Terms of Service

Last updated: August 10, 2026

These Terms of Service (the “Terms”) are a binding agreement between AB Technologies Holdings Corp, a Delaware corporation doing business as Kalco (“Kalco,” “we,” “us,” or “our”), and you, the person accessing or using our website at trykalco.com and any related applications and services (collectively, the “Service”).

By accepting these Terms or using the Service, you: (a) acknowledge you have read and understand them; (b) represent that you are at least 18 years old; (c) represent that you have the authority to enter into this agreement; and (d) agree to be legally bound.

If you do not agree, you may not use the Service.

1. The Service

A. What Kalco Does

Kalco is a personal finance information tool that helps you understand and plan the repayment of your debts. The Service allows you to connect financial accounts or enter debt information manually, and then displays projected payoff timelines, total interest costs, and the effect of making additional payments.

B. What Kalco Does Not Do

Kalco does not move money, make payments on your behalf, hold funds, extend credit, or negotiate with your creditors. Kalco is not a bank, lender, money transmitter, credit counselor, debt settlement company, or financial advisor.

C. Personal Use Only

Your account is personal to you. You may not use the Service for commercial purposes or resell access to it.

D. License

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your personal use.

E. Modification and Availability

We may modify, suspend, or discontinue the Service or any part of it at any time. We make no guarantee regarding uptime or availability. If you are dissatisfied with any change, your sole remedy is to stop using the Service.

2. Connecting Financial Accounts

A. Authorization

By connecting a financial account, you authorize and direct Kalco, as your agent and on your behalf, to electronically retrieve information about that account (“Account Data”) from your financial institutions and other third-party data sources (“Third-Party Data Sources”).

FOR THE PURPOSE OF OBTAINING AND DISPLAYING ACCOUNT DATA TO YOU AS PART OF THE SERVICE, YOU GRANT KALCO A LIMITED POWER OF ATTORNEY AND APPOINT KALCO AS YOUR ATTORNEY-IN-FACT AND AGENT TO ACCESS THIRD-PARTY DATA SOURCES, RETRIEVE YOUR INFORMATION, AND USE THAT INFORMATION AS DESCRIBED IN THESE TERMS AND OUR PRIVACY POLICY. YOU ACKNOWLEDGE THAT WHEN KALCO ACCESSES AND RETRIEVES ACCOUNT DATA, KALCO ACTS AS YOUR AGENT AND NOT AS THE AGENT OF ANY THIRD PARTY. THIRD-PARTY DATA SOURCES ARE ENTITLED TO RELY ON THIS AUTHORIZATION.

B. Plaid

We use Plaid Inc. (“Plaid”) to connect your accounts and retrieve Account Data. By using the Service to connect an account, you grant Kalco and Plaid the right to access and transmit your financial information from the relevant financial institution, and you agree to Plaid’s End User Privacy Policy, available at https://plaid.com/legal.

C. Read-Only Access

Our access to your financial accounts is read-only. We cannot and do not initiate transactions, transfer funds, or make changes to your accounts.

D. Accuracy of Account Data

WE ARE NOT RESPONSIBLE FOR THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ACCOUNT DATA OBTAINED FROM THIRD-PARTY DATA SOURCES. Financial institutions do not always report complete or current information. Interest rates, balances, minimum payments, and due dates may be missing, outdated, or incorrect. We do not represent or warrant that we will be able to retrieve your Account Data from any particular institution. If you believe any Account Data is inaccurate, you should contact the relevant financial institution directly.

E. Manual Entry

You may enter debt information manually. You are responsible for the accuracy of any information you enter.

F. Disconnection

You may disconnect any financial account at any time through your account settings.

G. No Endorsement

The Service is not endorsed by or affiliated with any financial institution accessible through it.

3. Projections, Calculations, and Not Financial Advice

A. Projections Are Estimates

Payoff dates, total interest figures, interest savings, and all other calculations displayed by the Service are estimatesgenerated from the information available to us. They are based on assumptions including, but not limited to, minimum payment formulas, interest accrual methods, consistent payment behavior, and unchanged interest rates.

B. Actual Results Will Differ

Your actual payoff timeline and interest costs will differ from our projections. Interest rates change. Minimum payment formulas vary by creditor. Fees, promotional rate expirations, additional borrowing, missed payments, and creditor-specific payment allocation practices all affect real outcomes.

C. Not Financial Advice

KALCO PROVIDES INFORMATIONAL TOOLS ONLY. NOTHING IN THE SERVICE CONSTITUTES FINANCIAL, INVESTMENT, LEGAL, ACCOUNTING, OR TAX ADVICE. We are not a financial advisor, lender, credit counselor, or debt settlement company. You should consult a qualified professional before making financial decisions.

D. Federal Student Loans

Federal student loans may carry benefits — including income-driven repayment plans, forgiveness programs such as Public Service Loan Forgiveness, deferment, and forbearance — that are lost or reduced if loans are refinanced privately or repaid early. The Service may not identify every such benefit applicable to you. You should consult your loan servicer or a qualified advisor before accelerating repayment of, or refinancing, any federal student loan.

E. Your Decisions Are Your Own

You use the Service and rely on its output at your own risk.

4. Accounts and Eligibility

A. Registration

You must provide accurate, current, and complete information when creating an account and keep it updated. Providing false information may result in termination.

B. Age

You must be at least 18 years old. The Service is not intended for anyone under 18.

C. Credentials

You are responsible for maintaining the security of your account and for all activity that occurs under it. Notify us immediately at support@trykalco.com of any unauthorized use. We are not liable for losses arising from your failure to safeguard your credentials.

D. Non-Transferable

Your account and subscription may not be transferred or assigned.

E. Prohibited Conduct

You may not:

1. use the Service for any unlawful purpose;
2. copy, modify, reverse engineer, decompile, or disassemble any part of the Service;
3. remove or alter any proprietary notices;
4. probe, scan, or test the vulnerability of our systems, or breach any security or authentication measure;
5. use any robot, scraper, or automated process to access, index, or reproduce the Service;
6. access non-public areas of the Service or our infrastructure;
7. transmit any virus, worm, or other harmful code;
8. interfere with any other user’s use of the Service;
9. imply that any statement you make is endorsed by us without our written consent;
10. use or access the Service to build a competing product; or
11. violate any applicable law or these Terms.

5. Subscriptions, Billing, and Cancellation

A. Free and Paid Features

Some features of the Service are available at no cost. Access to additional features requires a paid subscription.

B. Automatic Renewal

YOUR SUBSCRIPTION AUTOMATICALLY RENEWS. When you subscribe, you authorize us and our payment processor to charge your payment method the applicable subscription fee at the start of each billing period, on a recurring basis, at the then-current price, until you cancel.

Before you are charged, we will clearly present: the subscription price, the billing frequency, the date of your first charge, and the fact that the subscription renews automatically until cancelled. You must affirmatively consent to these terms before any charge is made.

C. Confirmation

After you subscribe, we will send you an email confirming your subscription, its price and billing frequency, and instructions for cancelling.

D. Cancellation

You may cancel at any time directly in your account settings. Cancellation takes no more than a few clicks and does not require you to contact us, speak with anyone, or navigate any retention offers.

Cancellation takes effect at the end of your current billing period. You retain access to paid features until that period ends. To avoid being charged for the next period, cancel before the current period ends.

You may also cancel by emailing support@trykalco.com, though the self-service option is faster.

E. Refunds

Subscription fees are generally non-refundable. We may issue refunds at our discretion, and will do so where required by applicable law. If you believe you were charged in error, contact us at support@trykalco.com and we will review your request in good faith.

F. Price Changes

We may change subscription prices. If the price of your subscription increases, we will notify you in advance and give you the opportunity to cancel before the new price takes effect. Continued use after the effective date constitutes acceptance of the new price.

G. Failed Payments

If a payment fails, we may suspend access to paid features. We may receive updated payment card information from your card issuer and use it to prevent interruption of service.

H. Payment Processing

Payments are processed by Stripe, Inc. Your use of Stripe’s services is subject to Stripe’s terms and privacy policy at https://stripe.com/legal. We do not store your full payment card details.

I. App Store Purchases

If you purchase a subscription through the Apple App Store or Google Play, that subscription is managed by the applicable store. Cancellation and refunds must be handled through your account settings with that store, in accordance with its policies.

6. Electronic Communications

A. Consent

By using the Service, you consent to receive communications from us electronically, including by email and in-app notice. You agree that electronic communications satisfy any legal requirement that a communication be in writing.

B. Operational vs. Marketing

Some communications are necessary to provide the Service — account verification, security alerts, billing notices, and subscription confirmations. You cannot opt out of these while maintaining an account. You may opt out of marketing and promotional communications at any time using the unsubscribe link in any such email, or by emailing support@trykalco.com.

C. Notifications

If you enable push or email notifications, you may receive alerts about your accounts and progress. You can disable these in your settings or device preferences. Notifications may contain sensitive financial information.

D. Delivery

We cannot guarantee timely or accurate delivery of any notification. We are not liable for delays, failures, or errors in any notification, or for any action taken or not taken in reliance on one.

7. Term and Termination

A. Term

These Terms begin when you first access the Service and continue until terminated.

B. Termination by You

You may stop using the Service at any time and may delete your account through your settings. Deleting your account removes your data as described in our Privacy Policy.

C. Termination by Us

We may suspend or terminate your access at any time, with or without notice, for any reason, including suspected violation of these Terms. If we terminate a paid subscription without cause, we will refund the unused portion.

D. Survival

Sections 2.D, 3, 8, 9, 10, 11, 13, 16, 18, and 19–28 survive termination.

8. Ownership

The Service, including all software, content, design, and intellectual property, is owned by AB Technologies Holdings Corp and its licensors. It is licensed to you, not sold. You receive no rights other than those expressly granted in these Terms. Our trademarks and trade dress may not be used without our prior written consent.

9. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS. THE ENTIRE RISK AS TO QUALITY, PERFORMANCE, AND ACCURACY IS WITH YOU.

WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY OF INFORMATIONAL CONTENT, AND ABSENCE OF HARMFUL CODE.

WE DO NOT WARRANT THAT: (a) THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME; (b) ERRORS WILL BE CORRECTED; (c) THE SERVICE IS FREE OF HARMFUL COMPONENTS; OR (d) RESULTS OBTAINED FROM THE SERVICE WILL MEET YOUR REQUIREMENTS.

WE SPECIFICALLY DISCLAIM ANY WARRANTY REGARDING THE ACCURACY OF ACCOUNT DATA RETRIEVED FROM THIRD-PARTY DATA SOURCES, AND ANY WARRANTY REGARDING THE ACCURACY OF PAYOFF PROJECTIONS, INTEREST CALCULATIONS, AMORTIZATION SCHEDULES, OR OTHER OUTPUT OF THE SERVICE.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

(a) YOU ARE SOLELY RESPONSIBLE FOR YOUR USE OF THE SERVICE AND FOR ANY FINANCIAL DECISIONS YOU MAKE;

(b) OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (i) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (ii) ONE HUNDRED DOLLARS ($100); AND

(c) WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

11. Indemnification

You will defend, indemnify, and hold harmless AB Technologies Holdings Corp, its officers, directors, employees, agents, and service providers from any loss, damage, liability, claim, or expense (including reasonable attorneys’ fees) arising from: (a) your breach of these Terms; (b) your use of the Service; or (c) your violation of any law or third-party right.

We reserve the right to assume exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate.

12. Third-Party Services

The Service may contain links to, or integrate with, third-party websites, products, or services. We do not control these and are not responsible for their content, accuracy, policies, or practices. Inclusion does not imply endorsement.

If we ever receive compensation in connection with a third-party product or service offered through the Service, we will disclose that fact clearly at the point where the offer is presented.

Your use of any third-party service is governed by that party’s own terms and privacy policy. You are solely responsible for reviewing them.

13. Third-Party Disputes

Any dispute you have with a financial institution, data source, payment processor, or other third party arising from your use of the Service is directly between you and that party. You release us and our officers, directors, agents, and employees from all claims and damages of every kind arising out of or connected with such disputes.

14. Force Majeure

We are not liable for any delay or failure to perform resulting from causes beyond our reasonable control, including internet or network outages, third-party service failures, natural disasters, war, terrorism, epidemic, labor disputes, or governmental action.

15. Feedback

If you provide feedback about the Service, you assign to us all rights in that feedback, and we may use it without restriction or compensation.

16. Dispute Resolution and Arbitration

A. Agreement to Arbitrate

You and Kalco agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration rather than in court. This includes claims based in contract, tort, statute, fraud, or any other legal theory, whether arising during or after termination.

YOU AND KALCO ARE EACH WAIVING THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS OR COLLECTIVE ACTION.

B. Exceptions

Nothing here prevents either party from: (1) bringing an individual claim in small claims court; (2) seeking injunctive relief in court; or (3) filing suit to address intellectual property infringement.

C. Rules

Arbitration will be governed by the Federal Arbitration Act and administered by the American Arbitration Association under its Consumer Arbitration Rules, available at www.adr.org.

D. Notice and Process

Before initiating arbitration, the party seeking it must send written notice describing the dispute and the relief sought. Kalco’s address for notice is 2025 Riverside Drive STE 35189, Columbus, OH 43221, United States. The parties will attempt in good faith to resolve the dispute for 30 days after notice is received.

E. Fees

If your claim is for $15,000 or less, and you have complied with the notice requirement, we will pay all AAA filing and arbitrator fees unless the arbitrator finds your claim frivolous. For claims of $15,000 or less, you may choose whether arbitration is conducted on documents only, by telephone, or in person in the county of your billing address.

F. No Class Actions

The arbitrator may not consolidate more than one person’s claims and may not preside over any class or representative proceeding.

G. Changes

If we change this arbitration provision (other than our address for notice), you may reject the change by written notice to us within 30 days, in which case the prior version continues to apply.

H. Severability

If the class action waiver is found unenforceable, or if this Section 16 is found unenforceable in its entirety, then this Section 16 is void and Section 18 governs.

I. Opt Out

Arbitration is not mandatory. You may opt out of this Section 16 by emailing support@trykalco.com within 30 days of first accepting these Terms, stating your full name and your intent to opt out. Opting out will not affect your use of the Service in any way.

17. Cooperation with Authorities

We may cooperate with law enforcement and legal authorities in the investigation of suspected unlawful activity, and may disclose information as necessary to comply with applicable law, regulation, legal process, or governmental request, subject to our Privacy Policy.

18. Governing Law and Venue

These Terms are governed by the laws of the State of Delaware, excluding its conflict of law rules. To the extent any action is permitted to be brought in court, it will be subject to the exclusive jurisdiction of the state and federal courts located in Delaware, and you consent to personal jurisdiction there.

19. Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Kalco regarding the Service and supersede all prior communications.

20. Severability

If any provision of these Terms is held invalid or unenforceable, it will be modified to the minimum extent necessary, or severed, and the remainder will remain in full effect.

21. Relationship of the Parties

Nothing in these Terms creates any employment, agency, joint venture, or partnership relationship between you and Kalco, except for the limited agency described in Section 2.A.

22. Waiver

Our failure to enforce any right or provision is not a waiver of that right or provision.

23. Assignment

You may not assign or transfer these Terms without our written consent. We may assign these Terms at any time without your consent, including in connection with a merger, acquisition, or sale of assets.

24. Third-Party Beneficiaries

Provisions relating to the rights of our service providers are intended for their benefit, and they may enforce those provisions as third-party beneficiaries.

25. Export Controls

You represent that you are not located in a country subject to a U.S. Government embargo and are not listed on any U.S. Government list of prohibited or restricted parties.

26. Changes to These Terms

We may modify these Terms at any time. If a change is material, we will provide at least 15 days’ notice by email or prominent notice in the Service before it takes effect, and will update the “Last updated” date above.

If we ever begin offering services that move money on your behalf, or that involve new categories of data collection, we will obtain your separate, affirmative consent before enrolling you — continued use of the Service will not be treated as consent to such services.

Your continued use of the Service after other changes take effect constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Service.

27. Interpretation

Headings are for convenience only. “Including” means “including without limitation.”

28. Notice for California Users

Under California Civil Code Section 1789.3, California users are entitled to the following notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

29. Contact