Terms of Service

1. Acceptance of Terms

NI9.xyz (""we"", ""us"", ""our"") ka website https://ni9.xyz aur tamam us ke subdomains aur services (collectively, the ""Service"") provide karta hai. Service use karne se aap (the ""User"" ya ""you"") is Terms of Service (the ""Terms"") se agree karte hain.

Agar aap in Terms ke kisi hisse se agree nahi karte, to aap Service use nahi karni chahiye. Aap ke continued use of the Service ka matlab hai ke aap in Terms ke bound hain. Agar aap 18 saal se kam umar ke hain, to aap Service ka istemal sirf parent ya legal guardian ki supervision mein kar sakte hain.

Hum in Terms ko time-to-time modify kar sakte hain. Modified terms posting ke baad effective ho jaate hain. Continued use of the Service after modifications constitutes acceptance of the modified Terms. Aap periodically is page ko review karna zimmedari samjhein.

2. Service Description

NI9.xyz ek free informational website hai jo following services provide karta hai:

• Calculators: 21 web-based calculators covering finance (FBR tax, EMI, retirement), Islamic finance (zakat, markup), health (BMI, pregnancy), lifestyle (wedding planner), aur real estate (property qist).
• Articles & Guides: 30+ in-depth Roman Urdu guides jo financial, real estate, health, aur career topics cover karte hain.
• Educational Content: Pakistan, Gulf, aur global Urdu speakers ke liye tailored content.

Service "as-is" aur "as-available" basis par provide ki jaati hai. Hum guarantee nahi dete ke Service kabhi bhi uninterrupted, error-free, ya completely secure hogi. Hum Service ko kabhi bhi modify, suspend, ya discontinue kar sakte hain bina prior notice ke.

3. Educational Disclaimer

Hamari sab se important condition: NI9.xyz par available tamam content — calculators, articles, guides, comparisons, examples, aur recommendations — sirf educational aur informational purposes ke liye hai. Yeh professional advice nahi hai, na hi is ka substitute ho sakta hai.

Specifically, hamari content nahi hai:

• Financial Advice: Certified financial planner, investment advisor, ya wealth manager ki advice ka substitute nahi.
• Tax Advice: Tax consultant, CPA, ya FBR-authorized tax practitioner ki advice ka substitute nahi.
• Legal Advice: Advocate ya legal consultant ki advice ka substitute nahi.
• Medical Advice: Doctor, physician, ya qualified medical professional ki advice ka substitute nahi.
• Islamic Ruling (Fatwa): Qualified scholar ya mufti ki advice ka substitute nahi.

Aap apne specific situation ke liye relevant professional se consult karne ke bina koi important decision na lein. Hamari calculators aur articles sirf aap ko educate karne ke liye hain, aap ke liye decision nahi lete.

4. No Warranty

NI9.xyz, hamari calculators, aur hamari content "as is" aur "as available" basis par provide kiye jaate hain bina kisi warranty ke, express ya implied. Hum specifically disclaim karte hain:

• Implied Warranties of Merchantability: Ke Service kisi specific purpose ke liye fit hogi.
• Fitness for a Particular Purpose: Ke Service aap ke specific needs ko pura karegi.
• Non-Infringement: Ke Service kisi third-party rights ko infringe nahi karega.
• Accuracy: Ke calculator results ya article information 100% accurate honge.
• Completeness: Ke information complete ya up-to-date hogi.

Yeh disclaimer maximum extent permitted by applicable law tak apply hota hai. Kuch jurisdictions implied warranties ke exclusion allow nahi karte, to yeh exclusion aap par fully apply nahi ho sakta.

5. Limitation of Liability

To the maximum extent permitted by law, NI9.xyz, us ke owners, employees, contributors, ya affiliates aap ke against liable nahi honge:

• Direct, indirect, incidental, special, consequential, ya punitive damages ke liye;
• Loss of profits, data, use, goodwill, ya other intangible losses ke liye;
• Kisi bhi decision (financial, medical, legal, religious) jo aap ne hamari calculators ya content par bharosa kar ke liya;
• Calculator results mein kisi ghalti, error, ya outdated data ki wajah se hue nuqsan;
• Third-party ads, links, ya services se hue koi nuqsan;
• Service ki unavailability, interruption, ya slow performance;
• Unauthorized access to ya alteration of aap ke transmissions ya data.

Yeh limitation of liability even if NI9.xyz has been advised of the possibility of such damages apply hoti hai. Kuch jurisdictions liability ke exclusion allow nahi karte, to yeh limitation aap par fully apply nahi ho sakta.

Aap acknowledge karte hain ke aap Service ka istemal apni risk par kar rahe hain. Aap khud apne financial, medical, legal, aur religious decisions ke zimmedaar hain.

6. Specific Disclaimers

6.1 Financial Disclaimer

Hamari financial calculators (EMI, retirement, compound interest, profit margin, etc.) aur finance articles estimates provide karte hain, actual predictions nahi. Markets, interest rates, inflation, aur regulations change hote rehte hain. Investment decisions ke liye certified financial advisor se consult karein. Past performance future results ki guarantee nahi.

6.2 Tax Disclaimer

Hamara FBR Income Tax Calculator aur Sales Tax Calculator Pakistan ke current tax slabs ke mutabiq estimates provide karte hain. Actual tax liability aap ke specific circumstances (deductions, exemptions, additional income sources, surcharges, etc.) par depend karta hai aur different ho sakta hai. Final tax filing ke liye hamesha FBR official website ya kisi qualified tax consultant se verify karein.

6.3 Health Disclaimer

Hamari BMI calculator aur pregnancy due date calculator screening tools hain, diagnostic tools nahi. Yeh aap ko general guidance dete hain lekin medical condition, diagnosis, ya treatment plan ke liye use nahi hone chahiye. Always consult a qualified medical professional for any health-related decisions. Pregnancy specifically mein apne OB/GYN se due date aur care plan confirm karein.

6.4 Gulf EOSB Disclaimer

Hamara Gulf EOSB/Gratuity Calculator UAE, Saudi Arabia, Qatar, Oman, Kuwait, aur Bahrain ke latest available labor laws par based hai. Actual gratuity amount aap ke specific contract terms, employer policies, recent legal changes, limited vs unlimited contract, termination reason, aur service duration ke mutabiq different ho sakta hai. Apne HR department ya labor ministry se final calculation confirm karein.

7. Intellectual Property

NI9.xyz par available tamam content — text, graphics, logos, calculator logic, design, aur code — original work hai aur NI9.xyz ke copyright ka subject hai. Specifically:

• Copyright: Tamam content © 2026 NI9.xyz. All rights reserved.
• Original Authorship: Hamari calculators aur articles hum ne khud research aur design kiye hain. No scraping, no copying.
• Trademarks: "NI9" aur "NI9.xyz" names aur logo hamari trademarks hain.
• Third-Party Marks: FBR, Google, aur doosri company names un ke respective owners ki property hain.

Aap ko following ki permission nahi hai:

• Hamari content ko reproduce, republish, ya distribute karna bina written permission ke.
• Hamari calculators ke code ko copy ya reverse-engineer karna.
• Hamari content ko scrape ya automated tools se collect karna.
• Hamari trademarks ko bina permission use karna.
• Hamari content ko modify, adapt, ya derivative works create karna.

Fair use (jaise short quotes with attribution, academic citations) applicable law ke mutabiq allowed hai. Permission requests ke liye contact@ni9.xyz par email karein.

8. User Conduct

Service use karte hue aap se following conduct expected hai. Aap agree karte hain ke aap:

• No Scraping: Site ko scrape, crawl, ya automated tools se data collect nahi karenge.
• No Automated Access: Bots, scripts, ya automated systems se site access nahi karenge (search engines ke liye standard crawling allowed hai).
• No Illegal Use: Site ko kisi illegal activity ke liye use nahi karenge.
• No Abuse: Site, hamari infrastructure, ya hamari users ko harm nahi karenge.
• No Misrepresentation: Site par koi false ya misleading information post nahi karenge (jaise contact form mein).
• No Security Breach: Site ki security circumvent ya breach karne ki koshish nahi karenge.
• Comply With Laws: Aap ke jurisdiction aur Pakistan ke applicable laws follow karenge.

Violation par hum aap ke access ko block kar sakte hain, IP address ban kar sakte hain, aur applicable laws ke mutabiq legal action le sakte hain.

9. Third-Party Links Aur Advertisements

NI9.xyz par third-party websites ke links ho sakte hain. Hum in external sites ke content, privacy practices, ya accuracy ke liye zimmedaar nahi hain. External site visit karne se pehle un ki apni terms aur privacy policies review karein.

Hum apni services free rakhne ke liye Google AdSense ke through advertisements display karte hain. Yeh ads Google ke through serve hote hain aur Google aap ke browsing behavior ke mutabiq in ko personalize kar sakta hai. Hum advertise kiye gaye products ya services ko endorse nahi karte. Ads par click karne se aap Google aur advertiser ke terms ke subject hote hain. Apni ad personalization settings control karne ke liye adssettings.google.com par jayein.

10. Changes To Terms

Hum in Terms ko kabhi bhi modify kar sakte hain — legal requirements ke changes, Service ke changes, ya hamari discretion ke mutabiq. Modified Terms posting ke baad effective ho jaate hain. Modified Terms ki effective date is page par "Last updated" ke saath display hogi.

Aap ki zimmedari hai ke aap periodically is page review karein. Continued use of the Service after Terms modification constitutes acceptance of the modified Terms. Agar aap modified Terms se agree nahi karte, to aap ka sole remedy Service use karna band karna hai.

11. Governing Law Aur Jurisdiction

In Terms ko Islamic Republic of Pakistan ke laws ke mutabiq interpret aur govern kiya jaata hai, without regard to its conflict of law provisions. Aap agree karte hain ke:

• Koi bhi dispute jo in Terms ya Service se arise ho, woh primarily Pakistan ke courts mein resolve hogi.
• Pakistan ke consumer protection laws aap ke jurisdiction mein applicable ho sakte hain.
• International users ke liye, un ke local laws additional protections provide kar sakte hain.

United Nations Convention on Contracts for the International Sale of Goods (CISG) explicitly exclude kiya jaata hai.

12. Termination

Hum aap ke access to Service ko kabhi bhi, bina notice ke, terminate ya suspend kar sakte hain agar:

• Aap ne in Terms ki violation ki ho;
• Aap ne fraud, abuse, ya illegal activity ki ho;
• Aap ne hamari infrastructure ya security ko threaten kiya ho;
• Hamari discretion mein access termination appropriate ho.

Termination ke baad bhi, jo Sections apne aap mein survive karte hain (jaise Intellectual Property, Disclaimer, Limitation of Liability, Governing Law) woh continue rahenge.

13. Severability

Agar in Terms ka koi provision kisi court ya tribunal dwara unenforceable ya invalid paaya jaata hai, to woh provision modified hogi to the minimum extent necessary to make it enforceable, aur baki provisions intact rahenge.

14. Entire Agreement

Yeh Terms (hamari Privacy Policy aur Disclaimer ke saath) aap aur NI9.xyz ke beech ke entire agreement constitute karte hain is subject par, replacing koi prior agreements.

15. Hum Se Rabta Karein

In Terms ke baare mein koi sawal ho to hum se rabta karein: