Terms & Conditions

Effective Date: January 2026

Welcome to ablatif.com. By accessing or using this website, you agree to these Terms & Conditions. If you do not agree with these terms, please stop using the website.

1) Website Purpose

ablatif.com provides:

• Banking and finance tools (e.g., EMI calculators, loan eligibility tools)
• Blog posts and educational content (banking, loans, fintech, personal finance)
• Templates or document tools for user convenience

The website is intended for educational and informational use only, especially in the context of Bangladesh banking and financial practices.

2) No Professional Advice

Content on this website is provided for educational purposes and does not constitute professional financial, legal, tax, or investment advice.

• Always verify loan terms and eligibility with your bank.
• Always consult professionals for legal or financial decisions.
• Tool calculations are estimates and may differ from bank systems.

3) Tool Accuracy & Limitations

While we aim to provide accurate banking tools and calculators, we cannot guarantee that calculations will always match every bank policy, internal circular, fee structure, or rounding logic.

Factors that may affect results include:

• Changes in bank interest rates, policy updates, or regulatory rules
• Loan processing charges, insurance fees, stamp duty, VAT, etc.
• Customer-specific eligibility and internal approval rules
• Data input errors by users

4) User Responsibilities

By using this website, you agree that you will:

• Provide accurate and lawful information when using tools or contacting us
• Use tools responsibly and for legal purposes only
• Not attempt to abuse, hack, or disrupt website operation
• Not use the website for fraud, misinformation, or illegal activity

5) Intellectual Property (Copyright)

All original website content, design, blog posts, tools, and code are owned by Abdul Latif, unless stated otherwise.

• You may share links to the website publicly.
• You may not copy full articles or tools and re-publish them without written permission.
• You may not re-sell or redistribute tool code.

6) Third-Party Links & Services

This website may contain links to third-party websites (banks, government portals, news sources, or services). We do not control third-party content and are not responsible for third-party policies or actions.

7) Advertising (Google AdSense)

ablatif.com may display advertisements through Google AdSense or other advertising networks. These services may use cookies or tracking technology to show relevant ads.

For details, please read our Privacy Policy.

8) Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for financial loss or damages resulting from tool outputs or blog information.
• We are not responsible for loan rejection, approval delays, or bank policy decisions.
• We are not responsible for website downtime, bugs, or errors.
• We are not responsible for losses caused by third-party services or links.

9) Termination

We may restrict or block access to the website if we believe a user is abusing tools, violating law, or causing security risks.

10) Changes to Terms

We may update these Terms & Conditions at any time. The latest version will always be available at: https://ablatif.com/terms.html

11) Contact

For questions regarding these terms, contact:

• Name: Abdul Latif
• Email: latifshahin@gmail.com
• Website: https://ablatif.com/