Terms of use.

Acceptance

By accessing this website you agree to these terms. If you do not agree, do not use the site.

Informational purpose only

All content on this website is provided for general informational purposes. It is not legal, tax, accounting, investment or lending advice, it is not tailored to your circumstances, and it does not create a consulting or client relationship between you and Kallus Strategic Management ("KSM"). A client relationship arises only under a signed engagement agreement.

Illustrative figures

Scores, metrics, dashboards, sample reports, roadmaps and scenarios shown on this site are illustrative examples created for demonstration. They do not represent actual clients, actual engagements or expected results. See our Disclosures for the full statement.

No guarantees

KSM does not guarantee financing approval, interest rates, credit limits, terms, credit score changes, savings or any other financial outcome. Lending decisions are made by lenders under their own criteria.

Submissions

When you submit the profile request form you confirm that the information you provide is accurate to the best of your knowledge and that you are authorized to provide it. You agree not to submit sensitive information — account numbers, government identification numbers, credentials or similar — through this website. You agree that KSM may contact you regarding your request.

Acceptable use

You agree not to:

• Use the site for any unlawful purpose or in violation of any applicable regulation
• Attempt to gain unauthorized access to the site, its systems or its data
• Submit automated, fraudulent, abusive or deliberately false enquiries
• Scrape, republish or resell the site's content without written permission

Intellectual property

The content, structure, copy, design and frameworks presented on this site are the property of KSM. You may read and share links to the material; you may not reproduce it commercially without written permission.

Third-party links

Links to third-party sites are provided for convenience. KSM does not control and is not responsible for their content, policies or practices.

Availability

The site is provided on an "as is" and "as available" basis. KSM does not warrant uninterrupted or error-free operation and may modify or discontinue any part of the site at any time.

Limitation of liability

To the fullest extent permitted by law, KSM will not be liable for any indirect, incidental, consequential or punitive damages arising from your use of this website or reliance on its content.

Changes

These terms may be updated. The updated date at the top of this page reflects the current version, and continued use of the site constitutes acceptance.

Contact

Questions about these terms: motti@kallusstrategicmanagement.com.