Terms of Service

1. About Tools by Decyfy

Tools by Decyfy ("Tools by Decyfy", "we", "us", "our") is a division of GDB Advisories LLP, a limited liability partnership registered under the laws of India ("GDB Advisories", "the Company"). This website is owned and operated by GDB Advisories LLP.

2. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the site. These Terms constitute a binding agreement between you and GDB Advisories LLP.

3. Description of Service

Tools by Decyfy, operated by GDB Advisories LLP, provides free, browser-based utility tools including PDF converters, image tools, and financial calculators. All processing runs locally in your browser. Tools by Decyfy and GDB Advisories LLP do not upload, store, or transmit your files or personal data to any server.

4. Permitted Use

You agree to use the service only for lawful purposes. You must not:

• Process files or data that you do not own or have no legal right to use
• Attempt to reverse-engineer, scrape, or otherwise damage the website
• Use automated tools to access the service in a way that disrupts normal usage for others
• Use the service for any purpose that violates applicable Indian or international law

5. Financial Calculator Disclaimer

The financial calculators on Tools by Decyfy — including EMI, SIP, lumpsum, PPF, income tax, FIRE, Sharpe ratio, and Graham number calculators — are provided for informational and educational purposes only. Results are mathematical estimates based solely on the inputs you provide.

Tools by Decyfy and GDB Advisories LLP are not financial advisors, tax consultants, investment advisors, or registered professionals under SEBI, IRDA, or any other regulatory body. Nothing on this website constitutes financial, investment, tax, or legal advice. Tools by Decyfy and GDB Advisories LLP shall not be held responsible or liable for any financial decisions, losses, or consequences arising from reliance on calculator outputs. Always consult a qualified and registered professional before making any financial or investment decision.

6. File Processing Disclaimer

PDF and image tools on Tools by Decyfy operate entirely within your browser. While we make reasonable efforts to ensure our tools function correctly, Tools by Decyfy and GDB Advisories LLP are not responsible for any data loss, file corruption, processing errors, or any other damage that may occur during or after using these tools. You are solely responsible for maintaining backup copies of your original files before use.

7. Disclaimer of Warranties

The service is provided "as is" and "as available" without warranties of any kind, express or implied. Tools by Decyfy and GDB Advisories LLP make no warranty that the tools will be error-free, uninterrupted, accurate, or fit for any particular purpose. Tools by Decyfy and GDB Advisories LLP are not responsible for any problems, errors, inaccuracies, or failures arising from the use of this service.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Tools by Decyfy and GDB Advisories LLP shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of data, loss of profits, or financial loss — arising from:

• Your use of or inability to use the service
• Reliance on any tool output, calculation result, or content on this website
• Any error, interruption, or failure of the tools
• Any action taken or not taken based on information provided on this site

This limitation applies regardless of the legal theory under which the claim is brought and even if Tools by Decyfy or GDB Advisories LLP has been advised of the possibility of such damages.

9. No Professional Advice

Neither Tools by Decyfy nor GDB Advisories LLP provides legal, financial, tax, medical, or any other form of professional advice through this website. Any content, article, or tool result is general in nature and should not be relied upon as a substitute for advice from a qualified professional with knowledge of your specific situation.

10. Intellectual Property

All content, design, code, and branding on Tools by Decyfy are the property of GDB Advisories LLP and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any part of this site without prior written permission from GDB Advisories LLP.

11. Third-Party Services

Tools by Decyfy uses Google Analytics for anonymous usage statistics and Google AdSense for advertising. These services operate under their own terms and privacy policies. Tools by Decyfy and GDB Advisories LLP are not responsible for the practices, content, or reliability of any third-party services linked to or embedded in this website.

12. Changes to Terms

GDB Advisories LLP reserves the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated date. Continued use of Tools by Decyfy after any changes constitutes your acceptance of the revised Terms.

13. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of India. Any disputes arising in connection with these Terms or your use of Tools by Decyfy shall be subject to the exclusive jurisdiction of the competent courts in India.

14. Contact

For questions or concerns regarding these Terms of Service, please contact us. Tools by Decyfy is a division of GDB Advisories LLP.