Effective date: from the time this page is published. · Last updated: current as of the date shown in the page footer.
By accessing or using https://liccalculator.app ("the Website"), you agree to these Terms & Conditions. If you do not agree, please discontinue use.
1. Nature of Service
The Website provides free, informational financial calculators and educational content related to Life Insurance Corporation of India (LIC) plans, term insurance, SIP investments and home loans. We are an independent publisher — not an insurer, agent, broker or financial advisor.
2. No Affiliation with LIC
This Website is not affiliated with, endorsed by, sponsored by or connected to Life Insurance Corporation of India, LIC Housing Finance Ltd, LIC Mutual Fund or IRDAI. "LIC" and related marks are trademarks of their respective owners, used here solely for descriptive/informational purposes.
3. Estimates Only — Not Financial Advice
- All outputs are approximate estimates based on published tabular rates, historical bonus declarations and standard formulas.
- Actual premiums, bonuses, maturity values, surrender values and loan amounts are determined solely by LIC/lenders per their official rules at the relevant time.
- Nothing on this Website constitutes financial, investment, insurance, legal or tax advice. Consult a licensed advisor and verify all figures with an authorised LIC office before acting.
4. Acceptable Use
You agree not to: (a) scrape, copy or republish the Website's content or code at scale without permission; (b) attempt to disrupt or overload the service; (c) use the Website for unlawful purposes; (d) misrepresent our estimates as official LIC quotations.
5. Intellectual Property
All original content, design, text, graphics and code on this Website are our property or used under licence, and are protected by applicable copyright laws. Brief quotations with a link/credit are welcome.
6. Third-Party Links & Services
The Website may link to third-party websites (e.g., licindia.in) and load third-party resources (CDNs, animations, analytics). We are not responsible for the content, accuracy or practices of third parties.
7. Disclaimer of Warranties
The Website is provided "as is" and "as available" without warranties of any kind, express or implied — including accuracy, completeness, merchantability, fitness for a particular purpose or uninterrupted availability.
8. Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential or special damages — including financial loss arising from decisions made based on calculator outputs or content on this Website.
9. Indemnity
You agree to indemnify and hold us harmless from claims arising out of your misuse of the Website or violation of these Terms.
10. Changes & Termination
We may modify these Terms, add/remove features, or discontinue the Website at any time without notice. Material changes will be reflected by updating the date above.
11. Governing Law
These Terms are governed by the laws of India. Courts at the operator's registered location shall have exclusive jurisdiction.
12. Contact
Questions about these Terms? Use our Contact page.