Terms of Service
Last updated: September 2026
1. Acceptance of Terms
By accessing and using S-Money ("the Service"), available at www.s-money.in, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.
2. Nature of the Service
S-Money provides free online tools for informational purposes only. The Service does NOT constitute financial, tax, legal, or investment advice.
Tax rules and rates are sourced from publicly available government data and may not reflect the latest amendments. Always consult a certified tax professional or chartered accountant for decisions affecting your finances.
3. Accuracy & Limitation of Liability
While we strive for accuracy, we make no warranties or representations regarding the completeness, accuracy, or reliability of the calculations and tools provided. S-Money, its creators, and contributors shall not be held liable for any direct, indirect, incidental, or consequential damages arising from the use of or reliance on information provided by this Service.
4. File Upload Terms
- You must only upload files that you are legally authorised to access and convert.
- Files are processed entirely in memory and are never stored on our servers.
- We enforce a file size limit and validate file formats for security.
- You agree not to upload malicious or fraudulent content.