Terms & Conditions

1. Nature of the Service & Platform Description

HeyArtha (heyartha.com) is an independent, educational financial arithmetic utility and statutory guide website created and maintained by Shivam Kushwaha, a Chartered Accountancy (CA) Intermediate student.

The platform provides browser-based calculation models across five categories: Tax (such as Schedule BP regular business tax, Section 44AD/44ADA presumptive taxation, Tax Twin, and Advance Tax interest estimators under Section 234C), Money (such as Rent vs Buy vs Invest, Shock Test, AI Payback, and Principle Check), Loans (such as Loan Freedom and EMI Truth), Salary (such as In-Hand Salary and Offer Decoder), and Investing (such as Pitch Decoder), alongside explanatory guides and regulatory breakdowns.

2. Explicit Disclaimer — Not Professional Advice

• No CA Review: The calculators, models, formulas, and guides on HeyArtha have been compiled by the author based on public statutory text and standard financial mathematics. They have NOT been reviewed by a practicing Chartered Accountant.
• No ICAI Affiliation: HeyArtha is an independent project and is not affiliated with, approved by, or endorsed by the Institute of Chartered Accountants of India (ICAI) or the Income Tax Department of India.
• User Responsibility to Verify: Indian tax laws, notifications, court judgments, and financial regulations change frequently and are subject to diverse judicial interpretations. You must consult a qualified Chartered Accountant, tax advocate, or registered investment advisor before making financial commitments, computing actual tax payments, or filing returns with authorities.

3. Access and Pricing

All calculation utilities, comparison models, and guides on HeyArtha are openly accessible at no charge. You do not need to purchase a subscription, submit payment details, or create an account to use our tools or read our articles.

Where other optional features exist, their pricing and terms are described on their respective pages and are governed by our Refund Policy.

4. Eligibility & Acceptable Use

You may use HeyArtha subject to the following rules:

• You must be at least 18 years old or access the site under parental/guardian supervision.
• You agree to use the calculators and guides for legitimate personal, educational, or professional exploratory purposes.
• You agree not to scrape, systematically harvest, or use automated bots to extract large volumes of content without written permission.
• You agree not to attempt to disrupt or overwhelm our hosting infrastructure, reverse-engineer proprietary frontend assets, or bypass rate limits.
• You agree not to present outputs from HeyArtha to third parties as statements signed off by a Chartered Accountant or as official tax filings.

5. Intellectual Property

The HeyArtha name, logo, custom user interface design, visual diagrams, and proprietary JavaScript calculation implementations are the intellectual property of Shivam Kushwaha / HeyArtha.

Statutory texts, legislative citations, government circulars, and tax acts referenced on the platform remain the property of their respective official public publishers (Government of India / Ministry of Finance).

6. Limitation of Liability

HeyArtha is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including but not limited to the accuracy, completeness, or suitability of calculations for any specific situation.

To the maximum extent permitted by applicable Indian law, HeyArtha, its creator, and contributors shall not be held liable for:

• Any direct, indirect, incidental, punitive, or consequential damages resulting from the use of or inability to use the calculators.
• Any tax interest, penalties (e.g. Sections 234A, 234B, 234C, 270A, or 271H), demand notices, or assessments issued by tax authorities.
• Any discrepancies between browser calculations and actual return filings or financial contracts.
• Temporary site unavailability, server downtime, or calculation bugs.

7. Indemnification

You agree to defend, indemnify, and hold harmless HeyArtha and its operator against any claims, liabilities, losses, or legal expenses resulting from your breach of these Terms or misuse of the platform's calculators and content.

8. Modifications to Service & Terms

We reserve the right to update, modify, or discontinue any calculator, guide, or feature at any time without prior notice. Continued use of the platform following any modifications to these Terms constitutes your acceptance of the updated Terms.

9. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to these Terms or your use of HeyArtha shall be subject to the exclusive jurisdiction of the competent courts in Madhya Pradesh, India.

10. Contact Information

For inquiries regarding these Terms or legal notices:

Legal pages on HeyArtha

• Privacy Policy

  How HeyArtha handles data: calculator inputs are calculated in your browser, with disclosures for analytics, cookies and DPDP Act rights.

• Cookie & Storage Policy

  How HeyArtha uses cookies and local browser storage. Calculator inputs remain on your device and are not stored on our servers.

• Disclaimer

  Statutory disclaimer and educational notice for HeyArtha calculators and guides. Content and tools are not reviewed by a Chartered Accountant.

• Refund & Cancellation Policy

  HeyArtha refund and cancellation policy. The calculators and guides cost nothing and no paid plans are offered.

• Contact Us & Grievance Redressal

  Contact HeyArtha for calculator support, math corrections, editorial feedback, or reach the Grievance Officer under IT Rules 2021.