Terms of Service
Effective Date: October 4, 2026 | Last Updated: October 6, 2026
Summary: By using Kitzura, you agree to these Terms. All calculations are provided free of charge for informational and educational purposes. You retain full ownership of documents you create.
1. Acceptance of Terms
By accessing or utilizing any web calculator, converter, or utility hosted on Kitzura (accessible via https://kitzura.com), you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service.
2. Free Public Utility & Permitted Use
All calculators, estimators, and document generators on Kitzura are provided 100% free of charge for personal, educational, and professional estimation purposes. You may use our tools to calculate loans, estimate paychecks, compress images, and generate business invoices without subscription fees.
3. Financial, Legal & Health Disclaimers
Informational Estimation Only: The calculations, estimations, amortizations, and generated A4 PDF reports provided by Kitzura do not constitute formal legal, taxation, underwriting, fiduciary investment, or medical advice.
- Loan & Financial Calculations: While formulas adhere strictly to standard industry methodologies (Truth in Lending Act / Regulation Z, standard amortization formulas), actual interest rates, taxes, insurance, fees, and credit eligibility vary significantly by financial institution and jurisdiction.
- Health & Nutrition Calculations: The TDEE and macro estimators utilize standard Mifflin-St Jeor formulations for informational benchmarking and should not replace personalized medical or nutritional advice.
- Always consult a certified public accountant (CPA), licensed financial planner, or qualified professional before making major binding financial commitments.
4. User Content & Intellectual Property
You retain 100% intellectual property ownership of all invoices, estimates, markdown manuscripts, passwords, and QR codes generated through our client-side software. Because calculations run entirely in-browser, Kitzura claims no rights or ownership over any documents or media you process.
5. Availability & Limitation of Liability
Kitzura is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied. In no event shall Kitzura or its creators be held liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use the tools or reliance on calculation outputs.
6. Third-Party Links & Advertisements
Our website displays advertisements via Google AdSense and may feature links to external resources. We do not endorse, guarantee, or assume liability for third-party products, services, or websites linked through advertisements.
7. Governing Law
These Terms shall be governed by and construed in accordance with applicable laws without regard to conflict of law provisions.
8. Contact & Feedback
Questions regarding these terms may be directed to:
Email: support@kitzura.com