Kalvo Terms of Service

Last updated: May 4, 2026

These Terms of Service ("Terms") govern your access to and use of the Kalvo website, dialer application, and related services (collectively, the "Services"), provided by Kalvo ("Kalvo", "we", "us", or "our"). By accessing or using the Services, by clicking "I Agree", or by creating an account, you ("Customer", "you", or "your") agree to be bound by these Terms, the Privacy Policy, the Acceptable Use Policy, the Calling Policy, the Cookie Policy, and the Data Processing Addendum (together, the "Agreement"). If you do not agree, do not use the Services.

PLEASE READ CAREFULLY. THESE TERMS CONTAIN PROVISIONS THAT LIMIT KALVO'S LIABILITY, REQUIRE YOU TO INDEMNIFY KALVO (INCLUDING FOR TELEMARKETING, DO-NOT-CALL, AND RELATED VIOLATIONS), AND GOVERN HOW DISPUTES ARE RESOLVED.

1. Eligibility and accounts

1.1 You must be at least 18 years old and have the legal capacity to enter into a binding contract in your jurisdiction.

1.2 If you use the Services on behalf of an organization, you represent that you have authority to bind that organization, and "you" includes that organization.

1.3 You will provide accurate registration information, keep it current, keep your credentials secure, and notify us at legal@kalvo.io of any unauthorized use. You are responsible for all activity under your account.

1.4 We may refuse, suspend, or terminate any account at our sole discretion, including without notice for breach of this Agreement, suspected fraud, or risk of legal exposure to Kalvo.

2. The Services

2.1 Subject to the Agreement, Kalvo grants you a limited, non-exclusive, non-transferable, revocable license to use the Services. We reserve all rights not expressly granted.

2.2 Kalvo may modify, suspend, or discontinue any part of the Services at any time. We will use reasonable efforts to give advance notice of material changes via email or in-app notice.

2.3 The Services depend on third-party providers, including Twilio for telephony. Outages or changes by those providers may affect the Services and are not Kalvo's responsibility.

3. Customer obligations

3.1 You are solely responsible for all calls, messages, contact lists, and content originated, transmitted, stored, or received through your account ("Customer Data"). As between you and Kalvo, you are the initiator and sender of every call placed through the Services, and Kalvo acts only as a passive conduit and software provider.

3.2 You will at all times comply with all applicable laws, including without limitation: (a) Canada: CASL; the Telecommunications Act and CRTC Unsolicited Telecommunications Rules; PIPEDA; Quebec Law 25; the Criminal Code of Canada (including s. 184); and provincial consumer-protection and collection laws; (b) United States: TCPA; TSR; Truth in Caller ID Act; CAN-SPAM; FCC/FTC rules and STIR/SHAKEN; federal and state Do-Not-Call registries; and state mini-TCPA, recording, and consumer-protection laws; (c) United Kingdom and EEA: PECR, UK GDPR, EU GDPR, and the e-Privacy Directive; (d) any other applicable law where you, your organization, or any Recipient is located (collectively, the "Calling Laws"). The Acceptable Use Policy and Calling Policy are part of this Agreement.

3.3 You represent and warrant that for every call placed through the Services you (and not Kalvo): (a) have obtained all consents required under applicable law; (b) have scrubbed your list against every applicable Do-Not-Call registry, including the Canadian National DNCL, the US National DNC Registry, applicable state DNC registries, and your internal DNC list, within required time windows; (c) are calling within permitted hours; (d) transmit accurate caller ID; and (e) identify yourself, the entity on whose behalf you are calling, and a callback number as required by the CRTC Rules and similar laws.

3.4 You will not use the Services for prohibited activities listed in the Acceptable Use Policy.

4. Customer data

4.1 You retain ownership of Customer Data. You grant Kalvo a worldwide, non-exclusive, royalty-free license to host, copy, transmit, display, and process Customer Data solely as necessary to provide the Services and as described in the Privacy Policy and Data Processing Addendum.

4.2 You represent and warrant that you have all rights, consents, and authority necessary to use Customer Data through the Services, and that doing so does not violate any law or infringe any third-party right.

5. Fees and payment

5.1 Fees, billing cycles, and refunds (if any) are as described at checkout or in your order form. Fees are non-refundable except as required by law.

5.2 You authorize Kalvo and Stripe to charge your payment method. We may suspend the Services if payment fails.

5.3 You are responsible for all taxes other than taxes on Kalvo's net income.

6. Intellectual property

6.1 The Services and Kalvo Materials are owned by Kalvo and its licensors. No rights are granted except the limited license above.

6.2 Feedback you provide may be used by Kalvo without obligation to you.

7. No emergency services

THE SERVICES ARE NOT INTENDED FOR EMERGENCY CALLS TO 911, 999, OR 112. KALVO IS NOT LIABLE FOR ANY CLAIM ARISING FROM INABILITY TO PLACE EMERGENCY CALLS.

8. Indemnity

You will defend, indemnify, and hold harmless Kalvo and its officers, directors, employees, contractors, and affiliates from any claims, regulatory investigations, fines, penalties, losses, damages, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the Services; (b) your breach of this Agreement; (c) any call or communication initiated through your account, including TCPA, CAN-SPAM, CRTC Rules, CASL, PECR, Truth in Caller ID, DNC registry, or wiretap/recording claims; (d) Customer Data; (e) your violation of law; or (f) third-party use of your account. This indemnity survives termination.

9. No warranty

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND TO THE MAXIMUM EXTENT PERMITTED BY LAW.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KALVO WILL NOT BE LIABLE FOR INDIRECT, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES. KALVO'S TOTAL LIABILITY WILL NOT EXCEED THE GREATER OF CAD $100 OR THE FEES YOU PAID TO KALVO IN THE 12 MONTHS BEFORE THE CLAIM. Some jurisdictions do not allow certain exclusions; in those cases some limitations may not apply. They do not limit your indemnity in Section 8.

11. Term and termination

You may terminate by deleting your account. Kalvo may suspend or terminate for breach, regulator complaint, Twilio escalation, or legal risk. Surviving sections include indemnity, limitation of liability, and governing law.

12. Governing law; disputes

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there. The courts of Toronto, Ontario have exclusive jurisdiction, except Kalvo may seek injunctive relief elsewhere. Disputes require 30 days of good-faith negotiation before litigation.

13. Miscellaneous

We may modify these Terms with notice. Notices to Kalvo: legal@kalvo.io. This Agreement is the entire agreement regarding the Services.

CONTACT: Kalvo — legal@kalvo.io