Terms of Use

1. Informational & Illustrative Use Only

All calculations, estimates, comparisons, and simulations provided by PayDecode are for general educational and informational purposes only. They are based on statutory assumptions and government notifications effective as of the dates specified on each tool.

Nothing on this website constitutes personal chartered accountancy (CA), legal, payroll, or tax advisory services. Actual monthly bank credit and annual tax liabilities can vary based on individual employer compensation policies, variable bonuses, perquisites, investment timings, and company payroll systems.

2. No Warranties & Limitation of Liability

While we make every engineering effort to ensure calculation correctness and cite primary statutory sources (including the Income-tax Act, 2025 and EPFO notifications), PayDecode provides its tools on an “as is” and “as available” basis without warranties of any kind.

Users are advised to consult a qualified Chartered Accountant (CA) or tax professional before making significant career, investment, or tax filing decisions.

3. Intellectual Property

The software code, layout designs, calculation engines, and editorial guides on PayDecode are protected by copyright and intellectual property laws. You may not scrape, clone, or redistribute our tools without prior written permission.

4. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of India.