Terms of Service
Effective Date: March 19, 2026
1. Acceptance of Terms
By accessing or using the Kodivio website (the "Platform"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our services.
2. Description of Service
Kodivio provides free, browser-based online tools, calculators, and games. All tools are provided "as-is" for informational and professional utility purposes.
3. No Professional Advice
The results generated by our financial tools (e.g., Mortgage Calculator and US Tax Calculator) are estimates only. Kodivio is not a financial advisor or tax professional. Always consult with a certified CPA or financial expert before making significant financial decisions.
4. Limitation of Liability
Kodivio and its operators shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use our tools, or for any errors or omissions in the resulting data.
5. Intellectual Property
The software, branding, and design of Kodivio are protected by intellectual property laws. You may not scrape, copy, or redistribute our tools without explicit written permission.
6. Governing Law
These terms are governed by the laws of the United States. Any disputes will be resolved in his jurisdiction.