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Terms of Service

Last updated: April 10, 2026

Please read these Terms of Service ("Terms", "Terms of Service", "Agreement") carefully before using the website sabtools.in ("Site", "Platform", "Service") operated by SabTools.in ("we", "us", "our"). Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

1. Acceptance of Terms

By accessing or using SabTools.in, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these Terms, you must not access or use the Service. Your continued use of the Site following the posting of any changes to these Terms constitutes acceptance of those changes. We recommend that you review these Terms periodically to stay informed of any updates.

2. Description of Service

SabTools.in provides a collection of 450+ free online tools spanning multiple categories, including but not limited to finance calculators (EMI, SIP, GST, income tax, mutual fund, FD, RD, PPF, NPS, HRA calculators), health and wellness tools (BMI calculator, calorie counter, pregnancy calculator, body fat estimator, water intake tracker), legal utilities (RTI draft generators, court fee calculators, legal notice templates), education tools (exam score predictors, GPA calculators, percentage converters, age calculators), AI-powered tools, text and document utilities, image and media converters, developer tools, SEO utilities, and general-purpose converters. All tools are provided free of charge for both personal and commercial use. The results generated by these tools are intended solely for informational and educational purposes.

3. Financial Tool Disclaimer

SabTools.in offers various financial calculators and tools, including but not limited to EMI calculators, SIP calculators, GST calculators, income tax calculators, mutual fund return estimators, fixed deposit calculators, recurring deposit calculators, PPF calculators, NPS calculators, HRA exemption calculators, and loan comparison tools. The results produced by these tools are generated using standard mathematical formulas and publicly available rates and are provided strictly for informational purposes only.

The output of our financial tools does not constitute financial advice, investment advice, tax planning advice, or any form of professional financial guidance. The calculations do not account for individual financial circumstances, risk tolerance, tax implications specific to your situation, or current market conditions that may affect actual outcomes. Interest rates, tax slabs, GST rates, and other financial parameters used in our calculators may not reflect the most current figures.

Our financial tools are not a substitute for consultation with a Certified Financial Planner (CFP), Chartered Accountant (CA), SEBI-registered investment advisor, or any other qualified financial professional. Before making any financial decisions including investments, loan applications, or tax filings, you should seek independent professional advice. SabTools.in expressly disclaims all liability for any financial losses, damages, or adverse outcomes arising from reliance on calculator results.

4. Health and Medical Tool Disclaimer

SabTools.in provides health-related tools such as BMI calculators, calorie counters, pregnancy due date calculators, body fat estimators, water intake calculators, and other wellness utilities. These tools use generalised formulas and standard reference values. The results are provided strictly for informational purposes only and are intended to serve as general guidance.

The output of our health tools does not constitute medical advice, diagnosis, or treatment recommendations. Health-related calculations cannot account for individual physiological differences, pre-existing medical conditions, medications, genetic factors, or other variables that a healthcare professional would consider.

Our health tools are not a substitute for professional medical advice, diagnosis, or treatment from a qualified doctor, physician, dietician, or other licensed healthcare professional. Never disregard professional medical advice or delay seeking it because of information obtained from SabTools.in. If you have concerns about your health, consult a qualified healthcare provider immediately. SabTools.in assumes no responsibility for health decisions made based on tool outputs.

5. Legal Tool Disclaimer

SabTools.in offers legal reference tools including RTI application draft generators, court fee calculators, legal notice templates, and other legal utilities. These tools are designed to provide general reference information and are offered strictly for informational purposes only.

The output of our legal tools does not constitute legal counsel, legal advice, or a legal opinion. Legal tools rely on generalized provisions of Indian law and may not reflect the latest amendments, state-specific rules, judicial interpretations, or procedural requirements applicable to your specific case.

Our legal tools are not a substitute for professional legal advice from a qualified advocate, solicitor, or legal practitioner enrolled with the Bar Council of India. You should consult a qualified legal professional before taking any legal action, filing an RTI application, initiating litigation, or relying on any output from our legal tools. SabTools.in disclaims all liability for any adverse legal outcomes resulting from reliance on tool outputs.

6. Education Tool Disclaimer

SabTools.in provides education-related tools such as exam score predictors, GPA calculators, percentage converters, CGPA-to-percentage converters, and similar utilities. The results produced by these tools are estimates only and are provided for informational purposes.

Exam score predictions, rank estimators, and college admission probability tools are based on historical data and statistical models that may not accurately reflect current examination patterns, changing cut-off marks, updated syllabus, or institutional admission criteria. Actual results may vary significantly from the estimates provided by our tools. SabTools.in does not guarantee the accuracy of any education-related predictions and disclaims liability for academic decisions made in reliance on these estimates.

7. Accuracy Disclaimer

While we strive to ensure the accuracy, reliability, and timeliness of all tools and content on SabTools.in, we do not warrant or guarantee that the results generated by any tool are completely free from errors, inaccuracies, or omissions. Tools may use formulas, datasets, rates, or reference values that become outdated over time. Software bugs, rounding differences, or data-entry errors may occasionally affect results.

Users should independently verify all results before relying on them for any critical decision, whether financial, medical, legal, educational, or otherwise. SabTools.in is not responsible for any losses, damages, or consequences arising from errors or inaccuracies in tool outputs.

8. User Responsibilities

By using SabTools.in, you agree to:

  • Use the tools and content only for lawful purposes and in accordance with these Terms.
  • Provide accurate input data when using any tool, as inaccurate inputs will produce inaccurate results.
  • Independently verify all tool outputs before relying on them for important decisions.
  • Not attempt to reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of any tool or component.
  • Not use automated systems, bots, scrapers, or similar technologies to access, extract, or collect content from the Site without prior written permission.
  • Not interfere with or disrupt the integrity or performance of the Site or its servers.
  • Comply with all applicable local, state, national, and international laws and regulations.

9. Intellectual Property

All tools, content, text, graphics, logos, icons, images, software, source code, user interface design, layout, and overall visual appearance of SabTools.in are the exclusive property of SabTools.in and are protected by applicable intellectual property laws, including copyright, trademark, and trade dress laws of India and international treaties.

You may not copy, reproduce, distribute, publish, display, modify, create derivative works from, or exploit any portion of the Site or its content without express prior written permission from SabTools.in. The SabTools.in name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of SabTools.in. Unauthorized use of any intellectual property belonging to SabTools.in may result in legal action.

10. Prohibited Uses

You are expressly prohibited from:

  • Using the Site or its tools for any unlawful, fraudulent, or malicious purpose.
  • Attempting to gain unauthorized access to any portion of the Site, its servers, or any connected systems or networks.
  • Scraping, data mining, or using automated tools to extract content from the Site without written authorization.
  • Uploading or transmitting viruses, malware, or any other malicious code that may damage the Site or its infrastructure.
  • Impersonating SabTools.in or any of its representatives in any communication.
  • Reproducing, mirroring, or framing the Site or any part thereof on any other server or website without permission.
  • Using tool outputs to provide professional advice (financial, medical, legal, or otherwise) to third parties without appropriate professional qualifications and independent verification.
  • Engaging in any activity that interferes with or disrupts the Service or the servers and networks connected to the Service.

11. Privacy

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using SabTools.in, you consent to the practices described in the Privacy Policy. We encourage you to review the Privacy Policy to understand how we handle your data.

12. Third-Party Links

SabTools.in may contain links to third-party websites, services, or resources that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, terms of service, or practices of any third-party websites or services. The inclusion of any link does not imply endorsement, approval, or recommendation by SabTools.in.

You acknowledge and agree that SabTools.in shall not be 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 content, goods, or services available on or through any third-party websites or services. We strongly advise you to read the terms of service and privacy policies of any third-party websites or services that you visit.

13. Limitation of Liability

To the maximum extent permitted by applicable law, SabTools.in, its owners, operators, affiliates, partners, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, goodwill, business opportunity, or other intangible losses, resulting from:

  • Your access to, use of, or inability to use the Service.
  • Any errors, inaccuracies, or omissions in the content or tool results provided by the Service.
  • Any unauthorized access to or alteration of your data or transmissions.
  • Any financial losses, adverse health outcomes, legal consequences, or academic setbacks resulting from reliance on tool outputs.
  • Any conduct or content of any third party on the Service or linked from the Service.

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. In no event shall the total liability of SabTools.in to you for all claims exceed the amount paid by you to SabTools.in, if any, during the twelve (12) months preceding the claim.

14. Indemnification

You agree to defend, indemnify, and hold harmless SabTools.in, its owners, operators, affiliates, partners, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt and expenses (including but not limited to attorney fees) arising from:

  • Your use of and access to the Service.
  • Your violation of any term of these Terms of Service.
  • Your violation of any third-party right, including without limitation any intellectual property, privacy, or proprietary right.
  • Any claim that your use of the Service caused damage to a third party.
  • Any misuse of tool outputs, including the provision of tool results as professional advice to third parties.

This indemnification obligation shall survive the termination of these Terms and your use of the Service.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts located in the State of Uttar Pradesh, India. You hereby irrevocably consent to the personal jurisdiction and venue of such courts and waive any objection based on inconvenient forum or lack of jurisdiction.

16. Dispute Resolution

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or your use of the Service, the parties shall first attempt to resolve the matter amicably through good-faith negotiation. Either party may initiate such negotiation by providing written notice to the other party describing the nature of the dispute and the relief sought.

If the dispute cannot be resolved amicably within thirty (30) days of written notice, the matter shall be referred to and finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, 1996 (as amended from time to time). The arbitration shall be conducted by a sole arbitrator mutually appointed by both parties. The seat and venue of arbitration shall be in Uttar Pradesh, India. The language of arbitration shall be English. The arbitral award shall be final and binding on both parties and may be enforced in any court of competent jurisdiction.

17. Age Restrictions

The general-purpose tools on SabTools.in are accessible to users of all ages. However, users must be at least 18 years of age to use financial tools, including but not limited to EMI calculators, SIP calculators, income tax calculators, GST calculators, loan comparison tools, and investment estimators. Users under the age of 18 may use the Site only with the consent and supervision of a parent or legal guardian. By using our financial tools, you represent and warrant that you are at least 18 years of age or have obtained verifiable parental or guardian consent.

Parents and guardians are responsible for monitoring and supervising the online activities of minors under their care. SabTools.in is not responsible for any decisions or actions taken by minors based on tool outputs.

18. Modifications to Terms

SabTools.in reserves the right to modify, amend, or replace these Terms of Service at any time and at our sole discretion. Material changes will be communicated by updating the "Last updated" date at the top of this page. We may also notify users of significant changes through a prominent notice on the Site.

It is your responsibility to review these Terms periodically. Your continued use of the Service after any changes to these Terms are posted constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must discontinue use of the Service immediately.

19. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect the remaining provisions of these Terms, which shall continue in full force and effect. The invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

20. Entire Agreement

These Terms of Service, together with the Privacy Policy and any other legal notices or policies published by SabTools.in on the Site, constitute the entire agreement between you and SabTools.in regarding your use of the Service. These Terms supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Service. No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition, or a waiver of any other term or condition.

21. Contact Information

If you have any questions, concerns, or feedback about these Terms of Service, please contact us at:

By using SabTools.in, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these Terms, please discontinue use of the Service immediately.