Welcome to Karma Tech Limited (“Website”). By accessing or using our website and digital products, you agree to comply with the following Terms of Use. If you do not agree with these terms, please do not use our website.

1. Use of Digital Products

The digital products, including payroll templates, calculators, and guides, are for personal or business use only. Redistribution, resale, or modification for commercial purposes is strictly prohibited.

2. Intellectual Property

All content, including templates, text, and graphics, is the intellectual property of Karma Tech Limited. Unauthorized reproduction or distribution is not allowed.

3. User Responsibilities

Users are responsible for ensuring the accuracy of data entered into templates. We are not liable for errors resulting from incorrect data input.

4. Limitation of Liability

We do not guarantee the completeness, accuracy, or reliability of our products. Our website and digital products are provided “as is,” and we are not liable for any damages resulting from their use.

5. Changes to Terms

We reserve the right to update these terms at any time. Continued use of the website after changes constitutes acceptance of the updated terms.