Terms & Conditions

Last updated: 27 July 2026

Welcome to PMNM.

These Terms and Conditions (“Terms”) govern access to and use of https://pmnm.in/, including its calculators, converters, generators, text utilities, developer utilities, informational content, contact forms, category pages, search features, and other functionality collectively referred to as the “Services.”

In these Terms, “PMNM,” “we,” “us,” and “our” refer to the operator of PMNM. “You” and “your” refer to every visitor or user of the Services.

By accessing or using PMNM, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, do not use the Services.

1. About PMNM

PMNM provides browser-based Tools and informational resources intended to assist with everyday calculations, conversions, estimates, formatting, generation, comparison, and other digital tasks.

The Services may include:

  • Everyday calculators;
  • Financial and business calculators;
  • Creator and collaboration-rate estimators;
  • Date and time utilities;
  • Work-related Tools;
  • Text utilities;
  • Developer Tools;
  • Converters and generators;
  • Search and category-discovery features;
  • Informational articles and supporting content; and
  • Contact, feedback, and Tool-suggestion forms.

PMNM may add, modify, replace, suspend, or remove any Tool, page, category, or feature at its discretion.

2. Acceptance of These Terms

By accessing or using PMNM, you represent that:

  • You can lawfully agree to these Terms;
  • You will use the Services in accordance with applicable laws;
  • Information you voluntarily submit will be accurate to the best of your knowledge;
  • You will not use the Services to harm PMNM, another person, or a third party; and
  • You accept responsibility for decisions made using Tool outputs.

If you use PMNM on behalf of a business or organisation, you represent that you have authority to accept these Terms on behalf of that entity.

3. Eligibility and Children

PMNM is intended for a general audience and is not specifically directed at children.

If you are legally unable to agree to these Terms independently, you may use PMNM only with the involvement and permission of a parent, lawful guardian, or authorised representative.

Children should not submit names, email addresses, files, messages, or other personal information without appropriate parental or guardian involvement.

India’s Digital Personal Data Protection Act, 2023 and the Digital Personal Data Protection Rules, 2025 contain specific provisions concerning children’s personal data and verifiable consent, with relevant obligations subject to their notified commencement timetable.CodeInterpreter

4. Licence to Use PMNM

Subject to these Terms, PMNM grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Services for lawful personal, educational, internal-business, or professional-support purposes.

This licence does not transfer ownership of:

  • PMNM’s source code;
  • Tool implementations;
  • Website designs;
  • Written content;
  • Graphics and visual assets;
  • Databases;
  • Branding;
  • Trademarks; or
  • Other intellectual property.

You may use individual Tool results for lawful purposes, subject to the limitations stated in these Terms and any Tool-specific notice.

5. Permitted Use

You may use PMNM to:

  • Perform personal calculations and conversions;
  • Generate and review informational estimates;
  • Format or transform content you are authorised to use;
  • Support everyday work;
  • Compare possible scenarios;
  • Perform development-related tasks;
  • Evaluate outputs before using them elsewhere;
  • Submit genuine feedback and Tool suggestions; and
  • Share links to publicly accessible PMNM pages.

Important results should be independently verified before being used for financial, legal, tax, health, employment, contractual, regulatory, technical, or business decisions.

6. Prohibited Use

You must not use PMNM to:

  • Violate any applicable law or regulation;
  • Commit fraud or facilitate deceptive activity;
  • Infringe intellectual property, privacy, confidentiality, or other rights;
  • Upload or process content you are not authorised to use;
  • Introduce malware, ransomware, viruses, harmful scripts, or malicious code;
  • Attempt to gain unauthorised access to the website, server, database, or administrator systems;
  • Bypass authentication, rate limits, security controls, or access restrictions;
  • Conduct vulnerability scanning or penetration testing without written permission;
  • Interfere with another user’s access to PMNM;
  • Overload the website with automated requests;
  • Scrape or extract substantial portions of PMNM’s content or data without permission;
  • Reproduce or commercially redistribute a PMNM Tool as your own service;
  • Misrepresent a PMNM output as an official, certified, or professionally approved result;
  • Use PMNM to create or distribute unlawful, harmful, deceptive, or infringing material;
  • Reverse engineer protected portions of the Services except where applicable law expressly permits it; or
  • Use the contact form for spam, unsolicited promotion, abusive communication, or automated submissions.

PMNM may restrict or block activity that reasonably appears abusive, unlawful, harmful, automated, or disruptive.

7. Automated Access and Scraping

Automated access—including bots, crawlers, scrapers, data-mining systems, and bulk-request tools—is prohibited unless:

  • The activity is performed by a recognised search engine for ordinary indexing;
  • PMNM has expressly permitted the activity in writing; or
  • Applicable law requires access.

You must not use automated means to:

  • Replicate the PMNM Tool catalogue;
  • Extract a substantial portion of Tool content;
  • create a competing database;
  • avoid usage restrictions;
  • overload PMNM’s infrastructure; or
  • collect information about other users.

PMNM may apply technical controls such as rate limiting, bot detection, firewall rules, and request blocking.

8. Tool Results and Accuracy

PMNM aims to provide useful and reasonably accurate Tools, but outputs may be affected by:

  • User-entered data;
  • Selected options or units;
  • Simplified formulas;
  • Rounding and decimal precision;
  • Regional differences;
  • Currency or market changes;
  • Outdated rates or thresholds;
  • Browser and device behaviour;
  • Third-party data;
  • Technical errors; and
  • Assumptions not suitable for every situation.

PMNM does not warrant that every result is accurate, complete, current, suitable, or error-free.

You are responsible for:

  • Checking entered values;
  • Reviewing Tool assumptions;
  • Understanding applicable units;
  • Evaluating whether a Tool is suitable;
  • Independently verifying important results; and
  • Obtaining qualified professional advice where necessary.

9. Estimates and Illustrative Outputs

Some PMNM Tools produce estimates, suggested ranges, projections, examples, or illustrative scenarios.

Examples may include:

  • Creator and influencer-rate estimates;
  • Business pricing;
  • Salary or work calculations;
  • Financial projections;
  • Investment-growth illustrations;
  • Loan or interest estimates;
  • Date calculations;
  • Unit conversions;
  • Marketing calculations; and
  • Generated content.

Such outputs are not guarantees of actual results.

Actual outcomes may differ because of market conditions, negotiations, taxes, fees, contractual terms, platform policies, regional practices, personal circumstances, professional judgement, and factors not included in the Tool.

10. No Professional Advice

PMNM does not provide legal, financial, investment, tax, accounting, medical, health, insurance, employment, engineering, regulatory, or other professional advice.

Tool results and written content are provided for general informational and convenience purposes.

Before making an important decision or taking action with material consequences, consult an appropriately qualified professional.

Use of PMNM does not create:

  • A lawyer-client relationship;
  • A financial-adviser relationship;
  • A doctor-patient relationship;
  • An accountant-client relationship;
  • A consultant-client relationship;
  • A fiduciary relationship; or
  • Any other professional relationship.

Refer to the PMNM Disclaimer for additional limitations.

11. Financial and Business Tools

Financial, pricing, investment, loan, interest, salary, profit, business, tax, and creator-rate Tools are provided only as general informational aids.

PMNM does not recommend:

  • An investment;
  • A loan;
  • A pricing decision;
  • A tax position;
  • A transaction;
  • A financial product;
  • A contractual arrangement; or
  • A business strategy.

You are responsible for considering taxes, fees, inflation, contractual terms, risk, local laws, market conditions, and professional advice.

Past information, projected growth, estimated returns, and suggested prices do not guarantee future results.

12. Health-Related Tools

If PMNM provides health, wellness, body-measurement, or similar Tools, those Tools are intended only for general educational and awareness purposes.

They must not be used to:

  • Diagnose a condition;
  • Replace a medical examination;
  • Determine a treatment;
  • Delay professional assistance; or
  • Handle an emergency.

Contact a suitably qualified healthcare professional about medical concerns.

13. User Inputs

You retain responsibility for information you enter into a PMNM Tool.

You represent that:

  • You have the right to use the information;
  • The information does not unlawfully infringe third-party rights;
  • The information does not contain prohibited or malicious content; and
  • Processing the information through PMNM is lawful.

PMNM is not responsible for outputs produced from inaccurate, incomplete, misunderstood, or unsuitable inputs.

14. Text, Files, and Uploaded Content

Some Tools may allow text entry or file uploads.

You must not submit:

  • Passwords;
  • Payment-card or banking details;
  • Government identification numbers;
  • Private API keys;
  • Medical records;
  • Confidential business information;
  • Unlawfully obtained material;
  • Malware;
  • Content that infringes another person’s rights; or
  • Other information that could cause harm if disclosed.

You are responsible for keeping independent copies of important files and content.

PMNM is not a permanent storage, backup, archival, or recovery service.

Tool-specific notices may explain whether information:

  • Remains in your browser;
  • Is temporarily uploaded;
  • Is sent to a third-party processor; or
  • Is automatically deleted.

15. Browser-Based Processing

Some PMNM Tools may perform processing directly within your browser.

Where a Tool is described as browser-based, the input is intended to be processed locally without being uploaded for the central calculation.

However, normal website requests and technical information may still be processed, including:

  • Server logs;
  • Analytics events;
  • Security records;
  • Network requests; and
  • Browser or device metadata.

Refer to the Privacy Policy and Tool-specific notices for more information.

16. Generated Content

Some PMNM Tools may generate:

  • Text;
  • Templates;
  • Examples;
  • Random values;
  • Identifiers;
  • Suggestions;
  • Formatted outputs; or
  • Other automated content.

Generated content may contain errors, omissions, unintended patterns, unsuitable wording, or material requiring additional review.

You are responsible for reviewing generated outputs before:

  • Publishing them;
  • Sending them to another person;
  • Using them commercially;
  • Using them in professional work;
  • Submitting them to an authority;
  • Including them in a contract; or
  • Relying on them for an important decision.

PMNM does not guarantee that generated content is unique, original, accurate, legally compliant, or suitable for a particular purpose.

17. Contact Forms and Tool Suggestions

PMNM allows users to submit:

  • Tool suggestions;
  • Technical-problem reports;
  • Incorrect-result reports;
  • Business enquiries;
  • Privacy requests; and
  • General questions.

When submitting a message, you agree that:

  • The information is genuine and relevant;
  • You will not include prohibited sensitive information;
  • Your message may be reviewed for the stated purpose;
  • PMNM may contact you using the submitted email address; and
  • Submitting a Tool idea does not create an obligation for PMNM to build, publish, purchase, or compensate you for the idea.

PMNM may use general ideas, feature suggestions, and non-confidential feedback to improve the Services without owing compensation or attribution, unless PMNM separately agrees otherwise in writing.

Do not submit confidential product plans, proprietary formulas, trade secrets, or information you do not authorise PMNM to review.

18. Feedback

If you provide comments, recommendations, bug reports, ratings, or other feedback, you grant PMNM permission to use that feedback to operate, improve, correct, and develop the Services.

This permission is:

  • Worldwide;
  • Non-exclusive;
  • Royalty-free; and
  • Not dependent on compensation.

This clause does not transfer ownership of confidential material or personal data. Personal data remains subject to the Privacy Policy.

19. Intellectual Property

Unless otherwise stated, PMNM or its licensors own the rights in:

  • The PMNM name and branding;
  • Website design and layout;
  • Tool interfaces;
  • Original software and code;
  • Written explanations;
  • Graphics and illustrations;
  • Page structures;
  • Databases and collections;
  • Tool descriptions;
  • Original documentation; and
  • Other original website materials.

You must not copy, reproduce, republish, sell, license, distribute, or create a competing service from a substantial part of PMNM without written permission.

You may:

  • Link to public PMNM pages;
  • Quote a limited excerpt with attribution where legally permitted;
  • Use Tool outputs for a lawful purpose; and
  • Take ordinary screenshots for personal reference or genuine commentary.

Use of PMNM’s name, logo, or visual identity in a manner suggesting sponsorship, endorsement, affiliation, or ownership is prohibited without permission.

20. Third-Party Intellectual Property

Third-party product names, platform names, logos, trademarks, libraries, and other references belong to their respective owners.

Their appearance on PMNM does not necessarily imply:

  • Sponsorship;
  • Affiliation;
  • Endorsement;
  • Approval; or
  • A commercial relationship.

PMNM may make limited references to third-party brands for identification, compatibility, comparison, commentary, documentation, or informational purposes.

21. Open-Source and Third-Party Software

PMNM may use open-source libraries, WordPress software, plugins, APIs, frameworks, and other third-party components.

Those components may be governed by separate licences and terms.

Nothing in these Terms changes a third-party open-source licence or grants PMNM ownership beyond the rights provided by the applicable licence.

22. External Links

PMNM may link to external websites, documents, references, services, and platforms.

External links are provided for information or convenience. PMNM does not necessarily:

  • Control the external website;
  • Approve all external content;
  • Guarantee external accuracy;
  • Endorse an external product; or
  • Accept responsibility for external privacy or security practices.

Your use of an external service is governed by that service’s terms and policies.

23. Third-Party Services

PMNM may depend on providers supporting:

  • Hosting;
  • Domain services;
  • Email delivery;
  • Analytics;
  • Spam prevention;
  • Security;
  • Content delivery;
  • APIs;
  • File processing;
  • Advertising; and
  • Other technical functions.

Third-party availability and policies may change without PMNM’s control.

PMNM is not responsible for an interruption or loss caused solely by an independent third-party provider beyond PMNM’s reasonable control, subject to rights that cannot lawfully be excluded.

24. Advertising, Affiliate Links, and Sponsorships

PMNM may display advertising, sponsorships, partnerships, or affiliate links now or in the future.

Where appropriate, commercial relationships will be disclosed.

The presence of an advertisement or affiliate link does not automatically constitute a recommendation or guarantee.

You are responsible for evaluating:

  • Product claims;
  • Prices;
  • Seller terms;
  • Subscription conditions;
  • Refund policies;
  • Warranties; and
  • Suitability.

Any transaction with a third party is ordinarily between you and that third party.

25. Free and Paid Services

PMNM currently may provide certain Tools without charge.

PMNM does not guarantee that every Tool or feature will remain free permanently.

PMNM may introduce:

  • Paid Tools;
  • Premium features;
  • Usage limits;
  • Subscriptions;
  • Advertising-supported features;
  • Commercial licences; or
  • Other pricing models.

Any paid service will be subject to the pricing, payment, renewal, cancellation, and refund terms displayed when that service is offered.

PMNM will not charge you for a paid service without presenting the applicable price and obtaining the required action or authorisation.

26. Availability and Changes

PMNM does not guarantee uninterrupted availability.

The Services may be interrupted due to:

  • Maintenance;
  • Software updates;
  • Hosting problems;
  • Security incidents;
  • Network outages;
  • Third-party failures;
  • Legal requirements; or
  • Events outside reasonable control.

PMNM may change, restrict, suspend, or discontinue a Tool or feature.

Where practical, PMNM may provide notice of a material or permanent change, but advance notice cannot always be guaranteed.

27. Security

You must not attempt to compromise PMNM’s security.

Prohibited security-related activity includes:

  • Accessing restricted systems;
  • Circumventing security controls;
  • Exploiting vulnerabilities;
  • Testing systems without written permission;
  • Intercepting communications;
  • Deploying harmful code;
  • Conducting denial-of-service activity; or
  • Attempting to obtain another person’s data.

If you discover a potential vulnerability, report it privately through:

Email: contact@pmnm.in
Subject: Security Report — PMNM

Do not publicly disclose an unresolved vulnerability or exploit it beyond what is reasonably necessary to submit a responsible report.

28. Accounts

PMNM currently may allow access to basic Tools without requiring an account.

If accounts are introduced, users will be responsible for:

  • Providing accurate registration information;
  • Protecting login credentials;
  • Maintaining account security;
  • Promptly reporting suspected unauthorised access; and
  • Activity performed through the account.

Additional account-specific terms may be introduced when account functionality becomes available.

29. Privacy

Use of PMNM is also governed by the PMNM Privacy Policy.

The Privacy Policy explains matters such as:

  • Contact-form submissions;
  • Technical logs;
  • Analytics;
  • Cookies;
  • Tool processing;
  • Data retention;
  • Security;
  • Third-party providers; and
  • Privacy requests.

Contact Form 7 states that its default configuration does not itself store submitted personal data in the WordPress database, send data to external services, or use cookies; however, enabled integrations may transmit submitter information to their providers.CodeInterpreter

30. Disclaimer of Warranties

To the fullest extent permitted by applicable law, PMNM and the Services are provided on an“as is” and“as available” basis.

PMNM does not make express or implied warranties concerning:

  • Accuracy;
  • Completeness;
  • Availability;
  • Reliability;
  • Security;
  • Fitness for a particular purpose;
  • Suitability for a specific jurisdiction;
  • Error-free operation;
  • Compatibility with every device;
  • Non-infringement; or
  • A particular result.

No statement in these Terms excludes a warranty, right, responsibility, or remedy that cannot lawfully be excluded.

31. Limitation of Liability

To the fullest extent permitted by applicable law, PMNM will not be liable for indirect, incidental, special, exemplary, or consequential losses arising from use of or inability to use the Services.

This may include:

  • Financial loss;
  • Business interruption;
  • Lost revenue;
  • Lost opportunity;
  • Data loss;
  • File corruption;
  • Decisions based on an estimate;
  • Reliance on an incorrect result;
  • Third-party service failures;
  • Website unavailability; or
  • Unauthorised use caused by the user’s own conduct.

You remain responsible for independently verifying important information and maintaining backups.

Nothing in these Terms limits or excludes liability where limitation or exclusion is prohibited by applicable law.

32. Indemnity

To the extent permitted by applicable law, you agree to be responsible for reasonable losses, claims, expenses, or liabilities arising directly from:

  • Your unlawful use of PMNM;
  • Your material breach of these Terms;
  • Content you submit without necessary rights;
  • Your infringement of another person’s rights; or
  • Deliberate interference with PMNM’s security or operation.

This section does not require you to compensate PMNM for losses caused by PMNM’s own unlawful conduct or where such responsibility cannot lawfully be imposed.

33. Suspension and Termination

PMNM may restrict or terminate access where reasonably necessary because of:

  • A material breach of these Terms;
  • Unlawful conduct;
  • Fraud or deception;
  • Security threats;
  • Automated abuse;
  • Attempts to disrupt the Services;
  • Infringement of third-party rights; or
  • A legal or regulatory requirement.

Where appropriate and reasonably possible, PMNM may provide notice or an opportunity to correct a breach.

Provisions intended to survive termination—including intellectual-property, liability, dispute, and enforcement provisions—will continue to apply where relevant.

34. Reporting Infringement or Abuse

To report unlawful content, infringement, misuse, spam, or abusive activity, contact:

Email: contact@pmnm.in
Subject: Content or Abuse Report — PMNM

Include:

  • The relevant URL;
  • A description of the concern;
  • The right or rule allegedly affected;
  • Supporting information;
  • Your contact details; and
  • The action requested.

Do not submit misleading reports or knowingly false claims.

35. Electronic Communications

When you contact PMNM electronically, you agree that PMNM may respond electronically using the email address you provided.

Electronic notices may include:

  • Responses to enquiries;
  • Operational information;
  • Privacy communications;
  • Security notifications;
  • Service-related messages; and
  • Updates to active requests.

The Information Technology Act, 2000 recognises electronic records and electronic contracts, subject to its provisions and other applicable laws.CodeInterpreter

PMNM will not treat a general contact enquiry as consent to unrelated promotional marketing.

36. Governing Law

These Terms are governed by the laws of India, without prejudice to consumer rights or mandatory protections that apply under applicable law.

Before publishing this clause, the operator should insert the appropriate city and state for PMNM’s actual legal or business location.

Suggested final wording after legal review:

Subject to applicable consumer-protection requirements and mandatory law, courts located in[South Delhi, Delhi, India] will have jurisdiction over disputes arising from these Terms or the Services.

Do not leave the placeholder in the published version.

37. Dispute Resolution

Before initiating formal proceedings, you and PMNM should attempt to resolve the concern in good faith.

A dispute notice should include:

  • Your name and contact details;
  • The relevant Tool or page;
  • A description of the issue;
  • The outcome requested; and
  • Supporting information.

Send dispute notices to:

Email: contact@pmnm.in
Subject: Formal Dispute Notice — PMNM

Nothing in this section prevents either party from seeking urgent relief where necessary or exercising a right that cannot lawfully be restricted.

38. Consumer Rights

Nothing in these Terms is intended to exclude, limit, or waive rights available under mandatory consumer-protection law.

If a provision conflicts with a non-excludable legal right, that right will prevail to the extent of the conflict.

India’s Consumer Protection Act, 2019 establishes consumer-protection mechanisms and addresses matters including unfair trade practices and false or misleading advertisements.CodeInterpreter

39. Changes to These Terms

PMNM may update these Terms to reflect:

  • New Tools;
  • Website changes;
  • Paid features;
  • User accounts;
  • Advertising;
  • Changes to third-party services;
  • Security requirements;
  • Legal developments; or
  • Operational improvements.

The revised Terms will be posted on this page with an updated“Last updated” date.

If a change materially affects registered or paying users in the future, PMNM may provide additional notice where appropriate or legally required.

Continued use of the Services after updated Terms take effect constitutes acknowledgement of the revised Terms.

40. Severability

If a provision of these Terms is found invalid or unenforceable, the remaining provisions will continue to apply.

The invalid provision will be interpreted or modified only to the minimum extent necessary to make it enforceable where legally permitted.

41. No Waiver

If PMNM does not immediately enforce a provision, that does not mean PMNM has waived the provision or the right to enforce it later.

A waiver is effective only where clearly made by an authorised representative.

42. Assignment

You may not transfer your rights or obligations under these Terms to another person without PMNM’s written permission.

PMNM may transfer its rights and obligations as part of a lawful reorganisation, merger, sale, service transfer, or similar transaction, subject to applicable law.

43. Entire Agreement

These Terms, together with the Privacy Policy, Disclaimer, Cookie Policy, and any Tool-specific notices, constitute the agreement governing your use of PMNM.

A Tool-specific term or notice may supplement these Terms for that Tool.

If a Tool-specific notice conflicts with these general Terms, the more specific notice will apply to that Tool to the extent of the conflict.

44. Contact Information

Questions about these Terms may be sent to:

PMNM
Website: https://pmnm.in/
Email: contact@pmnm.in
Contact page: https://pmnm.in/contact/
Legal enquiry: Use “General Question” or “Business Enquiry” on the contact form.

Please do not submit passwords, payment details, government identification numbers, medical information, private API keys, or confidential documents.