1. Company Information

Acalvo
3838 N Ravenswood Ave, Chicago, IL 60613
Phone: (888) 338-6461
Email: support@acalvo.com

2. Nature of Services

Acalvo operates a digital platform that provides users with budgeting tools, educational content, and personalized guidance related to everyday money management and saving habits. Our services are designed to help individuals build better financial routines through accessible, easy to understand resources.

3. Financial Disclaimer

Acalvo does not provide investment, tax, or legal advice, and nothing on our website or in our communications should be construed as such. All content is offered for general informational and educational purposes only. Users should consult a licensed financial, tax, or legal professional before making decisions based on information obtained through our services.

4. Intellectual Property

All content, trademarks, logos, and materials available through our services are the property of Acalvo or its licensors and are protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any content without our prior written consent.

5. SMS Messaging – Promotional Marketing Only

By opting in to receive promotional text messages from Acalvo, you agree to receive recurring automated marketing messages at the mobile number provided. Consent to receive these messages is not a condition of any purchase. Message frequency varies. Message and data rates may apply.

• To stop receiving messages at any time, text STOP to [INSERT SHORT CODE]. For assistance, text HELP to [INSERT SHORT CODE] or contact us using the information below.

This service is supported by the following carriers: AT&T, T-Mobile, Metro PCS, Verizon Wireless, US Cellular, Google Voice, Cellular One, Cellcom, Cellular South, Interop, and Clearsky. Carriers are not liable for delayed or undelivered messages.

6. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

7. Limitation of Liability

To the fullest extent permitted by law, Acalvo shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services.

8. Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to its conflict of law principles.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of our services after changes are posted constitutes acceptance of the revised Terms.

10. Contact Information

Questions about these Terms may be directed to us at (888) 338-6461 or support@acalvo.com.