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Terms and Conditions

Last Updated: August 2026

Welcome to Cursella (accessible at https://cursella.com/). These Terms and Conditions outline the rules and regulations for the use of Cursella’s Website and its online tools.

By accessing this website, we assume you accept these terms and conditions in full. Do not continue to use Cursella if you do not agree to all of the terms and conditions stated on this page.

1. Definitions & Overview

  • “Website” / “Site” refers to Cursella (https://cursella.com/).
  • “User”, “You”, and “Your” refers to you, the person accessing this website and compliant with the Company’s terms and conditions.
  • “We”, “Our”, and “Us” refers to Cursella and its founder/operator, Nehal Bagwan.

2. Use of Online Tools and Content

All calculators, utilities, text converters, estimators, and computational tools provided on Cursella are completely free to use for personal, educational, and general business planning purposes.

  • No Unlawful Use: You agree not to use the Site or its tools for any purpose that is unlawful, prohibited by these terms, or harmful to other users or network infrastructure.
  • No Automated Abuse: You may not use automated bots, scrapers, data-mining tools, or scripts to systematically download, mirror, or burden the performance of our website or server infrastructure.
  • Client-Side Operations: You acknowledge that our tools execute logic locally within your web browser. You are responsible for ensuring your browser and device environment support standard web technologies (HTML5, JavaScript).

3. Intellectual Property Rights

Unless otherwise stated, Cursella and/or its licensors own the intellectual property rights for all material, custom tool code, designs, and content published on Cursella. All intellectual property rights are reserved.

You may view, print, or use calculation outputs from the Site for your personal and internal business use, subject to restrictions set in these terms:

  • You must not republish, sell, rent, or sub-license material from Cursella.
  • You must not duplicate, reproduce, or copy our custom calculation scripts, layouts, or branding without prior written consent.
  • You must not redistribute content from Cursella (unless specific content is explicitly made for sharing).

4. Financial & Computational Disclaimer

  • Informational Purposes Only: The outputs generated by our calculators (including the W-2 vs. 1099 tax comparison tool) are mathematical approximations intended for general planning and informational use only.
  • No Professional Advisory Relationship: Using our tools does not establish an accountant-client, financial advisory, or legal relationship. We recommend consulting certified professionals (such as a CPA or tax attorney) for official filings and binding financial decisions.
  • Accuracy: While we strive to ensure our calculation algorithms remain accurate and aligned with relevant tax schedules, we do not guarantee zero errors or immediate updates following legislative tax revisions.

5. Advertisements, Third-Party Links & Monetization

Cursella may display third-party advertisements (such as Google AdSense) and affiliate links to monetize the platform and maintain free access for all users.

  • External Links: Our website may contain links to external third-party websites or services that are not owned or controlled by Cursella.
  • No Endorsement: We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You access them at your own risk.

6. Limitation of Liability & “As-Is” Provision

The Site and all its functionalities are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express or implied.

To the maximum extent permitted by applicable law, Cursella and Nehal Bagwan shall not be liable for any direct, indirect, incidental, consequential, or punitive damages resulting from:

  • Your access to or use of (or inability to access or use) our tools and website.
  • Any errors, bugs, or inaccuracies in mathematical outputs or formulas.
  • Any unauthorized access to or alteration of your transmissions or data.

7. Indemnification

You agree to indemnify, defend, and hold harmless Cursella, its creator, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of your violation of these Terms and Conditions or misuse of our tools.

8. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of the website following any changes signifies your acceptance of the updated terms.

9. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of India, and you irrevocably submit to the exclusive jurisdiction of the courts located in India for any dispute resolution.

10. Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please contact us:

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