Terms and Conditions

2. Permitted Use of the Platform

RPLICalc grants you a personal, non-exclusive, non-transferable, revocable license to use our calculators strictly for:

• Estimating personal, family, or child life insurance premiums under Rural Postal Life Insurance schemes.
• Assisting rural residents as an authorized Gramin Dak Sevak (GDS), postal agent, or community social worker in understanding policy schedules.
• Printing or saving calculation summaries for offline personal budgeting.

3. Prohibited Activities

Users must not engage in any of the following unauthorized activities:

• Using automated spiders, scrapers, bots, or extraction scripts to harvest data or rate tables without prior written consent.
• Attempting to compromise server infrastructure, introduce malicious payloads, or execute distributed denial-of-service (DDoS) requests.
• Packaging, reselling, or charging fees to third parties for access to this free calculator.
• Misrepresenting this independent website as the official Government of India post office application.

4. Intellectual Property & Content Rights

The custom layout, design elements, source code, interactive JavaScript calculation engines, charts, and original explanatory editorial copy are intellectual property of RPLICalc. India Post scheme names (Gram Santosh, Gram Suraksha, Gram Suvidha, Gram Sumangal, Gram Priya, Bal Jeevan Bima) remain property of the Department of Posts, Government of India.

5. Disclaimer of Warranties and Limitation of Liability

This service is provided strictly on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind. RPLICalc disclaims all warranties, express or implied, including merchantability or fitness for a particular purpose. In no event shall RPLICalc or its developers be held liable for any direct, indirect, incidental, or consequential damages resulting from reliance on the estimations provided.