Terms of Service

Acceptance of Website & Application Usage

By accessing the SoftQuill Labs website (softquilllabs.com) or downloading and installing our consumer mobile applications (including PayOffPath and Ekadashi Companion), you agree to be bound by these Terms of Service, our Privacy Policy, and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site and our applications.

Educational & Financial Disclaimers

No Financial or Investment Advice: All articles, guides, calculators, payoff timelines, interest comparisons, and debt repayment models published on this website and in our software (including PayOffPath) are provided strictly for educational and informational purposes only. SoftQuill Labs is not a registered financial advisor, certified financial planner, bank, or legal counsel. Actual repayment figures depend on your specific loan agreements, compounding frequencies, bank fees, and institutional policies. Always consult a licensed financial advisor or banking professional before making significant financial commitments.

Devotional & Astronomical Calculations: Fasting dates, Tithi boundaries, and Parana time windows calculated by Ekadashi Companion or published in our research guides are derived from astronomical solar-lunar algorithms. While calculated with high mathematical precision according to recognized Smarta and Gaudiya Vaishnava traditions, devotees should confirm dates with their local temple or spiritual authorities for community-specific observances.

Content & Software Ownership

All software, text, graphics, logos, icons, screenshots, and editorial articles on this website are the property of SoftQuill Labs and are protected by copyright, trademark, and intellectual property laws. You may read, bookmark, and share our educational guides for personal, non-commercial purposes with clear attribution.

As-Is Software & Content Provision

The materials on SoftQuill Labs website and mobile applications are provided on an 'as is' basis without warranties of any kind, whether express or implied. SoftQuill Labs shall not be held liable for any damages (including, without limitation, damages for loss of data, missed financial timelines, or calculation discrepancies) arising out of the use or inability to use our applications or website.