Acceptance of Terms
By downloading, installing, or using the KALFIN application ("the app"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the app.
Description of Service
KALFIN is a financial calculator application that provides 6 specialized calculators for the Indonesian market, including mortgage (KPR) calculators and vehicle cost calculators. The app performs calculations based on user-provided inputs and displays results for informational purposes.
Disclaimer — Not Financial Advice
KALFIN is a calculator tool only. It does NOT provide financial, investment, tax, or legal advice. The results produced by the app are estimates based on the inputs you provide and general formulas. They should not be relied upon as the sole basis for any financial decision.
You should always:
- Consult with a qualified financial advisor, bank officer, or relevant professional before making financial commitments.
- Verify all calculations with your financial institution, as actual terms, rates, fees, and conditions may differ.
- Understand that real-world financial products involve additional factors, terms, and conditions not captured by any calculator.
Accuracy of Calculations
While we strive to provide accurate calculations based on standard financial formulas, we cannot guarantee that the results are error-free or complete. Calculation results may differ from actual bank quotes or financial products due to:
- Rounding differences between the app and financial institutions.
- Changes in tax rates, fees, or regulatory requirements.
- Bank-specific terms, promotional rates, or individual credit assessments.
- Additional fees or charges not included in the calculator models.
User Responsibilities
As a user of KALFIN, you are responsible for:
- Providing accurate input data for calculations.
- Verifying calculation results with relevant financial institutions before making any decisions.
- Understanding that the app is a tool to assist your research, not a substitute for professional advice.
- Using the app in compliance with applicable laws and regulations.
Intellectual Property
All content, design, code, and materials in the KALFIN app are the intellectual property of the developer. You may not copy, modify, distribute, or reverse-engineer any part of the app without prior written consent.
Limitation of Liability
To the maximum extent permitted by applicable law, the developers and operators of KALFIN shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:
- Your use of or inability to use the app.
- Any financial decisions made based on the app's calculations.
- Errors, inaccuracies, or omissions in calculation results.
- Any losses or damages resulting from reliance on information provided by the app.
Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of Indonesia. Any disputes arising from the use of this app shall be subject to the jurisdiction of the courts of Indonesia.
Changes to These Terms
We reserve the right to modify these Terms of Service at any time. Changes will be reflected on this page with an updated "Last updated" date. Continued use of the app after changes constitutes acceptance of the new terms.
Contact Us
If you have any questions about these Terms of Service, please contact us at: