1. Nature of Services

The calculators (including but not limited to Tax, EMI, and Gold Loan calculators) provided on the SHASANG A.I. web application are intended solely for informational and illustrative purposes. The outputs generated are based on the inputs provided by the user and do not constitute a commitment, offer, or legal advice from SHASANG A.I.

2. No Professional Advice

SHASANG A.I. is a technology platform and does not provide regulated financial, legal, or tax consultancy services.

• Tax Calculator: Results are based on general interpretations of the Income Tax Act. Individual tax liabilities may vary based on specific exemptions, deductions, and changes in the Union Budget.
• EMI & Gold Loan: Interest rates, processing fees, and loan-to-value (LTV) ratios are subject to change by individual banks and NBFCs.
• SIP & FD Calculators: The calculations are mathematical projections based on user inputs and do not guarantee future returns. Mutual fund investments are subject to market risks, and Fixed Deposit returns vary based on individual bank policies and compounding frequencies.

3. Accuracy and "As-Is" Basis

While we strive to keep our algorithms updated with the latest Indian financial regulations:

• We do not warrant that the results are 100% accurate, complete, or current.
• The tools are provided on an "As-Is" and "As-Available" basis.
• SHASANG A.I. shall not be held liable for any financial losses or decisions made based on the results of these calculators.

4. User Responsibility

By using these tools, you acknowledge that:

• You will verify all calculations with a qualified Chartered Accountant (CA) or a certified Financial Advisor before making a transaction.
• You understand that actual bank EMI schedules may include additional costs like GST, processing fees, and insurance premiums not captured by this app.
• For Gold Loans, the final valuation is strictly dependent on the physical assaying of gold by the lending institution.

5. Limitation of Liability

In no event shall SHASANG A.I., its directors, or its affiliates be liable for any direct, indirect, incidental, or consequential damages arising out of the use or inability to use the tools provided on the platform.

6. Ethical Sourcing & Unbiased Results

• No Affiliate Bias: SHASANG does not participate in any affiliate marketing programs. We do not receive commissions from Amazon, Udaan, JioMart, or any other third-party platform.
• Objective Comparison: Our recommendations are generated by AI based purely on the lowest available market rates and the user's stated business needs.

7. Data Privacy & Bill Scanning

• Confidentiality: When you scan an invoice or record audio for a Vani-QR, SHASANG extracts only the necessary business data. We do not share your specific purchase history or voice data with competitors.
• Security: Your uploaded documents and audio recordings are processed securely and encrypted.

8. AI Policy and AI-Generated Content

Several features within the SHASANG A.I. application, such as the "AI Financial Advisor" and "AI Content Generation," utilize artificial intelligence to provide insights, recommendations, and content. By using any of the features in the app you agree to the following terms:

• For Informational Purposes Only: AI-generated content is provided for informational and illustrative purposes only. It is not intended to be, and should not be considered as, professional financial, legal, investment, or any other form of regulated advice.
• No Guarantee of Accuracy: While we strive to provide accurate and relevant information, SHASANG A.I. makes no representations or warranties regarding the accuracy, completeness, or reliability of any information or content generated by our AI services. AI models can make mistakes and may produce inaccurate or outdated information.
• AI Question Paper Builder: This tool generates questions based on the subjects and chapters you provide. You are solely responsible for reviewing, editing, and verifying the suitability of all generated questions and marks before using them in any official capacity.
• AI Answer Evaluator: This tool uses AI to score and provide feedback on a student's answer. The evaluation is generated based on the AI's understanding of the curriculum and is for guidance only. It is not a substitute for an official evaluation by a qualified teacher or examiner.
• AI Vani-QR: This tool uses AI to transcribe audio and summarize offers. You are responsible for ensuring your recordings are clear and that the resulting AI-generated "Key Offer" and "Transcription" accurately represent your promotion. SHASANG A.I. is not liable for marketing errors resulting from AI interpretation.
• User Responsibility and Verification: You are solely responsible for any decisions or actions you take based on AI-generated content. You must independently verify any information and consult with a qualified professional before making any decisions based on the AI's output.
• Limitation of Liability: SHASANG A.I. and its affiliates shall not be liable for any errors, omissions, or inaccuracies in the AI-generated content or for any actions taken in reliance thereon.

9. User Responsibilities & Consent

By using SHASANG A.I, you agree to:

• Accuracy: Provide a valid email and phone number that belongs to you.
• Notifications: Consent to receive transactional SMS and Emails related to your account activity and purchases.
• Security: Maintain the confidentiality of your login credentials linked to these contact details.
• Usage: Acknowledge that SHASANG A.I uses these identifiers to link your processed documents (Office Work tools) to your specific user profile.