Terms & conditions
The rules for using this site. Last updated 9 August 2026.
1. Agreement
By using pmnm.in you agree to these terms. If you do not agree with them, please do not use the site. These terms apply alongside our privacy policy and disclaimer.
2. What the service is
PMNM.in provides free, browser-based calculators and utilities. No registration is required and no fee is charged. We may add, change, or withdraw tools, and change formulas or assumptions when rules change or errors are found, without prior notice.
3. Acceptable use
You may use the tools freely for personal and commercial purposes. You may not:
- copy, scrape or republish substantial parts of the site's content or tool logic as your own;
- attempt to interfere with the site's operation, security or availability, or to gain unauthorised access to any system;
- use automated systems to place unreasonable load on the site;
- use the site in any way that breaks applicable law, or to produce or distribute misleading financial, legal or eligibility claims;
- remove, obscure or interfere with advertising or attributions, or generate artificial ad impressions or clicks.
4. Results are estimates, not advice
Tool outputs are informational estimates produced from the values you supply and the assumptions published on each page. They are not professional financial, tax, legal, employment, engineering, agricultural or medical advice, and no professional relationship arises from your use of the site. See the disclaimer in full — it forms part of these terms.
5. Your data
Calculations run in your browser and we do not receive the values you enter. You are responsible for the accuracy of what you type and for verifying results before acting on them.
6. Intellectual property
The site's design, written content, tool interfaces, icons and code are owned by the operators of PMNM.in and are protected by applicable copyright law. Standard formulas, statutory rules, mathematical methods and publicly available conversion factors are not claimed as our property — the specific expression, presentation, explanations and implementation are.
You may quote short extracts with attribution and a link. You may not reproduce whole pages, mirror the site, or repackage the tools without written permission.
7. Submissions
If you send us feedback, a correction, or a tool suggestion, you grant us permission to use it to operate and improve the site without obligation, compensation or attribution. Do not send confidential information or anything you do not have the right to share. We may implement a suggested tool without acknowledgement, and similar ideas frequently arrive from several people independently.
8. Third-party services and links
The site may load third-party services such as analytics and advertising, and may link to external sites. We do not control them and are not responsible for their content, practices or availability. Your dealings with advertisers or linked sites are solely between you and them.
9. Availability
The site is provided "as is" and "as available". We do not guarantee uninterrupted or error-free operation, and may suspend or discontinue any part of it at any time.
10. Limitation of liability
To the maximum extent permitted by law, we exclude all warranties, express or implied, and accept no liability for any loss or damage arising from your use of the site or reliance on its results. Nothing in these terms limits liability that cannot lawfully be limited.
11. Indemnity
You agree to indemnify PMNM.in and its operators against claims arising from your misuse of the site or breach of these terms.
12. Changes
We may update these terms. The current version is always on this page with its last-updated date. Continuing to use the site after a change means you accept the revised terms.
13. Governing law
These terms are governed by the laws of India, and the courts of India shall have jurisdiction over any dispute arising from them.
14. Contact
Questions about these terms: contact@pmnm.in.