Terms and Conditions

1. Acceptance of Terms

By accessing or using CarHaven (https://carthaven.in/), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, our Privacy Policy, and our Disclaimer. If you do not agree with any part of these terms, you must refrain from using this website.

2. Permissible Use & Intellectual Property

CarHaven grants you a limited, non-exclusive, non-transferable, revocable license to access and use our automotive calculators, amortization schedules, and educational articles strictly for personal, non-commercial financial planning.

All site design, calculation formulas, front-end code, graphics, written guides, charts, and logos are the proprietary intellectual property of CarHaven. You agree not to:

• Scrape, crawl, or harvest data or calculator algorithms using automated bots, spiders, or scripts without written authorization.
• Frame, mirror, or repackage CarHaven tools within a commercial iFrame or native mobile application without attribution and prior consent.
• Circumvent, disable, or tamper with security or rate-limiting features of the website.
• Reproduce entire editorial guides or articles on external publications without canonical attribution.

3. Nature of Service: Educational & Informational Only

CarHaven is an independent informational technology publisher. We are not a bank, non-banking financial company (NBFC), insurance company, or credit broker registered with the Reserve Bank of India (RBI) or Insurance Regulatory and Development Authority of India (IRDAI).

None of the content, tools, outputs, or calculations presented on CarHaven constitute formal financial advice, loan origination, credit pre-approval, loan sanctioning, insurance underwriting, or binding legal commitments. All outputs are mathematical estimations intended solely for scenario modeling and consumer education.

4. Non-Affiliation Disclaimer

CarHaven is entirely independent. Any mentions of specific commercial lenders (including State Bank of India, HDFC Bank, ICICI Bank, Axis Bank, Bank of Baroda, Kotak Mahindra Bank) or automotive manufacturers (including Maruti Suzuki, Hyundai, Tata Motors, Mahindra, Toyota, Kia) are made strictly for educational reference and consumer rate comparison under fair use. CarHaven is not affiliated with, endorsed by, or partnered with any of these financial institutions or auto manufacturers.

5. Limitation of Liability

To the fullest extent permitted under applicable Indian law, CarHaven, its authors, operators, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages resulting from:

• Any financial decisions, auto purchases, or loan contracts entered into by you based on our calculator estimates.
• Discrepancies between CarHaven calculator outputs and your bank's actual sanctioned EMI or loan schedule.
• Fluctuations in retail repo rates, loan spreads, processing charges, or state RTO taxes.
• Any temporary downtime, server outages, or transmission inaccuracies.

6. Third-Party Links and Advertising

CarHaven may contain links to third-party websites and display advertisements through Google AdSense. We do not endorse, control, or assume responsibility for the content, privacy policies, or business practices of any third-party websites or advertised products.

7. Governing Law & Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the substantive laws of India. Any disputes, claims, or controversies arising out of or relating to your use of this website shall be subject to the exclusive jurisdiction of the competent courts located in Bengaluru, Karnataka, India.