Terms of Use

Effective date: 10 November 2026

By using RWACalculator (www.rwacalculator.com) you agree to these terms. If you do not agree, please do not use the site.

1. What the site is for

RWACalculator is a free educational tool for estimating credit risk-weighted assets (RWA) and capital requirements under the Basel II/III frameworks. It is provided for learning, illustration and cross-checking only.

2. Not professional advice

Results are estimates. They are not regulatory, legal, accounting, investment or financial advice and must not be relied on for regulatory reporting, capital planning or any business decision. Regulatory rules differ between countries and change over time. Always verify results against the rules issued by your regulator (for example the RBI, the PRA or the EBA) and with qualified professionals.

3. Accuracy and availability

We work hard to keep the formulas, risk weights and country ratings correct and up to date, but we do not guarantee that the site is accurate, complete, current or free of errors, or that it will always be available. Ratings and risk weights shown may lag official publications.

4. Limitation of liability

To the fullest extent permitted by law, the site owner is not liable for any loss or damage, direct or indirect, arising from your use of the site or reliance on its results. The site is provided "as is" without warranties of any kind.

5. Acceptable use

• Do not enter confidential, customer-identifying or proprietary bank data. Use illustrative figures.
• Do not use automated tools to scrape the site or send large volumes of requests.
• Do not try to bypass email verification, credit limits or security features, or interfere with the site's operation.

6. Free credits and email exports

Emailed PDF/CSV exports use free credits. We may change, limit or withdraw credits, exports or any feature at any time.

7. Intellectual property

The site's design, text, code and original content are © RWACalculator.com. You may use calculation results for your own purposes and share them with attribution. You may not copy or republish the site or its content without permission. Regulatory texts and third-party materials remain the property of their owners.

8. Third-party links and content

The site links to and embeds third-party content (for example BIS, RBI and EBA documents and YouTube videos). We are not responsible for their content, availability or privacy practices.

9. Advertising

The site shows advertising from Google AdSense to keep the tool free. See our Privacy Policy for how advertising cookies work.

10. Governing law

These terms are governed by the laws of India. Courts in India have jurisdiction over any dispute.

11. Changes

We may update these terms. The effective date at the top shows when they last changed. Continuing to use the site means you accept the updated terms.

12. Contact

Questions about these terms: info@rwacalculator.com.