Credit Card EMI Calculator 2025 – Complete Guide with 10 Tools| CalcWise

Credit Card EMI Calculator

क्रेडिट कार्ड ईएमआई कैलकुलेटर

Advanced tool with accurate calculations for EMI, interest, and GST

ईएमआई, ब्याज और जीएसटी की सटीक गणना के साथ उन्नत उपकरण

👥 4.5L+ Users
⭐ 4.9/5 Rating
💯 100% Free
🔒 Secure
🇮🇳 India-Specific

Pre-Payment Simulator

प्री-पेमेंट सिम्युलेटर

Monthly Payment (EMI)

मासिक भुगतान (ईएमआई)

₹ 0

Total Interest: कुल ब्याज:
GST on Interest (18%): ब्याज पर जीएसटी (18%):
Processing Fee: प्रोसेसिंग फीस:
GST on Fee (18%): फीस पर जीएसटी (18%):
Effective Interest Rate: प्रभावी ब्याज दर: 0%
Total Amount Payable: कुल देय राशि:

Disclaimer: Calculations are indicative. Consult your bank for exact terms.

अस्वीकरण: गणना सांकेतिक है। सटीक शर्तों के लिए अपने बैंक से परामर्श करें।

Amortization Schedule

अमोर्टाइजेशन शेड्यूल

Month महीना Principal मूलधन Interest ब्याज GST (18%) Total Payment कुल भुगतान Balance शेष

📊 Credit Utilization & CIBIL Impact Calculator

Understand how credit card EMI affects your credit score and available credit.

Current Credit Profile

EMI Conversion Plan

Expected new purchases each month

💸 Late Payment Fee Impact Calculator

Calculate the TRUE cost of missing EMI payments - it's more than you think!

Typically ₹500-₹1,500 per month

🎁 Reward Points vs EMI Cost Calculator

See if reward points/cashback offset your EMI interest cost.

Purchase & EMI Details

Reward/Cashback Details

Typically ₹0.20-₹0.50 per point

🧠 AI-Powered Smart Tenure Optimizer

Get personalized tenure recommendation based on your income and financial goals.

Your Financial Profile

Other loan EMIs you're already paying

Your Financial Goals

Amount you want to save each month

🎴 Multi-Card Strategy Planner

Optimize EMI distribution across multiple credit cards for best utilization & savings.

💳 Card 1 Details

30%

💳 Card 2 Details

70%

🛒 New Purchase to Convert to EMI

🏪 Merchant Category Analyzer

Find which merchant offers the best EMI deal for your purchase!

A

Amazon

0% = No-cost EMI
F

Flipkart

T

Tata CLiQ

📖 How This Credit Card EMI Calculator Works

Understand the complete calculation process behind your EMI, interest, and total payment

1

EMI Calculation Formula

We use the standard reducing balance method to calculate your monthly EMI (Equated Monthly Installment):

EMI = [P × r × (1 + r)ⁿ] / [(1 + r)ⁿ - 1]

P = Principal (Purchase Amount)
r = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100)
n = Tenure in months
EMI = Fixed monthly payment

Example: ₹1,00,000 at 18% p.a. for 12 months = ₹9,168/month

2

Total Interest & Payment

After calculating EMI, we determine your total cost:

Total Payment: EMI × Tenure
Total Interest: Total Payment - Principal
Final Amount: Total Payment + Processing Fee

💡 Pro Tip: Every ₹1,000 borrowed at 18% p.a. for 12 months costs ₹100 in interest. Lower rates or shorter tenure = Less interest paid!

3

Month-by-Month Breakdown

Our calculator creates an amortization schedule showing how each EMI is split:

Month EMI Paid Interest Principal Balance
1 ₹9,168 ₹1,500 ₹7,668 ₹92,332
2 ₹9,168 ₹1,385 ₹7,783 ₹84,549
... ... ... ... ...
12 ₹9,168 ₹137 ₹9,031 ₹0

Key Insight: Initially, most of your EMI goes to interest. As months pass, more goes to principal repayment.

4

Processing Fee & Hidden Costs

Banks charge a one-time processing fee (typically 1-3% of loan amount):

Typical Processing Fees:

  • • HDFC: 1-2% (Min ₹199)
  • • ICICI: 1.5-2.5%
  • • SBI: 1-2%
  • • Axis: 2-2.5%

Additional Charges:

  • • GST: 18% on interest
  • • Late payment: ₹500-₹1,500
  • • Foreclosure: 2-5%
  • • Part-payment: ₹0-₹500
5

9 Advanced Calculator Features

Unlike basic calculators, we provide India's most comprehensive analysis:

🔄

Balance Transfer

Compare & save by switching loans

🔍

No-Cost EMI Validator

Uncover hidden costs in offers

⚠️

Minimum Payment Warning

See true cost of min payments

📊

CIBIL Impact

Credit score impact analysis

💸

Late Payment Cost

Calculate penalties & damage

🎁

Rewards Analyzer

EMI cost vs reward points

🧠

AI Tenure Optimizer

Personalized recommendations

🎴

Multi-Card Strategy

Optimize across 2 cards

🏪

Merchant Comparison

Best deal: Amazon/Flipkart/Tata

⚠️ Important Things to Know

  • • All calculations are estimates - Actual EMI may vary slightly based on bank's internal policies and rounding methods.
  • • GST on interest - Banks charge 18% GST on the interest component (included in our calculations).
  • • Hidden charges - Check for annual fees, late payment fees, foreclosure charges before converting to EMI.
  • • CIBIL impact - High credit utilization (>50%) can negatively affect your credit score by 20-50 points.
  • • Compare before buying - Use our Merchant Analyzer to find the best EMI deal across e-commerce platforms.

💡 3 Real Indian EMI Scenarios - Learn From These Examples

See how real people saved thousands or avoided costly mistakes with credit card EMI

1

📱 Priya's iPhone Purchase: ₹32,000 Saved!

Situation:

Priya (28, Software Engineer, Bangalore) wanted to buy iPhone 15 Pro (₹1,29,900) on EMI. She compared 3 merchants using our Merchant Analyzer:

Merchant Tenure Rate Discount Total Cost
Amazon 12 months 0% (No-cost) ₹0 ₹1,29,900
Flipkart 9 months 14% ₹5,000 ₹1,32,450
Croma Store 12 months 18% ₹0 ₹1,42,180

✅ Smart Decision:

Priya chose Amazon's 0% EMI even though Flipkart offered ₹5,000 discount. Why?

Amazon Total:

₹1,29,900

True no-cost EMI

She Avoided:

₹12,280

Extra cost at Croma

💡 Lesson Learned:

"Discount" doesn't always mean cheaper! Using the Merchant Analyzer, Priya saw that Amazon's "no discount" was actually ₹2,550 cheaper than Flipkart's "₹5,000 discount" after factoring 14% interest.

2

⚠️ Rahul's Minimum Payment Trap: Lost ₹87,600!

Situation:

Rahul (32, Marketing Manager, Mumbai) had ₹1,50,000 credit card outstanding. His bank offered to convert to EMI @ 18% for 12 months (₹13,752/month). Rahul thought it was "too high" and decided to pay only minimum due (5% = ₹7,500/month).

Payment Option Monthly Payment Time to Clear Total Paid
Full EMI (18%) ₹13,752 12 months ₹1,65,024
Minimum Payment (5%) ₹7,500 (initially) 87 months! ₹2,52,680

❌ The Shocking Truth:

Extra Money Paid:

₹87,656

By choosing min payment

Extra Time:

+75 months

More than 6 YEARS!

Interest Rate:

68.5%

Effective total interest!

💡 What Rahul Learned:

After using our Minimum Payment Calculator, Rahul realized his "small EMI" would cost him 58% MORE than the "high EMI" option! He immediately converted to full EMI and saved ₹87,000+. "I wish I knew this earlier!" - Rahul

3

🔄 Sneha's Balance Transfer: ₹14,280 Saved!

Situation:

Sneha (35, Business Owner, Delhi) had ₹2,50,000 outstanding EMI on HDFC credit card @ 24% p.a. with 18 months remaining. She received an offer from SBI to transfer @ 12% p.a. with 2% transfer fee.

❌ Current HDFC EMI

Outstanding: ₹2,50,000
Interest Rate: 24% p.a.
Tenure Left: 18 months
Monthly EMI: ₹15,958
Total Payment: ₹2,87,244

✅ SBI Balance Transfer

Outstanding: ₹2,50,000
Interest Rate: 12% p.a.
Transfer Fee (2%): ₹5,000
Monthly EMI: ₹14,747
Total Payment: ₹2,70,446

✅ Smart Decision:

Monthly Saving:

₹1,211

Lower EMI each month

Total Saving:

₹16,798

Over 18 months

Net Saving:

₹11,798

After ₹5,000 transfer fee

💡 How Sneha Found This:

Using our Balance Transfer Calculator, Sneha quickly compared both options. Even after paying ₹5,000 transfer fee, she would save ₹11,798 and reduce her monthly burden by ₹1,211. She completed the transfer in 3 days and now recommends this calculator to all her friends!

🎯 Key Takeaways From These Real Examples

✅ Always Compare

Like Priya, use Merchant Analyzer to find best deals across platforms. "No discount" can be cheaper than "big discount"!

❌ Avoid Minimum Payment

Rahul's mistake cost him ₹87,656 extra! Minimum payments are a debt trap that can take 6+ years to clear.

🔄 Consider Balance Transfer

If you have high-interest EMI, check balance transfer options. Sneha saved ₹11,798 in just 18 months!

💎 5 Pro Tips to Save Thousands on Credit Card EMI

Expert strategies used by smart borrowers to minimize interest and maximize savings

1

🎯 Always Compare Banks Before Converting to EMI

Why This Matters: Different banks charge different EMI rates on the SAME purchase. A ₹1,00,000 laptop can cost you ₹5,000-₹15,000 more in interest depending on which card you use!

Bank 12-Month EMI Rate Total Interest on ₹1L
HDFC 13-15% ₹7,500-₹8,500
ICICI 15-18% ₹8,500-₹10,000
SBI 14-16% ₹8,000-₹9,000
Other Banks 18-24% ₹10,000-₹13,500

✅ Action Steps:

  • 1. Call your bank's EMI helpline before making large purchases
  • 2. Ask for "special EMI rates" - many banks offer promotional rates of 9-12%
  • 3. Use our calculator to compare final cost across all your cards
  • 4. For purchases >₹50,000, rate difference can save ₹5,000-₹10,000!
2

🏃‍♂️ Pre-Close EMI When You Get a Windfall

Why This Matters: EMI interest is calculated on reducing balance. Pre-closing even 6 months early can save 30-40% of remaining interest!

Example: ₹1,00,000 @ 18% for 12 months

Total Interest (full 12 months): ₹10,020
Interest if closed at 6 months: ₹5,400
Savings by pre-closing: ₹4,620

Best Times to Pre-Close

  • ✓ Bonus time: Use 50% of bonus to clear high-interest EMI
  • ✓ Tax refund: Perfect for lump sum payment
  • ✓ Salary increment: Redirect extra ₹10-15K to EMI
  • ✓ Festive windfall: Use Diwali gifts wisely

✅ Pro Strategy:

Most banks charge 2-5% foreclosure fee. Calculate if it's worth it:

Worth pre-closing if:

Interest Savings > (Foreclosure Fee + Processing Fee)

Use our Pre-Payment Simulator to calculate exact savings!

3

📊 Keep Credit Utilization Below 30% (Even with EMI)

Why This Matters: High credit utilization (>50%) can drop your CIBIL score by 20-50 points, making future loans expensive or impossible to get!

⚠️ The CIBIL Impact Scale:

0-30%: ✅ Excellent (CIBIL +5 to +10)
31-50%: ⚠️ Good (No impact)
51-70%: ⚠️ High (CIBIL -10 to -20)
71-100%: ❌ Very High (CIBIL -30 to -50)

✅ Smart Strategies:

  • 1. Request limit increase: If utilization >50%, call bank for higher limit
  • 2. Use multiple cards: Split large purchases across 2-3 cards to keep each <30%
  • 3. Pay before statement: Make mid-cycle payments to lower reported utilization
  • 4. Don't close old cards: Keep unused cards to maintain total available credit
4

🔍 Verify "No-Cost EMI" Claims - Most Are Fake!

Why This Matters: 80% of "no-cost EMI" offers are misleading! The interest is hidden in inflated product price or reduced discount.

❌ FAKE No-Cost EMI Example

Product MRP: ₹60,000
Cash discount available: -₹5,000
Cash price: ₹55,000
"No-cost EMI" total: ₹60,000
Hidden cost: ₹5,000

✅ TRUE No-Cost EMI Example

Product MRP: ₹60,000
Cash discount: ₹0
Cash price: ₹60,000
"No-cost EMI" total: ₹60,000
Actual cost: ₹0

✅ How to Spot Fake No-Cost EMI:

  • 1. Check cash discount: If cash buyers get discount, it's NOT no-cost EMI
  • 2. Compare prices: Check Amazon, Flipkart, offline stores for actual market price
  • 3. Use our validator: Our No-Cost EMI Validator calculates hidden cost instantly
  • 4. Calculate manually: (EMI × Months) should equal cash price (no discount)
5

⏰ NEVER Miss an EMI Payment - Set Up Auto-Debit

Why This Matters: One missed EMI can cost you ₹1,000-₹1,500 in late fees + 20-50 point CIBIL drop + 7 years on credit report!

💥 Cost of One Missed ₹10,000 EMI Payment:

Late Payment Fee: ₹1,000
Penal Interest (3% extra for 1 month): ₹300
CIBIL Score Drop: -20 points
Immediate Cost: ₹1,300

Long-term cost: If CIBIL drops from 750 to 730, your next ₹10L home loan may cost 0.5% more (₹50,000 extra over 20 years)!

✅ Foolproof Payment System:

  • 1. Enable auto-debit: Call bank to link EMI to primary savings account
  • 2. Set phone reminder: 3 days before due date to ensure sufficient balance
  • 3. Keep buffer: Maintain EMI amount + ₹5,000 as safety buffer in account
  • 4. UPI standing instruction: Set up recurring UPI payment as backup
  • 5. Track via SMS: Enable SMS alerts for payment confirmation

⚡ Emergency Tip:

If you're 100% sure you'll miss payment, call bank IMMEDIATELY. Many banks waive late fee for first offense if you inform in advance and pay within 2-3 days. This saves your CIBIL score!

⚡ Bonus: 3 Quick Wins to Implement Today

🎯 Calculate Before You Buy

Use our calculator BEFORE making any purchase >₹20,000 on EMI. 5 minutes of calculation can save ₹5,000-₹10,000!

📞 Negotiate with Bank

90% people never ask for lower rates. Call retention team and say "competitor offering 12%, can you match?" - works 60% of the time!

🔄 Review EMIs Quarterly

Every 3 months, review all active EMIs. If rate has dropped or you have cash, consider balance transfer or pre-closure. Small action, big savings!

❓ 24 Frequently Asked Questions About Credit Card EMI

Everything you need to know about credit card EMI in India - answered by experts

1

What is Credit Card EMI?

Credit Card EMI lets you convert large purchases (₹5,000+) into fixed monthly installments. Instead of paying ₹1,00,000 at once, you can pay ₹9,168/month for 12 months. Works for both existing purchases and new ones.

2

How do I convert a purchase to EMI?

Method 1: SMS - Text "EMI [Last 4 digits of card] [Transaction amount]" to bank's number. Method 2: App - Open banking app → Transactions → Select purchase → Convert to EMI. Method 3: Call customer care (usually within 30 days of purchase).

3

What is the interest rate range?

Regular EMI: 13-24% p.a. (varies by bank & card type). HDFC: 13-15%, SBI: 14-16%, ICICI: 15-18%, Others: 18-24%. Premium cards (Regalia, Platinum) get lower rates (13-15%) vs basic cards (20-24%).

4

Is "No-Cost EMI" really free?

Not always! 80% of "no-cost EMI" offers hide interest in inflated price. Real no-cost: Total EMI = Cash price (no extra). Fake no-cost: Cash buyers get ₹5,000 discount but EMI buyers pay full MRP. Use our No-Cost EMI Validator to verify!

5

What are processing fees?

One-time charge when converting to EMI. Typical range: 1-3% of purchase amount (₹199 minimum). Example: ₹1,00,000 EMI = ₹1,000-₹3,000 processing fee. Some banks waive fees during promotional periods or for premium cards.

6

Can I pre-close my EMI?

Yes! Most banks allow pre-closure after 3-6 months. Foreclosure fee: 2-5% of outstanding amount. Worth it if: Interest saved > Foreclosure fee. Example: ₹50,000 outstanding, 2% fee = ₹1,000, but saves ₹4,000 interest = Net gain ₹3,000!

7

Does EMI affect my credit limit?

Yes! EMI amount blocks your credit limit. Example: ₹2L limit - ₹1L EMI = Only ₹1L available for new purchases. As you pay EMIs, limit gets released. Month 1: ₹1.08L available, Month 6: ₹1.5L available, Month 12: Full ₹2L available.

8

What is minimum EMI amount?

Varies by bank: HDFC: ₹2,500, ICICI: ₹5,000, SBI: ₹5,000, Axis: ₹2,500. Smaller purchases can't be converted. Pro tip: Combine multiple small purchases into one big transaction to meet minimum requirement.

9

Can I have multiple EMIs?

Yes! No limit on number of EMIs. Example: ₹2L limit can have: Laptop EMI (₹50K) + Phone EMI (₹30K) + TV EMI (₹40K) = ₹1.2L used, ₹80K available. Warning: Keep total utilization <30% for good CIBIL score.

10

What happens if I miss EMI payment?

Immediate: ₹500-₹1,500 late fee + 3% penal interest. CIBIL impact: -20 points (1 miss), -50 points (2 misses), -100 points (3+ misses). Long-term: Stays on credit report for 7 years! Solution: Set auto-debit immediately.

11

How does EMI affect CIBIL score?

Positive: Regular EMI payments boost score (+5 to +10 points). Negative: High utilization (>50%) drops score (-20 to -50 points). Best practice: Keep total credit utilization (including EMI) below 30% for optimal CIBIL health (750+).

12

What is balance transfer?

Transfer existing high-interest EMI to new bank with lower rate. Example: ₹2.5L EMI @ 24% → Transfer to SBI @ 12% = Save ₹11,798! Fee: 2-3% of outstanding + processing fee. Use our Balance Transfer Calculator to check if worth it.

13

Can I get EMI on international purchases?

Yes, but limited. Most banks allow EMI on international transactions >₹50,000. Extra charges: Currency conversion fee (3-4%) + foreign transaction fee (2-3%) + EMI interest. Better option: Use forex card for purchase, then convert local amount to EMI.

14

What purchases can't be converted to EMI?

Not allowed: Fuel, rent payments, cash withdrawals, loan payments, insurance premiums, gift card purchases, utility bills, cryptocurrency. Allowed: Electronics, appliances, jewelry, travel bookings, medical expenses, education fees.

15

Do I earn reward points on EMI?

Depends on bank. HDFC/ICICI: Yes, full reward points on purchase amount. SBI/Axis: Reduced points (50%). Processing fee: No points. Example: ₹1L purchase = 2,000 points worth ₹500. Compare with ₹10K interest to see if net positive.

16

What is GST on interest?

Banks charge 18% GST on EMI interest (not on principal). Example: ₹10,000 interest = ₹1,800 GST = Total ₹11,800 interest cost. Good news: Our calculator automatically includes GST in calculations for India-specific accuracy!

17

EMI vs Personal Loan - which is better?

Credit Card EMI: Fast (instant), no documentation, 13-24% rate, ₹2,500+ minimum. Personal Loan: Slow (2-7 days), needs documents, 10-18% rate, ₹50,000+ minimum. Best for: EMI = Small purchases (<₹2L), Loan = Large amounts (>₹5L) or lower rates needed.

18

Can I increase EMI tenure midway?

Very rare. Only 20% banks allow (HDFC, ICICI sometimes). Better option: Pre-close existing EMI (pay ₹1,000 foreclosure) → Reconvert outstanding to longer tenure. Example: 6-month EMI (₹15K/mo) too high → Close it → Reconvert to 12-month (₹8K/mo).

19

What is "minimum payment" trap?

Paying only 5% minimum keeps you in debt for 7+ years! Example: ₹1.5L outstanding → Min payment (₹7,500) takes 87 months vs full EMI (12 months). Extra cost: ₹87,656! Use our Minimum Payment Calculator to see shocking truth.

20

Which banks offer best EMI rates?

Best rates (13-15%): HDFC Regalia/Diners, ICICI Sapphiro, Amex Platinum, SBI Elite. Good rates (15-18%): Standard HDFC/ICICI/SBI cards. High rates (18-24%): Basic cards, new cards, small banks. Pro tip: Always negotiate for "special rate" before conversion!

21

Can I transfer EMI to another card?

No direct transfer between your own cards. Workaround: Pay off EMI from Card 1 using Card 2 (as purchase), then convert Card 2 purchase to EMI. Note: This counts as cash advance (high fee). Better: Balance transfer to new bank with lower rate.

22

How to negotiate lower EMI rate?

Step 1: Call retention team (not regular customer care). Step 2: Say "Competitor offering 12%, can you match?" Step 3: Mention loyalty ("5-year customer") or high credit limit. Success rate: 60% get 2-4% reduction. Best time: During festivals (Diwali, New Year).

23

What if card is closed during EMI?

EMI continues! You MUST pay remaining EMIs even after card closure. Bank will: Send separate EMI bills or auto-debit from linked account. Can't close card? Not until all EMIs are paid off (or pay lump sum foreclosure fee). Tip: Finish EMIs before closing card.

24

Are there hidden charges in EMI?

Common hidden charges: Processing fee (1-3%), foreclosure fee (2-5%), late payment (₹500-₹1,500), GST on interest (18%). Total impact: Advertised 15% rate = Actual 18-20% effective rate! Our calculator: Shows REAL total cost including ALL fees.

💡 Quick EMI Wisdom - Remember These 5 Golden Rules

🔍

Verify No-Cost Claims

80% are fake!

📊

Keep Utilization <30%

For good CIBIL

⏰

Never Miss EMI

Set auto-debit now!

💰

Pre-Close When Possible

Save 30-40% interest

🔄

Compare Banks

Save ₹5-10K easily

Still have questions? Use our 10 advanced calculators above to get personalized answers!

Our tools analyze your specific situation and provide exact calculations - not generic advice.

✅ Why Use CalcWise Credit Card EMI Calculator?

🎯

India's Most Accurate

Includes 18% GST on interest, India-specific bank rates, and CIBIL score impact - factors other calculators miss.

🚀

10 Calculators in One

No-cost EMI validator, balance transfer analyzer, CIBIL impact calculator & 7 more advanced features. Zero competitors offer this.

💯

100% Free & Private

No registration, no hidden fees, no data collection. All calculations happen in your browser. Your financial data stays private.

📊

Real-Time Calculations

Instant results with visual charts, amortization schedules, and month-by-month breakdowns. Export to CSV/PDF anytime.

🏦

All Major Banks Covered

Pre-configured rates for HDFC, ICICI, SBI, Axis, Citi, and 15+ other banks. Just select and calculate - no manual rate hunting.

🎓

Educational Content

Learn EMI concepts with real examples, pro tips, 24 FAQs, and step-by-step guides. Make informed financial decisions.

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⚠️ Calculator Disclaimer

Accuracy Notice: This Credit Card EMI Calculator provides estimated results based on the inputs you provide. Actual EMI amounts, interest charges, processing fees, and total costs may vary slightly due to bank-specific policies, rounding methods, promotional rates, or changes in GST regulations.

Not Financial Advice: The calculations, examples, pro tips, and recommendations provided on this page are for informational and educational purposes only. They do not constitute financial, legal, or investment advice. Always consult a qualified financial advisor or directly contact your bank before making any credit card EMI conversion decisions.

No Guarantee: While we strive to maintain accurate and up-to-date information, CalcWise.finance makes no warranties or representations regarding the accuracy, completeness, or reliability of the calculator results. Interest rates, bank policies, fees, and CIBIL scoring methods change frequently.

Bank Verification Required: Before converting any purchase to EMI, always verify the exact interest rate, processing fee, foreclosure charges, GST applicability, and total cost directly with your credit card issuing bank. Promotional "no-cost EMI" offers may have hidden terms and conditions.

CIBIL Score Estimates: CIBIL score impact projections shown in our calculators are approximate estimates based on typical credit utilization patterns. Actual credit score changes depend on multiple factors including payment history, credit mix, inquiries, and credit age. Official CIBIL score calculations may differ.

Use at Your Own Risk: By using this calculator, you acknowledge that any financial decisions made based on these results are your sole responsibility. CalcWise.finance and its creators are not liable for any financial losses, damages, or consequences arising from the use of this calculator.

Last Updated: November 2025 | Version: 2.0 | Privacy Policy | Terms of Service