Terms of Service

1. Acceptance of Terms

By accessing or using keldorax.com (the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Platform.

These Terms apply to all visitors and users of the Platform, regardless of location.

2. Nature of the Platform

Keldorax is an independent, non-commercial analytical and educational platform. We provide informational content about the financial lives of households in various countries around the world. We do not provide any paid services, products, subscriptions, or financial instruments of any kind.

All content on the Platform is published for general informational and educational purposes only.

3. No Financial Advice

You should not make any financial, investment, or economic decision based solely on information found on this Platform. Always consult a qualified and licensed professional (such as a financial adviser, accountant, or lawyer) before making significant financial decisions.

We expressly disclaim any liability for decisions made in reliance on the content of this Platform.

4. Content and Data Accuracy

We make reasonable efforts to ensure the accuracy and currency of the data and analysis on the Platform. However, we cannot guarantee that all information is current, complete, or free from errors.

Country data and index scores are derived from publicly available third-party sources (including the World Bank, IMF, OECD, and national statistics agencies). We do not independently verify all underlying data. Figures should be treated as informed estimates rather than definitive measurements.

We reserve the right to update, correct, or remove content at any time without notice.

5. Intellectual Property

All original content on the Platform — including text, design, graphics, layout, the Household Resilience Index methodology, and associated data compilations — is the intellectual property of Keldorax and is protected by applicable copyright laws.

You are permitted to share, quote (with attribution), or link to our content for non-commercial, educational, journalistic, or research purposes, provided that keldorax.com is clearly credited as the source.

Reproduction, republication, or commercial use of substantial portions of our content without prior written permission is prohibited. To request permissions, contact info@keldorax.com.

6. Permitted Use

You may use the Platform for:

• Personal, non-commercial research and education
• Academic study and citation (with attribution)
• Journalistic reporting (with attribution)
• Policy research and analysis
• General information gathering

7. Prohibited Use

You must not:

• Use the Platform for any unlawful purpose
• Systematically scrape, harvest, or republish the Platform's content without permission
• Attempt to gain unauthorized access to any part of the Platform's systems
• Use the Platform to transmit spam, malware, or any harmful content
• Misrepresent our data as official government statistics or professional financial advice
• Use our content for commercial gain without written permission

8. External Links

The Platform may contain links to external websites for reference purposes. We do not control, endorse, or take responsibility for the content of any external sites. Visiting external links is entirely at your own risk.

9. Disclaimers

The Platform and all content within it are provided "as is" without any warranty, express or implied, including but not limited to warranties of accuracy, completeness, fitness for a particular purpose, or non-infringement.

We do not warrant that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Keldorax and its contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Platform or its content — including but not limited to financial losses, loss of data, or loss of profits.

11. Changes to These Terms

We may update these Terms of Service from time to time. We will update the "last updated" date when we do so. Continued use of the Platform following any changes constitutes your acceptance of the revised Terms.

12. Contact

If you have questions about these Terms, please contact us:

Email: info@keldorax.com
Website: keldorax.com