Terms of Service

1. Acceptance of Terms

By accessing or using Kerala NRI Tools (keralanritools.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this website.

2. Description of Service

Kerala NRI Tools provides free online tools and informational content for Non-Resident Indians (NRIs) and Indian expats, including but not limited to:

• Live currency exchange rate information
• Estimated Kerala gold and silver rates
• Land value estimation tools
• Stamp duty and registration charge calculators
• Visa expiry tracking tools
• NRI home loan EMI calculators
• NRI document checklists

All services are provided free of charge and are intended for personal, non-commercial informational use only.

3. Data & Privacy

Kerala NRI Tools is designed with user privacy as a priority:

• No account or registration is required to use any tool on this website.
• Visa and document data you enter into the Visa Tracker and Document Checklist tools is stored only on your own device using your browser's local storage. This data is never transmitted to our servers.
• We do not collect personally identifiable information unless you voluntarily contact us via the contact form.
• For full details, please read our Privacy Policy.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, all financial data on this website — including gold rates, exchange rates, land values, and stamp duty rates — are estimates for informational purposes only. Please read our full Disclaimer for important information about data accuracy.

We are not responsible for decisions made based on the information provided on this website.

5. Permitted Use

You may use Kerala NRI Tools for personal, non-commercial informational purposes. You agree not to:

• Scrape, crawl, or systematically download data from this website using automated tools
• Use the website or its data for commercial redistribution without written permission
• Attempt to interfere with, disrupt, or damage the website or its servers
• Use the website in any way that violates applicable local, national, or international laws
• Reproduce or republish the content of this website without attribution and permission

6. Intellectual Property

The design, code, content, and tools on Kerala NRI Tools are the intellectual property of Kerala NRI Tools. The underlying financial data (gold prices, exchange rates, government rates) is sourced from public domain sources.

You may share links to our tools and pages freely. You may not copy or republish our original written content without permission.

7. Third-Party Services

Kerala NRI Tools may display advertisements served by Google AdSense or other third-party advertising partners. These third parties may use cookies to serve ads based on your browsing behaviour. Please refer to Google's Privacy Policy for more information.

We may also link to external websites for reference. We are not responsible for the content or practices of any external sites.

8. Disclaimer of Warranties

Kerala NRI Tools is provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, Kerala NRI Tools and its creators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this website or its content.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated date. Your continued use of the website after any changes constitutes your acceptance of the new terms.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of courts in Kerala, India.

12. Contact

If you have any questions about these Terms of Service, please contact us.