Terms of Service

Effective Date: January 1, 2026 · Last Updated: November 2, 2026

1. Acceptance of Terms

By accessing and using ParamuPDF (https://paramupdf.com), you agree to comply with and be bound by these Terms of Service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws.

2. Permitted Use & License

ParamuPDF grants you a non-exclusive, worldwide, royalty-free license to use our web-based tools and applications for personal, commercial, and educational purposes. You may process unlimited PDF files, convert documents, and perform calculations without any subscription fees.

3. Intellectual Property Rights in Your Files

You retain 100% full ownership, copyright, and title to all documents, images, and data processed using our service. ParamuPDF asserts zero ownership or licensing rights over your files. Because processing occurs entirely on the client side, your content never resides on our servers.

4. Prohibited Uses

You agree not to use the service to:

Violate any applicable national or international laws or regulations.
Transmit or process malicious code, viruses, or illegal material.
Attempt to reverse-engineer, exploit vulnerabilities, or launch denial-of-service attacks against our hosting infrastructure.
Circumvent or tamper with access controls or administrative protections.

5. Financial Calculator & Legal Disclaimers

Our Commercial Bill Discounting Calculator and PDF utilities are provided for general educational, business analysis, and productivity purposes. While algorithms strictly follow banking conventions (365/360-day APR schedules) and ISO 32000 PDF specifications, users should consult certified financial or legal advisors before executing formal commercial loan contracts.

6. Limitation of Liability

In no event shall ParamuPDF or its owners be liable for any damages arising out of the use or inability to use the materials or tools on the website, even if notified of the possibility of such damage.

7. Governing Law & Contact

These terms are governed by the laws of India. For questions concerning these Terms, contact paramusnp28@gmail.com.