Terms and Conditions
Effective Date: July 2026
Last Updated: July 2026
Welcome to BankMoney.
BankMoney is a brand operated by BM Consultancy Services LLP. These Terms & Conditions (“Terms”) govern your access to and use of the BankMoney website, financial calculators, document utilities, and other services made available through the platform.
By accessing or using BankMoney, you agree to these Terms. If you do not agree with them, please discontinue use of the website and its services.
About
BankMoney
BankMoney provides digital tools intended to make common financial calculations and document-processing tasks easier to perform online.
Our services may include:
EMI Calculator
Mortgage Calculator
Loan Eligibility Calculator
SIP Calculator
PDF Compressor
PDF Merger
JPG/Image Compressor
Image to PDF Converter
Other financial and document utilities introduced from time to time
Certain financial-support services may also be offered in India through third-party or partner networks where applicable.
The availability of individual tools and services may change over time.
Informational Nature of Financial Tools
BankMoney's financial calculators are provided for informational, educational, comparison, and planning purposes only.
Calculator outputs are estimates generated from the information entered by the user and the calculation methodology implemented by the relevant tool.
Results should not be interpreted as:
Financial advice
Investment advice
Tax advice
Legal advice
Credit advice
A loan sanction or approval
A guaranteed interest rate
A guaranteed investment return
An insurance recommendation
An offer from a bank or financial institution
Before making an important financial decision, you should independently verify the relevant information and, where appropriate, consult a qualified professional or the applicable financial institution.
Accuracy of Calculator
Results
We make reasonable efforts to provide useful and correctly functioning calculators. However, financial products and policies can differ between banks, lenders, insurers, investment providers, jurisdictions, and individual customers.
Actual results may differ because of factors including:
Interest-rate calculation methods
Processing fees
Taxes and statutory charges
Loan tenure
Credit profile
Lender policies
Insurance charges
Prepayments
Compounding frequency
Market performance
Eligibility criteria
Rounding methods
Regional regulations
BankMoney therefore does not guarantee that a calculator result will match the final figures provided by a bank, lender, insurer, investment provider, government authority, or other third party.
Loan Eligibility Estimates Any loan-eligibility result displayed on
BankMoney is an estimate only.
Actual eligibility may depend on factors not captured by our calculators, including credit history, CIBIL or other credit scores, employment status, income verification, existing obligations, lender policies, documentation, age, location, and regulatory requirements.
A result displayed by BankMoney does not constitute approval, pre-approval, sanction, or an offer of credit.
Investment and SIP Calculations SIP and investment calculators use assumptions entered by the user, including expected rates of return. Investment returns are not guaranteed, and actual performance may be higher or lower than an estimated result. Past or assumed rates of return should not be considered a promise of future performance.
Users should evaluate investment products independently and seek professional advice where appropriate.
Document Tools
BankMoney may provide utilities for compressing, merging, converting, or otherwise processing documents and images.
You are responsible for ensuring that you have the legal right and necessary authorization to upload and process any file submitted to BankMoney.
You must not upload files that:
Contain unlawful material
Infringe intellectual-property rights
Contain malware or malicious code
Are intended to damage or disrupt systems
Violate another person's privacy or rights
You are not authorized to possess or process
BankMoney may reject files based on format, size, security checks, server limitations, or other technical requirements.
Temporary File Processing Files submitted through document tools are processed for the purpose of performing the operation selected by the user. Files are automatically deleted after processing.
We do not permanently store your documents.
A processed file may remain temporarily available for download for a limited period before automatic deletion.
Users are responsible for downloading and safely retaining any output they wish to keep.
Once a temporary file has been deleted, BankMoney may not be able to recover it.
Document Output and Quality
Document processing may affect file size, image resolution, metadata, formatting, or visual quality depending on the selected operation.
For example, PDF or image compression may reduce image quality to achieve a smaller file size.
A requested target size, such as 200 KB, cannot be guaranteed for every document. Complex, image-heavy, encrypted, unusually formatted, or already optimized files may not reach the requested size without unacceptable quality loss.
BankMoney does not guarantee that every uploaded file can be successfully compressed, merged, converted, repaired, or processed.
Users should review downloaded files before relying on them for official or important purposes.
User Responsibilities When using
BankMoney, you agree to:
Provide reasonable and accurate information when using calculators
Use the website only for lawful purposes
Respect applicable laws and third-party rights
Verify important financial results independently
Review processed documents before using them
Maintain your own copies of important files
Follow applicable upload and usage limits
You are responsible for how you use information and files generated through BankMoney.
Prohibited Activities
You must not attempt to:
Gain unauthorized access to BankMoney systems
Circumvent security or rate limits
Introduce malware, viruses, scripts, or malicious files
Perform denial-of-service or similar attacks
Scrape the platform excessively or disrupt its operation
Probe the platform for vulnerabilities without authorization
Reverse engineer protected portions of the service where prohibited by law
Use automated systems in a manner that places unreasonable load on our infrastructure
Impersonate another person or organization
Use BankMoney to facilitate unlawful activity
We may restrict access where activity threatens the security, stability, or lawful operation of the platform.
Intellectual Property Unless otherwise stated,
BankMoney's original website content, software, interface elements, graphics, text, branding, and other proprietary materials are owned by or licensed to BM Consultancy Services LLP.
The BankMoney name and associated branding may not be copied, reproduced, misrepresented, or commercially used without appropriate authorization.
Users may use BankMoney's public tools for their intended personal or business purposes, but this does not transfer ownership of the underlying platform or intellectual property.
Third-party trademarks, bank names, logos, and brand assets remain the property of their respective owners.
Bank and Third-Party Logos
BankMoney may display names or logos of banks, financial institutions, insurers, or other organizations for identification, informational, comparison, or service-related purposes.
The appearance of a third-party name or logo does not automatically mean that the organization endorses, sponsors, owns, or operates BankMoney.
Where BankMoney has an actual commercial or referral relationship with a third party, additional terms or disclosures may apply.
Third-Party Websites and Services
BankMoney may contain links to or integrate services operated by third parties.
These may include analytics, advertising, hosting, financial-service providers, banking services, insurance services, APIs, or other external platforms.
Third-party services operate under their own terms, privacy policies, eligibility requirements, and business practices.
BankMoney is not responsible for the content, availability, security, pricing, decisions, or practices of independent third-party websites or services.
Advertising
BankMoney may display advertisements or sponsored content.
Advertising does not necessarily constitute an endorsement or recommendation by BankMoney.
Any transaction or interaction between a user and an advertiser is subject to the advertiser's applicable terms and policies.
Future Financial Services
BankMoney may introduce additional services in the future, including integrations relating to loans, insurance, banking, credit information, payments, subscriptions, or other financial products.
Such services may be subject to:
Additional terms
Eligibility requirements
Separate privacy notices
Partner terms
KYC requirements
Regulatory requirements
User consent requirements
These Terms should not be interpreted as meaning that any currently unavailable service is already offered by BankMoney.
Availability of the Website
We aim to keep BankMoney accessible and functional, but continuous or uninterrupted availability cannot be guaranteed.
The website or individual tools may occasionally become unavailable because of:
Maintenance
Hosting issues
Software updates
Security incidents
Network failures
Third-party outages
Technical errors
Events outside our reasonable control
We may modify, suspend, replace, restrict, or discontinue a tool where reasonably necessary.
No Warranty To the extent permitted by applicable law,
BankMoney and its services are provided on an “as available” basis.
While reasonable efforts are made to maintain useful and reliable tools, we do not warrant that every service will always be uninterrupted, error-free, compatible with every device or file, or suitable for every user's particular requirements.
Nothing in these Terms excludes warranties, guarantees, or consumer rights that cannot lawfully be excluded.
Limitation of Liability To the maximum extent permitted by applicable law, BM Consultancy Services LLP will not be responsible for losses arising solely from reliance on estimated calculator results, user-provided incorrect information, unsupported or corrupted files, third-party services, or circumstances outside our reasonable control.
Users remain responsible for verifying financial information and processed documents before making consequential decisions.
Nothing in these Terms is intended to exclude or restrict liability where doing so would be prohibited by applicable law.
Privacy
Use of BankMoney is also subject to our Privacy Policy, which explains how information and uploaded files may be handled.
Users should review the Privacy Policy before submitting personal information or files.
Feedback and Suggestions
BankMoney may allow users to submit feedback, report problems, or suggest new features.
Please do not include passwords, OTPs, card details, bank-account credentials, or other sensitive financial information in feedback submissions.
We may use general feedback and suggestions to improve BankMoney and develop new functionality.
Changes to
BankMoney
We may update, improve, replace, or discontinue parts of BankMoney as the platform evolves.
This may include changes to:
Calculators
Calculation methodologies
Document tools
Supported file formats
Upload limits
User interfaces
Third-party integrations
Security controls
Available services
Where appropriate, significant changes may be communicated through the website.
Changes to
These Terms
These Terms may be updated periodically to reflect changes in the platform, business operations, legal requirements, or available services.
The latest version will be published on this page with an updated Last Updated date.
Your continued use of BankMoney after revised Terms become effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.
Governing Law and Jurisdiction
These Terms are governed by the laws of India, without prejudice to any mandatory rights or protections available to users under applicable law.
Any dispute relating to BankMoney will be subject to the jurisdiction of the competent courts in Kolkata, India, unless applicable law requires otherwise.
India's digital environment is governed by legislation including the Information Technology Act and related rules administered by MeitY.
Contact Us
If you have questions about these Terms & Conditions, please contact:
BankMoney
A brand operated by BM Consultancy Services LLP
Email: bankmoney.info@gmail.com
Website:https://bankmoney.info/
You may also contact us through the Contact Us page on BankMoney.