1. Agreement to Terms
By accessing or using Kalcufy, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you do not have permission to access the Service.
These Terms apply to all visitors, users, and others who access or use the Service.
2. Description of Service
Kalcufy provides online calculators for financial planning, health metrics, and other computational tools. Our Service includes free calculators and optional premium features available through paid subscriptions.
3. Important Disclaimer
THE CALCULATORS AND TOOLS PROVIDED BY KALCUFY ARE FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY.
- • NOT PROFESSIONAL ADVICE: The results and calculations provided do NOT constitute financial, investment, tax, legal, or medical advice.
- • ESTIMATES ONLY: All calculations are estimates based on general formulas. Actual results may vary significantly.
- • SEEK PROFESSIONAL GUIDANCE: Before making important decisions, consult with qualified professionals.
- • NO GUARANTEE OF ACCURACY: While we strive to provide accurate calculations, we make no warranties about the completeness or accuracy of the information provided.
4. User Accounts
When you create an account, you must provide accurate and complete information.
You are responsible for safeguarding your password and for any activities under your account.
You must notify us immediately of any unauthorized use of your account.
5. Subscriptions and Payments
Some parts of the Service are available for free. Other parts require a paid subscription (PRO Plan).
Subscription fees are billed in advance. All payments are processed securely through Stripe.
You may cancel your subscription at any time. No refunds will be provided for partial months.
6. Intellectual Property
The Service and its original content are the exclusive property of Kalcufy and protected by copyright laws.
Our trademarks may not be used without our prior written consent.
7. User Content
When you save data to our Service, you retain ownership. We only store, backup, and display that content to you.
You may delete your data at any time through your account settings.
8. Prohibited Uses
You agree not to use the Service:
- For any unlawful purpose
- To harass or harm another person
- To interfere with or disrupt the Service
- To introduce viruses or malicious code
- To scrape or extract data without permission
- To use bots or automated systems
9. Third-Party Services
We use the following third-party services: Stripe for payments, Google Analytics for usage analytics, Google AdSense for advertising.
We have no control over the content or practices of third-party services.
10. Limitation of Liability
IN NO EVENT SHALL KALCUFY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES.
- Loss of profits, revenue, or data
- Financial losses based on calculator results
- Health decisions based on calculator results
- Business interruption
11. Disclaimer of Warranties
THE SERVICE IS PROVIDED AS IS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
12. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of significant changes.
13. Contact Us
If you have questions about these Terms, contact us at:
Email: legal@kalcufy.com
By using Kalcufy, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.