These terms govern your use of the Kalorivento website and services. By accessing our site or engaging our services, you agree to these terms. Please read them carefully.

These terms were last updated on April 19, 2026

Acceptance of Terms

By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these terms and any future modifications. If you do not agree with any part of these terms, you should not use our website or services.

Definitions

The following terms have specific meanings when used in this agreement.

• Company, we, us, or our refers to Kalorivento and its affiliates, employees, and authorized representatives providing financial planning services.
• Client, you, or your refers to any individual or entity that accesses our website, submits information through our forms, or engages our services.
• Services refers to all financial planning guidance, consultations, analysis, and related offerings we provide to clients through various channels.
• Website refers to the Kalorivento website and all associated pages, content, and functionality hosted at kalorivento.sbs.

Use of Services

Our services are intended for personal financial planning purposes. You agree to provide accurate information, use services lawfully, and not misuse or attempt to compromise our systems or data.

Eligibility

You must be at least eighteen years old and legally capable of entering into binding contracts to use our services. By using our services, you represent that you meet these requirements.

Services may have additional eligibility requirements based on jurisdiction.

Your Responsibilities

When using our services, you agree to the following responsibilities.

• Provide accurate, complete, and current information when submitting forms, scheduling consultations, or engaging in financial planning discussions.
• Keep any login credentials or account information secure and confidential. You are responsible for all activity under your account.
• Notify us immediately of any unauthorized use of your account or any security breach that affects your information.
• Comply with all applicable laws and regulations when using our services and refrain from any activity that violates these terms.

Prohibited Activities

You may not use our website or services for any of the following purposes.

• Attempting to gain unauthorized access to our systems, networks, or data through hacking, password mining, or any other means.
• Transmitting viruses, malware, or any code designed to disrupt, damage, or limit the functionality of our website or services.
• Using our services for fraudulent purposes, to mislead others, or to engage in any illegal activity.
• Scraping, mining, or harvesting data from our website without explicit written permission from us.
• Impersonating any person or entity, misrepresenting your affiliation, or providing false information about your identity.

Intellectual Property Rights

All content on our website including text, graphics, logos, and software is owned by Kalorivento or our licensors and protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

User Submitted Content

When you submit information through forms or communications, you grant us permission to use that content to provide services and improve our offerings. We will handle your information according to our Privacy Policy.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which is incorporated into these terms by reference. Please review our Privacy Policy to understand how we handle your data. View Privacy Policy

Financial Planning Disclaimer

Financial planning services involve analysis and guidance but cannot guarantee specific outcomes or results.

Limitation of Liability

To the fullest extent permitted by law, Kalorivento shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services or website, even if we were advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless Kalorivento, its employees, and representatives from any claims, losses, or damages arising from your use of services, violation of these terms, or infringement of any third-party rights.

Dispute Resolution and Governing Law

Any disputes arising from these terms or our services shall be resolved according to the following process.

Applicable Law and Jurisdiction

These terms are governed by the laws of India. Any legal action must be brought in the courts of the jurisdiction where our principal office is located.

Termination

We reserve the right to terminate or suspend your access to our services at any time for violation of these terms or for any other reason at our discretion. You may terminate your use of services by ceasing to access our website and notifying us.

Modifications

We may update these terms periodically to reflect changes in our practices or legal requirements. Updated terms will be posted on this page with a new effective date. Continued use after changes constitutes acceptance of the updated terms.

Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid.

Entire Agreement

These terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Kalorivento regarding use of our services and supersede all prior agreements.

Contact Information

If you have questions about these terms, please contact us.