Please read this End-User License Agreement ("Agreement" or "EULA") carefully before downloading, installing, or using All Calculator: EMI, SIP, GST, Block Master 3D, or any associated software applications, digital utility tools, and services provided by Smart Calc Studio ("Licensor", "we", "us", or "our").

By downloading, installing, accessing, or using our applications, you agree to be bound by the terms and conditions of this Agreement. If you do not agree to the terms of this Agreement, do not download, install, or use the applications.

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1. Grant of License

Subject to your strict compliance with this Agreement, the Licensor grants you a personal, revocable, limited, non-exclusive, non-transferable, non-sublicensable license to download, install, and execute the Application on mobile devices or tablets owned or controlled by you, solely for your personal, non-commercial use.

2. Usage Restrictions

You agree not to, and you will not permit any third party to:

• License, sell, rent, lease, assign, distribute, transmit, host, outsource, disclose, or otherwise commercially exploit the Application.
• Modify, translate, make derivative works of, disassemble, decrypt, reverse compile, or reverse engineer any part of the Application source code.
• Remove, alter, or obscure any proprietary copyright, trademark, or ownership notices displayed within the Application.
• Use the Application for any fraudulent, unlawful, or unauthorized purpose.

3. Intellectual Property Rights

The Application, including without limitation all software source code, graphics, user interface designs, mathematical algorithms, audio assets, trademarks, and logos, are and shall remain the sole and exclusive intellectual property of the Licensor (Narendra Doddamani / Smart Calc Studio).

4. User Data & Financial Calculations Disclaimer

All Calculator: EMI, SIP, GST performs financial computations (such as EMI, SIP investment returns, GST taxes, and unit conversions) locally on your device. The mathematical outputs provided by the Application are for informational and planning purposes only and do not constitute formal financial, investment, accounting, or legal advice. The Licensor does not collect or transmit sensitive private financial numbers to external servers.

5. Third-Party Services

Our applications may integrate third-party services (such as Google Play Services and anonymized analytics). You acknowledge and agree that the Licensor is not responsible for third-party privacy practices or content availability.

6. Disclaimer of Warranties

THE APPLICATION IS PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS WITH ALL FAULTS. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, THE LICENSOR EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE LICENSOR BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE APPLICATION.

8. Termination

This Agreement remains effective until terminated. Your rights under this License will terminate automatically without notice if you breach any term of this Agreement. Upon termination, you must cease all use and delete all copies of the Application from your devices.

9. Contact Information

If you have any questions or inquiries regarding this End-User License Agreement, please contact us at:

Welcome to Smart Calc Studio. We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our applications, games, and online tools.

By using our website, you agree to the practices described in this Privacy Policy.

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1. Information We Collect

We may collect the following types of information:

Personal Information

We may collect personal information that you voluntarily provide, such as:

• Name
• Email address
• Contact information
• Any information you provide when contacting us

Non-Personal Information

We may automatically collect:

• IP address
• Browser type
• Device information
• Operating system
• Pages visited
• Date and time of access
• Referring website
• Anonymous usage statistics

2. How We Use Your Information

We use the information we collect to:

• Provide and improve our website, games, applications, and tools.
• Respond to inquiries and support requests.
• Monitor website performance and security.
• Analyze usage trends.
• Display relevant advertisements.
• Prevent fraud and unauthorized activities.
• Comply with legal obligations.

3. Cookies

We use cookies and similar technologies to:

• Remember user preferences.
• Improve website functionality.
• Analyze website traffic.
• Personalize content and advertisements.

You may disable cookies through your browser settings, although some features may not function properly.

4. Google AdSense and Third-Party Advertising

Our website may display advertisements provided by Google AdSense and other third-party advertising partners.

These partners may use cookies and similar technologies to display personalized advertisements based on your visits to this and other websites.

For more information about Google's advertising practices, please visit Google's Privacy & Terms page.

5. Google Analytics

We may use Google Analytics to understand how visitors use our website. Google Analytics collects anonymous information such as pages visited, time spent on pages, and browser information.

6. Third-Party Links

Our website may contain links to third-party websites or applications. We are not responsible for the privacy practices or content of those websites.

7. Data Security

We implement reasonable security measures to protect your information. However, no method of transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Children's Privacy

Our website, applications, and games are not intended to knowingly collect personal information from children under the applicable age required by law.

If you believe that a child has provided personal information, please contact us so we can remove it.

9. Your Rights

Depending on your location and applicable laws, you may have the right to:

• Access your personal information.
• Request correction of inaccurate information.
• Request deletion of your personal information.
• Withdraw consent where applicable.
• Object to certain processing activities.

To exercise these rights, please contact us.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us:

By using Smart Calc Studio, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

Welcome to Smart Calc Studio. These Terms and Conditions ("Terms") govern your use of our website, applications, games, and related services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our website.

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1. Acceptance of Terms

By using this website, you confirm that you have read, understood, and agreed to these Terms and all applicable laws and regulations.

2. Use of the Website

You agree to:

• Use the website only for lawful purposes.
• Not interfere with the website's operation or security.
• Not attempt to gain unauthorized access to any part of the website or its systems.
• Not upload or distribute malicious software, viruses, or harmful code.

3. Applications and Games

Our website may provide access to mobile applications, browser games, and downloadable software.

Applications and games are provided "as is" without guarantees of uninterrupted availability.

Features, content, and functionality may be updated, modified, or discontinued at any time without prior notice.

4. Intellectual Property

All content on this website, including text, graphics, logos, icons, software, applications, games, and other materials, is owned by us or our licensors and is protected by applicable intellectual property laws.

You may not:

• Copy, reproduce, distribute, or modify our content without written permission.
• Reverse engineer or decompile our applications or games except where permitted by law.

5. User Conduct

You agree not to:

• Use cheats, bots, hacks, or unauthorized software.
• Attempt to exploit bugs or vulnerabilities.
• Harass, abuse, or harm other users.
• Violate any applicable laws or regulations.

6. User Accounts

If you create an account:

• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activities under your account.
• We reserve the right to suspend or terminate accounts that violate these Terms.

7. Advertisements

Our website, applications, and games may display advertisements provided by third-party advertising partners. We are not responsible for the content, accuracy, or practices of third-party advertisements.

8. Third-Party Services

Our website may contain links to third-party websites or services. We do not control or endorse these services and are not responsible for their content, privacy practices, or availability.

9. Privacy

Your use of the website is also governed by our Privacy Policy. By using our services, you consent to the collection and use of information as described in the Privacy Policy.

10. Disclaimer of Warranties

The website, applications, and games are provided on an "as is" and "as available" basis. We make no warranties regarding:

• Availability or uninterrupted access.
• Accuracy or completeness of content.
• Error-free operation.
• Fitness for a particular purpose.

11. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the website, applications, or games.

12. Updates and Maintenance

We may update, maintain, suspend, or discontinue any part of the website, applications, or games at any time without notice.

13. Termination

We reserve the right to suspend or terminate your access to the website at our sole discretion if you violate these Terms or engage in unlawful activity.

14. Children's Use

If our games or applications are intended for children, parents or legal guardians should supervise their use. Users under the applicable legal age should use the website only with parental or guardian consent where required by law.

15. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of India, without regard to conflict of law principles.

16. Changes to These Terms

We may revise these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Continued use of the website constitutes acceptance of the updated Terms.

17. Contact Us

If you have any questions regarding these Terms and Conditions, please contact us at:

By accessing or using this website, you acknowledge that you have read, understood, and agree to these Terms and Conditions.