Terms of Service - PakCalcHub.com

Last Updated: July 13, 2026 | Effective: July 13, 2026 | Contact: contact@pakcalchub.com

Welcome to PakCalcHub.com - 19 free calculators for Pakistan: Salary Tax 2026-27 & 2025-26 FBR, Zakat, Gold Price Live, Currency Converter Live Forex, Electricity Bill NEPRA, Fuel Cost & Mileage, BMI, BMR, Ideal Weight, EMI, GPA, Percentage, Age, Marla to Sq Ft, Unit Converter, Discount, Freelancer Tax, CNIC Checker. By using our site, you agree to these terms.

1. Use of Tools - Informational Only

All calculators are provided as-is for informational and educational purposes only. They are estimates. Not financial, tax, legal, medical advice. Always verify with official sources:

• Tax: FBR.gov.pk + your tax consultant
• Electricity: NEPRA.org.pk + your DISCO bill (LESCO, FESCO, MEPCO etc)
• Forex: SBP.org.pk
• Gold: All Pakistan Sarafa Association + our live API via /api/gold
• Health BMI BMR: WHO.int + doctor

2. No Warranty

We strive for accuracy with live rates via /api/* routes showing Fetched At timestamp, but rates change. FBR slabs change yearly June, NEPRA slabs yearly July, petrol OGRA every 15 days, gold forex hourly. We do not guarantee 100% accuracy. Use at your own risk.

3. Intellectual Property

Site design, Tailwind CSS, calculators logic, blog content humanized, sitemap dynamic, llms.txt are owned by PakCalcHub.com. You may share links, but not copy full content without permission. Tools are free for personal use.

4. User Conduct

Do not attempt to hack, scrape bulk via bots that overload /api/* routes (rate limited), inject malicious code, or use calculators for illegal purposes. CNIC Checker is format validation only, not NADRA personal data access - do not use to obtain personal data illegally.

5. External Links

We link to authoritative .gov.pk sites for E-E-A-T. We are not responsible for their content. Our /api/* routes fetch from open.er-api.com, gold-api.com, allorigins for petrol - those third parties have their own terms.

6. AdSense and Analytics

Site may display Google AdSense ads after approval. AdSense uses cookies. Google Analytics 4 tracks anonymized page views. By using site, you consent to cookies as per Privacy Policy. You can disable via browser.

7. Limitation of Liability

PakCalcHub.com and authors not liable for any financial loss, tax filing error, bill miscalculation, health decision based on BMI/BMR. Max liability is amount you paid for using site (Rs 0 as free).

8. Changes to Terms

We may update terms when adding Phase 2 Bill Checkers Pack (LESCO, SNGPL, PTCL guides) or new tools. Last Updated date changes. Continued use means acceptance.

9. Governing Law

Terms governed by laws of Pakistan, Punjab, Sargodha jurisdiction. Disputes via email contact@pakcalchub.com first, then appropriate court.

10. Contact

For terms questions, email contact@pakcalchub.com. We reply within 24h.

For AdSense, we have Privacy Policy, About, Contact, Disclaimer, Terms - 100% clean, no PII, no scraping of WAPDA bills via reference number. All calculations client side.