Terms of Service

By accessing or using Kulta("the Service"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, do not use the Service.

Kulta is a bookkeeping and financial management tool for real estate investors. The Service provides:

• Bank account connectivity via secure third-party providers
• AI-powered transaction categorization and management
• Double-entry accounting and journal entries
• Property, loan, and partner tracking
• Financial reports (P&L, Balance Sheet, Cash Flow, Schedule E)
• Automated depreciation schedules

To use the Service, you must:

• Be at least 18 years old
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access

You are responsible for all activity that occurs under your account.

You agree not to:

• Use the Service for any illegal purpose
• Violate any laws or regulations
• Infringe on the rights of others
• Attempt to gain unauthorized access to the Service
• Interfere with or disrupt the Service
• Transmit malware or harmful code
• Scrape or collect data from the Service without permission
• Use the Service to commit fraud or money laundering

Kulta offers multiple subscription tiers:

• Free: 1 portfolio, up to 3 properties, 1 bank connection
• Starter: 1 portfolio, up to 10 properties, 3 bank connections, AI categorization
• Pro: Unlimited portfolios, unlimited properties, unlimited bank connections, partner tracking

Early adopters may receive extended trial periods and discounted pricing. We may modify these limits at any time with notice to existing subscribers.

Not Financial Advice: Kulta is a bookkeeping tool, not a financial advisor. The Service does not provide tax, legal, or investment advice.

Accuracy: While we strive for accuracy, you are responsible for verifying all financial data and reports. Consult a qualified CPA or tax professional for tax filing.

Bank Connectivity: Bank account connectivity is provided through third-party services (Plaid, Teller). By using this feature, you agree to their respective terms and authorize us to access your transaction data as described in our Privacy Policy.

The Service, including its original content, features, and functionality, is owned byKulta and protected by international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our written permission.

You retain ownership of data you enter into the Service (property details, transactions, categorizations, etc.). By using the Service, you grant us a license to store, process, and display this data solely to provide the Service to you.

You may export your data at any time from the Reports section.

You may delete your account at any time. Upon deletion request:

• A 7-day grace period begins during which you can cancel the deletion
• After 7 days, your account and data will be permanently deleted
• Financial records may be retained as required by law (IRS 7-year retention)
• Bank access tokens will be immediately revoked

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Merchantability or fitness for a particular purpose
• Accuracy or completeness of financial calculations
• Uninterrupted or error-free operation
• Security of data transmission

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KULTA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

You agree to indemnify and hold harmless Kulta, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.

We may modify these Terms at any time. We will notify you of material changes by email and update the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the updated Terms.

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. Upon termination, your right to use the Service will immediately cease.

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in the United States.

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.