Terms of Service

1. Acceptance of Terms

By creating an account or using the Kaldo platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

You must be at least 16 years of age to use this Service. By using the Service, you represent that you meet this age requirement.

2. Account Registration

To access the Service, you must create an account through our authentication provider, Clerk. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain the security of your account credentials and authentication tokens
• Promptly notify us of any unauthorized access to or use of your account
• Accept responsibility for all activities that occur under your account

You are solely responsible for maintaining the confidentiality of your account. Kaldo will not be liable for any loss or damage arising from your failure to safeguard your account credentials.

3. Subscription Plans and Billing

Free Trial

New users receive a 30-day free trial with full access to the platform. No credit card is required to start the trial. After the trial period ends, you must subscribe to a paid plan to continue using the Service.

Plans

Kaldo offers paid subscription plans including Pro and Enterprise tiers. The features, limitations, and pricing for each plan are described on our website and may be updated from time to time.

Payment Processing

All payments are processed through Stripe. By subscribing to a paid plan, you authorize Stripe to charge your designated payment method on a recurring basis in accordance with the billing cycle of your chosen plan. You agree to maintain valid and up-to-date payment information.

Billing Cycle and Renewals

Paid subscriptions automatically renew at the end of each billing cycle unless cancelled before the renewal date. You will be charged at the then-current rate for your plan at each renewal.

Cancellation

You may cancel your subscription at any time through your account settings or the Stripe customer portal. Upon cancellation, your subscription will remain active until the end of the current billing period. No refunds are provided for partial billing periods.

After your subscription ends or your free trial expires, your wallets and associated data (including transactions, categories, and shared wallet memberships) will be retained for six (6) months. During this grace period, you may resubscribe to restore full access. If you do not resubscribe within six months, your data will be permanently deleted.

Price Changes

We reserve the right to modify our pricing at any time. If we change the price of your plan, we will provide you with reasonable advance notice. Continued use of the Service after a price change constitutes acceptance of the new pricing.

4. User Content and Data

Your Data

You retain all ownership rights to the financial data, transaction records, categories, and other information you create or upload through the Service ("User Data"). By using the Service, you grant Kaldo a limited, non-exclusive, worldwide license to host, store, transmit, and display your User Data solely for the purpose of providing and operating the Service.

Data Portability

You may export your data at any time using the CSV export or bulk ZIP export features. We are committed to ensuring you always have access to your own financial data.

Shared Wallets

When you share a wallet with other users, those users will have access to the transaction data within that wallet based on their assigned role. You are responsible for managing access to your shared wallets and the data contained within them.

Kaldo Intellectual Property

The Service, including its design, features, code, and branding, is owned by Kaldo and protected by intellectual property laws. These Terms do not grant you any right, title, or interest in the Service beyond the limited right to use it in accordance with these Terms.

5. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to the Service, other accounts, or any related systems or networks
• Interfere with or disrupt the integrity or performance of the Service or its infrastructure
• Use the Service to send spam, unsolicited messages, or engage in any form of automated abuse
• Reverse-engineer, decompile, or disassemble any part of the Service
• Use the Service in a manner that could damage, disable, overburden, or impair the Service
• Violate any applicable local, state, national, or international law or regulation

Kaldo reserves the right to investigate and take appropriate action against anyone who, in our sole discretion, violates this provision, including suspension or termination of the violating user's account.

6. Third-Party Services

The Service integrates with and relies on several third-party services. Your use of these integrations is subject to the respective third-party terms and policies:

• Clerk:Authentication and identity management. Subject to Clerk's Terms of Service.
• Stripe:Payment processing for subscriptions. Subject to Stripe's Terms of Service.
• Convex:Real-time data storage and backend infrastructure. Subject to Convex's Terms of Service.

Kaldo is not responsible for the availability, accuracy, or practices of any third-party services. Your interactions with third-party services are governed by their respective terms, and you assume all risks associated with their use.

7. Service Availability and Modifications

We strive to keep the Service available at all times, but we do not guarantee uninterrupted or error-free operation. The Service may be temporarily unavailable due to:

• Scheduled maintenance, updates, or infrastructure changes
• Unscheduled outages caused by technical issues or third-party service disruptions
• Force majeure events beyond our control

We reserve the right to modify, suspend, or discontinue any feature or aspect of the Service at any time, with or without notice. We will make reasonable efforts to notify users of significant changes that may affect their use of the Service.

8. Financial Disclaimer

Kaldo is a personal finance tracking tool. It is not a financial advisor, bank, or investment platform. The Service does not provide financial, investment, tax, or legal advice. Any analytics, summaries, or visualizations provided by the Service are for informational purposes only and should not be relied upon for financial decision-making.

You are solely responsible for verifying the accuracy of your financial data and making your own financial decisions. Kaldo is not liable for any financial losses resulting from your use of or reliance on the Service.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Kaldo and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data loss, business interruption, or other intangible losses, arising out of or in connection with:

• Your use of or inability to use the Service
• Any unauthorized access to or alteration of your data or transmissions
• Actions or content of any third party on or through the Service
• Inaccuracies in financial tracking, balances, or analytics
• Service interruptions, including those caused by third-party provider outages

In no event shall Kaldo's total aggregate liability exceed the amount you have paid to Kaldo in the twelve (12) months preceding the event giving rise to the claim.

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Termination

Termination by You

You may terminate your account at any time by cancelling your subscription and contacting us to request account deletion. Upon termination, your right to use the Service will cease immediately.

Termination by Kaldo

We may suspend or terminate your account and access to the Service at any time, with or without cause, including but not limited to:

• Violation of these Terms or any applicable law
• Abusive, fraudulent, or harmful behavior on the platform
• Non-payment of subscription fees after reasonable notice
• Extended inactivity on your account

Effect of Termination

Upon termination, your access to the Service will be disabled. Your financial data will be retained for six (6) months following termination, after which it will be permanently deleted. We recommend exporting your data before termination. Sections of these Terms that by their nature should survive termination will remain in effect, including Limitation of Liability, Intellectual Property, and Governing Law.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Kaldo operates, without regard to its conflict of law provisions. Any disputes arising from or relating to these Terms or your use of the Service shall be resolved through good-faith negotiation. If a resolution cannot be reached, disputes shall be submitted to the exclusive jurisdiction of the competent courts in the applicable jurisdiction.

12. Changes to Terms

We reserve the right to update or modify these Terms at any time. If we make material changes, we will notify you by posting the revised Terms on this page with an updated "Last updated" date. We may also provide additional notice, such as an email notification or an in-app banner, for significant changes.

Your continued use of the Service after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Service and terminate your account.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: [email protected]