Terms of Use (Membership Agreement)

This Terms of Use (Membership Agreement) is entered into between Teknolojig Bilişim Teknolojileri A.Ş. ("Kalkoro", "we") and the individual ("User", "you") who uses the kalkoro.com website and the "Kalkoro" mobile app (the "Platform"). By using the Platform you confirm that you have read and accept this Agreement and the Privacy Policy.

Operator: Teknolojig Bilişim Teknolojileri A.Ş. · Address: Ataköy Towers A Blok No: 20/1 70, 34158 Bakırköy / İstanbul · Tax office/no: Bakırköy V.D. – 8360775497 · Email: info@kalkoro.com · Phone: +90 850 840 40 03

• Platform: the kalkoro.com website and the iOS/Android "Kalkoro" mobile app.
• Tool: the calculation tools offered on the Platform (loan, salary, tax, health, exam, etc.).
• Guest use: using the Platform without an account.
• Membership/account: a user account created with email, Google or Apple.
• Content: the text, images, calculation engines, parameters and design on the Platform.

Kalkoro provides calculation tools for informational purposes. Calculations run on your device; results depend on the values you enter and the parameters in force at the time (tax brackets, rates, tariffs, etc.).

Results are estimates for information only and do not constitute professional advice. No result on Kalkoro is financial, legal, tax, medical or investment advice, and none is binding. For official matters, rely on the relevant authority, a professional or the applicable law.

Parameters and rates may change with the law; we make reasonable efforts to keep them current but do not warrant the accuracy, timeliness or fitness for a particular purpose of the results. You use the results at your own responsibility.

Live data such as currency and gold prices come from third-party/public sources and may be delayed or inaccurate. They are for information, not for commercial decisions.

• The Platform can be used in full without membership (guest mode). Membership is optional and syncs your favorites and calculation history across devices.

• Membership is created via email/password, Google sign-in or (on iOS only) Apple sign-in. You undertake that the information you provide is accurate and current.

• Account security (password confidentiality, etc.) is your responsibility. Notify us immediately if you notice unauthorised use of your account.

• The minimum age for membership is 18. Under-18s may use the Platform only under the supervision and with the consent of a parent/guardian.

You agree not to:

• use the Platform for unlawful purposes or in a way that infringes the rights of third parties;
• perform excessive/abusive access with automated systems (bots, scrapers), attempt to disrupt the service, or circumvent security measures;
• copy, reverse-engineer, create derivatives of, or commercially redistribute the Platform’s source code, calculation engines or content without permission;
• distribute malware or manipulate the system.

All content, design, brand (the "Kalkoro" name and logo), calculation engines and software on the Platform belong to Kalkoro or its licensors and are protected by intellectual-property law.

You are granted a limited, non-exclusive, non-transferable right to use the Tools for personal, non-commercial purposes. You may share result screens for your personal use. All other rights are reserved.

• The Platform is currently free and supported by advertising revenue.

• Subject to permission and consent (see the Privacy Policy), Google AdMob ads may be shown in the app. Ads do not affect the content of calculation results.

• A paid premium subscription may be offered in future; in that case purchases will be made via Apple In-App Purchase on iOS and Google Play Billing on Android, and the terms will be clearly disclosed before purchase. There are no purchases in this version.

The Platform is provided "as is" and "as available", with no express or implied warranty, including of uninterrupted operation, error-freeness or fitness for a particular purpose.

To the maximum extent permitted by applicable law, Kalkoro is not liable for decisions taken in reliance on Tool results, or for indirect/incidental damages, data loss or service interruptions. This limitation does not affect non-waivable rights arising from consumer law.

• You can delete your account at any time from within the app (Account > Delete Account) or on the web (kalkoro.com/en/delete-account). When the account is deleted, the related personal data is deleted/anonymised under the Privacy Policy.

• Kalkoro may suspend or terminate an account in the event of a breach of this Agreement or a legal obligation.

Kalkoro may update this Agreement and the Platform. Material changes are announced through the Platform or by an appropriate means; use after a change is deemed acceptance of the current Agreement.

This Agreement is governed by the laws of the Republic of Türkiye. The Istanbul (Bakırköy) Courts and Enforcement Offices have jurisdiction; for consumer transactions, the jurisdiction of Consumer Arbitration Committees and Consumer Courts is reserved.

For questions and requests: info@kalkoro.com · kalkoro.com/en/contact