Terms of Service

Plain English Summary

• myporul.com and the Porul Android app provide free, educational financial tools
• All calculators and trackers are for guidance only — not professional financial advice
• You are responsible for verifying numbers with your lender or advisor
• We are not liable for financial decisions made using this site or app
• Content is owned by MyPorul — do not copy without permission
• Governing law: India. Jurisdiction: Tamil Nadu

1. Acceptance of Terms

By accessing myporul.com or using the Porul Android app, you agree to these Terms of Service ("Terms"). If you do not agree, please do not use the website or app. These Terms apply to all visitors, users, and anyone who accesses any part of myporul.com or the Porul app.

2. What MyPorul Provides

MyPorul (myporul.com and the Porul app) provides free educational tools offering:

• Daily Burn Rate Calculator — estimates your daily spending rate and financial runway
• Kakeibo Expense Tracker — helps track categorised spending (App only)
• EMI Calculator — computes monthly loan payments, true APR, and hidden charges
• Blog Content — educational articles on personal finance rooted in Thirukkural philosophy

Website tools run entirely in your browser. App tools run locally on your device. No account creation is required for core features. No data is transmitted to our servers.

3. Not Financial Advice

Important: MyPorul provides financial tools and educational content — not professional financial advice. Nothing on this website or in the app should be construed as personalised investment, tax, legal, or financial advice.

Specifically:

• EMI calculations are mathematical estimates — actual bank calculations may differ
• True APR calculations use standard formulas — lender-specific fees may change results
• Hidden charges detection is based on general patterns — your specific loan agreement governs
• Daily Burn Rate and runway estimates are illustrative, not predictive
• Blog posts represent the author's opinion — not professional financial guidance

Always verify calculations with your bank or a certified financial advisor before making financial decisions.

4. Acceptable Use

4.1 Permitted Use

• Personal, non-commercial use of all calculators and trackers
• Reading and sharing blog content with proper attribution
• Linking to myporul.com from other websites or sharing the app

4.2 Prohibited Use

You may NOT:

• Scrape, copy, or redistribute website or app content or calculators without permission
• Use the website or app for commercial services (e.g., reselling calculations to clients)
• Attempt to reverse-engineer, modify, or tamper with site or app code
• Use automated bots to access or stress-test the website or app
• Misrepresent MyPorul content as your own
• Use the site or app for any unlawful purpose under Indian law

5. Accuracy and Disclaimer of Warranties

We strive to keep calculators accurate and content current. However:

• Interest rate formulas may not match every lender's proprietary calculation method
• Tax rates, regulatory figures, and financial benchmarks may become outdated
• Blog information reflects the date of writing and may not account for recent changes

To the maximum extent permitted by applicable law, myporul.com and the Porul app are provided "AS IS" without warranties of any kind — express, implied, or statutory — including warranties of merchantability, fitness for a particular purpose, or non-infringement.

6. Limitation of Liability

To the maximum extent permitted by applicable law, MyPorul and its owner shall not be liable for:

• Financial loss resulting from decisions made using calculator or tracker outputs
• Errors or inaccuracies in calculations
• Missed loan payments, penalties, or financial harm of any kind
• Loss of locally stored browser or app data (e.g., Hive database corruption)
• Any indirect, incidental, or consequential damages

Our maximum aggregate liability for any claim related to myporul.com or the Porul app shall not exceed ₹100 (One Hundred Indian Rupees).

7. Intellectual Property

7.1 Our Content

All content on myporul.com and the Porul app — including blog articles, calculator interfaces, app code, design, copy, and branding — is owned by MyPorul. All rights reserved.

7.2 Fair Use and Attribution

You may quote blog content (under 100 words) with a link back to the original article. Full reproduction without permission is prohibited.

7.3 Thirukkural

Thirukkural verses are ancient Tamil literature in the public domain. Our translations, commentary, and application to personal finance are original work owned by MyPorul.

8. External Links

myporul.com and the Porul app may link to external websites (e.g., RBI guidelines, bank websites, reference articles). We are not responsible for the content, accuracy, or privacy practices of external sites. Links are provided for convenience and educational reference only.

9. Modifications to Service

We may at any time:

• Update or improve calculators and tools
• Add new features (e.g., cloud sync, new trackers)
• Modify or remove blog content
• Temporarily or permanently discontinue the website or app

For major changes (e.g., introducing mandatory user accounts or paid features), we will post a notice on the website or within the app at least 15 days in advance.

10. Changes to These Terms

We may update these Terms to reflect new features, legal requirements, or operational changes. Updated Terms will be posted at myporul.com/terms with a revised "Last Updated" date. Continued use of the website or app after changes constitutes acceptance.

11. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Any disputes arising from use of myporul.com or the Porul app shall be subject to the exclusive jurisdiction of the courts of Chennai, Tamil Nadu, India.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court, that provision will be modified to the minimum extent necessary, and all remaining provisions will continue in full effect.

13. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and MyPorul regarding your use of myporul.com and the Porul app.

14. Contact

Questions about these Terms:
📧 connect@myporul.com
🌐 myporul.com