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Terms & Conditions

Last updated: July 11, 2026

Welcome to OweClear ("Website," "we," "our," or "us"). These Terms & Conditions ("Terms") govern your access to and use of our website, financial calculators, tools, content, and related services.

By accessing or using OweClear, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Website.

1. Eligibility

You represent that you are legally capable of entering into a binding agreement under the laws applicable to you. If you are using the Website on behalf of an organization, you represent that you have authority to bind that organization.

2. Educational Purpose Only

OweClear provides financial calculators, educational articles, and informational resources intended solely for general educational and informational purposes.

Nothing on this Website constitutes financial, legal, tax, accounting, investment, insurance, or other professional advice.

Always consult a qualified professional before making financial decisions.

3. Calculator Results

Our calculators are designed to provide estimates based on the information you enter.

Results:

  • Are estimates only.
  • May differ from actual financial products or lender calculations.
  • Should not be considered a guarantee.
  • Must not be relied upon as the sole basis for financial decisions.

You are responsible for verifying all information independently.

4. User Responsibilities

When using the Website, you agree to:

  • Provide accurate information when using calculators.
  • Use the Website lawfully.
  • Not attempt unauthorized access to our systems.
  • Not interfere with Website functionality.
  • Not upload malicious code, viruses, or harmful software.
  • Not misuse automated tools to scrape or overload the Website.

5. Intellectual Property

Unless otherwise stated, all content on OweClear—including text, graphics, calculator designs, logos, layouts, icons, and original materials—is owned by or licensed to OweClear and protected by applicable intellectual property laws.

You may:

  • View pages for personal, non-commercial use.
  • Share links to our content.

You may not:

  • Copy or republish our content without permission.
  • Modify or create derivative works.
  • Sell or commercially exploit our materials.

6. Acceptable Use

You agree not to:

  • Violate applicable laws.
  • Attempt to hack or disrupt the Website.
  • Reverse engineer our calculators.
  • Introduce malware or harmful code.
  • Use bots in a manner that negatively affects Website performance.
  • Infringe intellectual property rights.

7. Third-Party Links

The Website may contain links to third-party websites for your convenience.

We do not control or endorse third-party websites and are not responsible for their content, products, services, privacy practices, or availability.

Accessing third-party websites is at your own risk.

8. Advertising

The Website may display advertisements from third-party advertising partners, including Google AdSense.

We are not responsible for:

  • Advertised products or services.
  • Pricing.
  • Availability.
  • Claims made by advertisers.

9. Affiliate Relationships

Some links on the Website may be affiliate links.

If you purchase through those links, we may earn a commission at no additional cost to you.

Affiliate relationships do not influence our editorial content or calculator results.

10. No Warranties

The Website and all content are provided on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by law, we disclaim all warranties, including:

  • Accuracy
  • Completeness
  • Reliability
  • Availability
  • Merchantability
  • Fitness for a particular purpose
  • Non-infringement

We do not guarantee uninterrupted or error-free operation.

11. Limitation of Liability

To the maximum extent permitted by applicable law, OweClear, its owners, affiliates, employees, contributors, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from:

  • Use of the Website.
  • Reliance on calculator results.
  • Financial decisions.
  • Business losses.
  • Data loss.
  • Service interruptions.
  • Errors or omissions.

If applicable law limits this exclusion, liability will be limited to the minimum extent permitted by law.

12. Indemnification

You agree to defend, indemnify, and hold harmless OweClear and its owners, affiliates, employees, and partners from any claims, liabilities, damages, losses, costs, or expenses arising out of your misuse of the Website or violation of these Terms.

13. Privacy

Your use of the Website is also governed by our Privacy Policy.

Please review that policy to understand how we collect, use, and protect information.

14. International Users

OweClear is accessible worldwide.

You are responsible for ensuring that your use of the Website complies with the laws applicable in your country or jurisdiction.

15. Suspension or Termination

We reserve the right to suspend, restrict, or terminate access to the Website, without prior notice, if we believe a user has violated these Terms or applicable law.

16. Changes to These Terms

We may modify these Terms at any time.

Updated Terms become effective upon publication on this page unless otherwise required by law.

Continued use of the Website after updates constitutes acceptance of the revised Terms.

17. Governing Law and Jurisdiction

These Terms & Conditions 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 the Website shall be subject to the exclusive jurisdiction of the competent courts located in Bilaspur, Chhattisgarh, India, unless applicable consumer protection laws in your country provide otherwise.

If you access the Website from outside India, you are responsible for complying with the laws applicable in your own jurisdiction.

18. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the Website, constitute the entire agreement between you and OweClear regarding your use of the Website.

20. Contact

If you have any questions regarding these Terms & Conditions, please contact us through our Contact page.