Terms of Service

1. Acceptance of Terms

By accessing and using Kalberry (kalberry.com), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website.

2. Description of Service

Kalberry provides free online finance and business calculator tools. These tools are designed for informational and educational purposes only. All calculations are performed in your browser using client-side technology.

We strive to keep our tools accurate and up-to-date, but we reserve the right to modify, suspend, or discontinue any tool at any time without prior notice.

3. No Financial Advice

The tools and content on Kalberry do not constitute financial, tax, legal, or investment advice. Results from our calculators are estimates based on the information you provide and the formulas we use. They should not be relied upon as the sole basis for any financial decision.

We strongly recommend consulting with a qualified financial advisor, tax professional, or legal expert before making important financial decisions. Tax laws, interest rates, and financial regulations change frequently, and our tools may not reflect the most recent changes.

4. No Warranty

Our tools are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

• Accuracy or completeness of calculations
• Fitness for a particular purpose
• Uninterrupted or error-free operation
• Correctness of tax rates, brackets, or financial rules

While we make reasonable efforts to ensure accuracy, calculation errors may occur due to rounding, outdated data, or software bugs. Always verify important calculations independently.

5. Limitation of Liability

To the maximum extent permitted by applicable law, Kalberry and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use our tools
• Any errors or inaccuracies in calculator results
• Any financial decisions made based on our tools
• Any unauthorized access to or alteration of your data

6. Intellectual Property

All content on Kalberry, including but not limited to text, graphics, logos, icons, code, and calculator designs, is the property of Kalberry and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content from this website without prior written permission.

7. Acceptable Use

You agree not to:

• Use automated tools to scrape or extract content from our website
• Attempt to interfere with or disrupt the website's functionality
• Use our tools for any unlawful purpose
• Remove or alter any copyright or proprietary notices

8. Third-Party Content and Links

Our website may contain advertisements from third-party ad networks and links to external websites. We are not responsible for the content, accuracy, or practices of any third-party sites or advertisers.

9. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of Kalberry after any changes constitutes acceptance of the new terms.

10. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Thailand. Any disputes arising from these terms or your use of Kalberry shall be subject to the exclusive jurisdiction of the courts of Thailand.

11. Contact Us

If you have questions about these Terms of Service, please contact us at legal@kalberry.com.