Terms of Service

Acceptance of Terms

By accessing and using Karmaculator (karmaculator.com), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the website.

Use of the Website

Karmaculator provides free utility calculators for informational and educational purposes. You may use the website for personal, non-commercial purposes. You agree not to use the website for any unlawful purpose or in any way that could damage, disable, or impair the website.

Purchases and Paid Reports

Karmaculator offers a free Vedic Snapshot delivered by email at no cost, along with optional paid reports. Three paid PDF reports are available: the Karma Report, Life Codex, and Career Dharma Report. Each is priced in your local currency and delivered digitally to your email address immediately upon payment. Prices are displayed at checkout and are final at the time of purchase.

Payments are processed by Stripe, Inc. under their own Terms of Service. We do not store your payment card details.

All paid reports are delivered digitally and instantly upon payment confirmation. Due to the nature of instant digital delivery, refunds are not available once the report has been sent to your email address. If you experience a technical issue preventing delivery, contact us at hello@karmaculator.com and we will resolve it.

Paid reports are generated using artificial intelligence based on your birth chart data. They are intended for self-reflection and personal development only and are not a substitute for professional career, medical, legal, or financial advice.

All reports, free and paid, are provided for self-reflection and educational purposes only. They do not constitute medical, financial, legal, or professional advice of any kind. The same disclaimer that applies to our free tools applies equally to the paid reports.

Accuracy of Information

The calculators and tools on Karmaculator are designed to provide accurate results based on the formulas and methods described. However, all results are provided for informational purposes only and should not be considered professional medical, financial, legal, or spiritual advice.

Numerological, astrological, and metaphysical interpretations are provided for entertainment and self-reflection purposes. They do not constitute predictions, guarantees, or professional advice of any kind.

Health calculations (BMI, BMR, etc.) are screening tools only and do not constitute medical diagnosis or advice. Always consult a qualified healthcare provider for medical decisions.

Financial calculations are informational tools only and do not constitute financial advice. Always consult a qualified financial advisor for financial decisions.

Intellectual Property

All content on Karmaculator, including text, calculations, design, and code, is owned by Karmaculator and protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without explicit written permission. Generated report PDFs are licensed for your personal use only and may not be resold or redistributed.

Limitation of Liability

Karmaculator is provided "as is" without warranties of any kind. We are not liable for any damages arising from your use of the website or reliance on its content. This includes but is not limited to financial losses, health decisions made based on calculator results, or decisions made based on numerological or astrological interpretations.

Third-Party Advertising

Karmaculator displays third-party advertisements through Google AdSense and potentially other networks. We are not responsible for the content of these advertisements. Clicking on advertisements may take you to third-party websites governed by their own terms and privacy policies.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the new terms.

Governing Law

These terms are governed by and construed in accordance with applicable laws. Any disputes arising from these terms or your use of the website shall be subject to the exclusive jurisdiction of the relevant courts.