Terms of Service

Effective & Last Updated: September 07, 2026

By accessing or utilizing Mishrag Hub (accessible via mishrag.kisanscheme.com / kisanscheme.com), you confirm that you have read, understood, and agreed to be bound by these Terms of Service. If you do not agree with any provision, please discontinue use immediately.

1. Acceptable Use Policy

You agree to use our digital tools, calculators, short link routing, and content sharing exclusively for legitimate, lawful, and ethical purposes. You expressly agree not to:

Distribute, link to, or transmit computer viruses, malware, spyware, ransomware, or malicious exploits.
Share or distribute phishing links, deceptive banking portals, or credential-harvesting schemes.
Upload, publish, or link to unlawful, adult (18+ / NSFW), defamatory, harassing, or copyright-infringing content.
Perform automated bot scraping, excessive programmatic hammering, or denial-of-service (DoS) attacks on our edge infrastructure.

2. Financial, Health & Legal Calculation Disclaimer

Informational & Educational Use Only: All tools on this website (including EMI Calculators, SIP Return Estimators, GST Calculation Modules, BMI Health Indicators, and Age Calculators) are provided strictly as informational and educational aids. Results are estimates based on mathematical formulas and do not constitute certified financial advice, banking loan commitments, or medical counsel. Always verify computations with certified financial planners, chartered accountants, or healthcare professionals.

3. Disclaimer of Warranties ("As-Is" Service)

All online web utilities, file routing, link redirection services, and website content are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express, implied, or statutory. We make no warranty that the services will be completely error-free, uninterrupted, or compatible with every browser environment.

4. Limitation of Liability

To the maximum extent permitted under applicable law, Mishrag Hub, its operators, affiliates, and parent domain (kisanscheme.com) shall not be liable for any direct, indirect, incidental, consequential, or punitive damages resulting from the use or inability to use our free web tools or third-party links.