“Website”, “we”, “our”, or “us”), available at https://technicalmitra.com. By visiting, browsing, reading, or utilizing any resources, web applications, financial calculators, or editorial guides on this Website, you acknowledge and agree to comply with and be bound by these Terms and Conditions (“Terms”).

If you disagree with any part of these Terms, you must immediately discontinue your use of our platform.

  1. NATURE OF SERVICE: INDEPENDENT EDUCATIONAL MEDIATechnical Mitra operates strictly as an independent digital media platform, research blog, and educational publisher covering personal finance, digital banking, tax literacy, credit score awareness, and modern business productivity tools:
  • Non-Financial Entity: Technical Mitra is NOT a bank, Non-Banking Financial Company (NBFC), cooperative credit society, payment intermediary, or financial aggregator.
  • Non-Lending Notice: We DO NOT issue, process, sanction, approve, or disburse loans. We do not participate in loan recovery or debt settlements under any circumstances.
  • Zero Fee Guarantee: We NEVER request loan processing charges, file handling fees, documentation verification charges, or advance commissions. If any person or entity demands money while impersonating Technical Mitra or its founder Nitish Verma, consider it an unauthorized scam and report it immediately.
  1. INFORMATIONAL PURPOSES ONLY (NOT PROFESSIONAL FINANCIAL ADVICE)All content published on Technical Mitra—including interest rate guides, EMI prepay breakdowns, CIBIL repair walkthroughs, scheme comparisons, and investment blueprints—is created solely for general informational and educational purposes:
  • No SEBI Registration: Technical Mitra and its authors are not SEBI-registered investment advisors, portfolio managers, or chartered financial analysts.
  • Due Diligence Required: Financial markets, lending interest rates, and bank policies change regularly. Readers must perform independent due diligence and verify interest benchmarks, foreclosure charges, and terms directly with RBI-regulated financial institutions before signing agreements or transferring capital.
  • User Responsibility: Any decisions taken based on information available on this site are executed entirely at your own discretion and risk.
  1. CLIENT-SIDE WEB UTILITIES & CALCULATOR INTEGRITYOur suite of free browser utilities, including the “TechnicalMitra Free Next Gen 2.0 GST Invoice Generator” and 30+ financial calculators (SIP, Step-Up SIP, Home Loan Prepayment EMI, PPF, SSY, GST, Gratuity, etc.), operate under an uncompromising zero-server infrastructure:
  • Local Device Execution: All calculations, number-to-words conversions, and PDF document renderings execute locally within your device’s web browser memory (RAM) via client-side JavaScript.
  • No Data Retention: We do not intercept, transmit, save, or store your personal billing inputs, business records, GSTINs, buyer details, salary figures, or loan values on our servers.
  • As-Is Provision: These utilities are provided free of charge on an “as is” and “as available” basis without commercial warranties of mathematical infallibility. You remain responsible for cross-checking calculations against official invoices and bank repayment schedules.
  1. PUBLIC COMMENTS & USER CONDUCT POLICYTechnical Mitra welcomes respectful, constructive public discussion. However, you must adhere strictly to these safety rules:
  • Prohibited Sharing of Sensitive Details: You must NEVER post bank account numbers, ATM PINs, UPI credentials, OTPs, net banking passwords, Aadhaar numbers, PAN numbers, credit card CVVs, or personal contact phone numbers in comment boxes or public forms.
  • Zero Solicitation: We will never contact you via telephone calls, SMS, WhatsApp, or private emails requesting banking credentials or KYC document photocopies.
  • Content Moderation: We reserve the right to delete, edit, or reject any public comment without prior notice if it contains spam, affiliate links, abusive language, illegal schemes, defamatory material, or private personal data.
  1. AFFILIATE DISCLOSURES & THIRD-PARTY OUTBOUND LINKSTechnical Mitra features partner links, affiliate tracking hyperlinks, and promotional banners for vetted credit cards, savings accounts, and financial merchant services issued by RBI-licensed banks and verified merchants:
  • Outbound Redirection: When clicking partner links (such as bitli.in tracking links), you are redirected directly to the official, secure application portals of respective banking institutions.
  • Independent Verification: Technical Mitra does not collect or review your salary slips, credit card applications, or KYC documents. Credit eligibility decisions, interest margins, and card approvals remain the sole prerogative of the issuing banks.
  • Third-Party Terms: We hold no control over, and assume no responsibility for, the content, privacy policies, terms of service, or practices of third-party bank portals or advertiser landing pages.
  1. INTELLECTUAL PROPERTY RIGHTSAll original editorial copy, guides, custom layouts, code snippets, branding marks, and proprietary site assets published on technicalmitra.com are the intellectual property of Technical Mitra and Nitish Verma, protected under Indian and international copyright, trademark, and intellectual property laws:
  • Permitted Use: You may view, read, and print single copies of pages or download PDF invoices created via our generator for personal or non-commercial internal business records.
  • Prohibited Activities: You may not scrape, republish, reproduce, mirror, syndicate, sell, or commercially distribute our text, articles, guides, or custom scripts without explicit prior written authorization from Technical Mitra.
  1. ADVERTISING & GOOGLE POLICIESThis Website may display advertisements served by Google AdSense and other advertising networks. Advertisers may use cookies, device identifiers, and related tracking scripts to deliver contextual and personalized promotions. Your interaction with advertisements on this site is governed by our Privacy Policy and Google’s respective advertising terms.
  2. LIMITATION OF LIABILITYTo the fullest extent permitted by applicable law, Technical Mitra, its founder Nitish Verma, and its team members shall not be held liable for any direct, indirect, incidental, consequential, special, or punitive damages resulting from:
  • Errors, omissions, or factual discrepancies in historical guides or dynamic interest rate comparisons.
  • Unauthorized third-party transactions, scams, or spoofing by bad actors posing as representatives of this Website.
  • Business interruptions, hardware failures, or loss of client billing data created using browser-based utilities.
  • Loan application rejections or dispute resolutions with external banking partners accessed via affiliate links.
  1. MODIFICATIONS TO TERMSWe reserve the exclusive right to alter, modify, or replace these Terms and Conditions at any time without individual prior notice. Any updates will take effect immediately upon publication on this page, and the “Last Updated & Revised” date at the top will reflect the revision. Continued use of Technical Mitra following updates constitutes binding acceptance of the revised Terms.
  2. GOVERNING LAW & JURISDICTIONThese Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of India. Any disputes, claims, or legal actions arising out of or related to the use of this Website shall be subject to the exclusive jurisdiction of the competent courts located in Darbhanga, Bihar, India.
  3. CONTACT & GRIEVANCE REDRESSALFor official questions, legal notices, terms inquiries, or site clarifications, please write directly to our platform desk:

Platform: Technical Mitra

Founder & Administrator: Nitish Verma

Established Date: March 31, 2017

Operational Base: Darbhanga, Bihar, India

Official Email: info@technicalmitra.com

Official Website: https://technicalmitra.com

Personal Founder Desk: https://nitishverma.com