Terms of Use

Effective date: October 15, 2025
Contact Email: security@gmail.com
Governing law: Florida and Georgia

1. Introduction

Welcome to Kalu Financial Services (“Company,” “we,” “us,” or “our”). By accessing or using our website, enrolling in our training programs, or purchasing any of our services, you agree to be bound by these Terms of Use and all applicable laws and regulations.
If you do not agree with any part of these Terms, please do not use our website or services.

2. Purpose of the Website

The Kalu Financial Services website provides information, resources, and access to training programs in tax preparation, financial services, legal document preparation, and related fields. Content is intended for educational and informational purposes only and should not be interpreted as personalized legal or financial advice.

3. Eligibility

You must be at least 18 years old to enroll or use any Kalu Financial Services program. By using this site, you confirm that you meet this requirement and that all information you provide is accurate, current, and complete.

4. Payment and Enrollment

Enrollment in any course or service requires payment as stated at the time of purchase. Once tuition or payment is received, access will be granted to training materials according to your chosen plan.
Refund Policy: Due to the nature of digital access and immediate resource availability, all payments are non-refundable unless otherwise stated in writing.

5. Intellectual Property Rights

All materials, logos, videos, text, graphics, and documents on this website are the exclusive property of Kalu Financial Services or its licensors and are protected under copyright and intellectual property laws.
You may not reproduce, modify, distribute, or resell any materials without prior written consent. Limited access is granted for personal use and educational purposes only.

6. Student and User Conduct

By using our website and services, you agree not to:

  • Violate any applicable laws or regulations.
  • Engage in fraud, misrepresentation, or unauthorized use of Kalu materials.
  • Share login credentials or access with non-enrolled individuals.
  • Upload or transmit harmful content, malware, or spam.

Violation of these rules may result in immediate termination of access without refund.

7. Lifetime Access and Mentorship

Students enrolled in Kalu Institute programs receive lifetime access to course materials and one year of mentorship beginning on the date of enrollment. Kalu reserves the right to update or replace outdated materials as part of its educational improvements.

8. Limitation of Liability

Kalu Financial Services is not liable for:

  • Any loss, delay, or inaccuracy arising from the use of course materials.
  • Business or personal damages, including lost profits, resulting from website use.
  • Actions taken based on information from this website without direct consultation.

Your use of this website and services is at your own risk.

9. Governing Law

This Agreement shall be governed by and interpreted under the laws of the State of Florida and the State of Georgia, without regard to conflict of law principles.

10. Arbitration and Mediation Clause

All disputes, controversies, or claims arising from or relating to these Terms of Use, any enrollment agreement, or the services provided shall be resolved exclusively by binding arbitration or mediation, not through court proceedings.

  • Venue: Arbitration or mediation shall take place in Florida or Georgia, at the discretion of Kalu Financial Services.
  • Process: The proceeding shall be conducted by a neutral arbitrator or mediator mutually agreed upon by both parties.
  • Fees: Each party shall bear its own legal fees and expenses unless otherwise awarded by the arbitrator.
  • Finality: The decision of the arbitrator or mediator shall be final and enforceable in any court of competent jurisdiction.

By agreeing to these Terms, you waive the right to participate in a class action or jury trial.

11. Termination of Access

Kalu Financial Services reserves the right to suspend or terminate access to any course, user account, or program at its sole discretion for violation of these Terms or misuse of content.

12. Changes to These Terms

We may update or revise these Terms of Use from time to time. The updated version will always include a revised “Effective Date” at the top of this page. Continued use of our site or services after updates constitutes acceptance of the new terms.

13. Contact Information

If you have any questions about these Terms of Use, please contact us at:

Kalu Financial Services
Email: security@gmail.com
Governing States: Florida and Georgia