Welcome to Smart EMI! These terms and conditions ("Terms", "Terms and Conditions") govern your relationship with Smart EMI website operated by Nishce LLC ("us", "we", or "our").

Please read these Terms and Conditions carefully before using our Service. Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. By accessing or using our Service, you agree to be bound by these Terms.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms and Conditions:

Company (referred to as either "the Company", "we", "us" or "our") refers to Nishce LLC, Business Bay, Dubai, United Arab Emirates.
Country refers to: United Arab Emirates
Service refers to the Smart EMI website and calculator application.
Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.
Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.
Website refers to Smart EMI, accessible from https://smart-emi.com
You refers to the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service.

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Smart EMI's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

modify or copy the materials
use the materials for any commercial purpose or for any public display (commercial or non-commercial)
attempt to decompile or reverse engineer any software contained on Smart EMI's website
remove any copyright or other proprietary notations from the materials

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Smart EMI at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

Service Description

Smart EMI provides an online EMI (Equated Monthly Installment) calculator service that allows users to:

Calculate flat rate and reducing balance interest calculations
Compare different loan structures with visual analytics
Save and manage loan calculations (requires account registration)
Generate amortization schedules and payment breakdowns
Access real-time financial insights and recommendations

User Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. You are responsible for safeguarding the password and for all activities that occur under your account.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

Disclaimer

The information, calculations, and results provided by Smart EMI are for informational and educational purposes only. While we strive for accuracy, the calculations should not be considered as financial advice or a guarantee of loan terms from any financial institution.

The materials on Smart EMI's website are provided on an 'as is' basis. Smart EMI makes no warranties, expressed or implied, and hereby disclaim and negate all other warranties including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Smart EMI does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

Limitations

In no event shall Smart EMI or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Smart EMI's website, even if Smart EMI or a Smart EMI authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Accuracy of Materials

The materials appearing on Smart EMI's website could include technical, typographical, or photographic errors. Smart EMI does not warrant that any of the materials on its website are accurate, complete, or current. Smart EMI may make changes to the materials contained on its website at any time without notice. However Smart EMI does not make any commitment to update the materials.

Links

Smart EMI has not reviewed all of the sites linked to our website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Smart EMI of the site. Use of any such linked website is at the user's own risk.

Prohibited Uses

You may not use our Service:

For any unlawful purpose or to solicit others to engage in unlawful acts
To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
To infringe upon or violate our intellectual property rights or the intellectual property rights of others
To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
To submit false or misleading information
To upload or transmit viruses or any other type of malicious code
To spam, phish, pharm, pretext, spider, crawl, or scrape
For any obscene or immoral purpose
To interfere with or circumvent the security features of the Service

Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the Service.

Governing Law

These Terms shall be interpreted and governed by the laws of the United Arab Emirates. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms.

Contact Information

If you have any questions about these Terms and Conditions, please contact us:

By email: smartemihelp@gmail.com
On our website: https://smart-emi.com