Legal Notice

Last updated: March 2025

1. Imprint

In accordance with Finnish law and the EU e-Commerce Directive, we provide the following information about the operator of this website:

2. Disclaimer

2.1 Informational Purposes Only

This website is provided for general informational purposes only. The content on this site does not constitute professional advice of any kind, including but not limited to financial, investment, legal, tax, or technical advice.

2.2 Product in Development

Kalatori is currently in development. Features, functionality, pricing, timelines, and other details described on this website represent our current plans and intentions, but are subject to change without notice. Nothing on this website constitutes a commitment, guarantee, or promise regarding the availability, functionality, or performance of any product or service.

2.3 No Financial or Investment Advice

Nothing on this website should be construed as financial or investment advice. Cryptocurrency and digital asset transactions involve significant risks, including but not limited to price volatility, regulatory uncertainty, and potential loss of funds. You should consult qualified professional advisors before making any financial decisions.

2.4 No Legal Advice

The information provided on this website does not constitute legal advice. Regulatory requirements for cryptocurrency and payment services vary by jurisdiction. You should consult qualified legal counsel regarding compliance with applicable laws and regulations in your jurisdiction.

2.5 Technical Infrastructure Provider

Kalatori provides technical infrastructure for payment processing. We do not custody funds, provide exchange services, or act as a crypto-asset service provider (CASP) as defined under the EU Markets in Crypto-Assets Regulation (MiCA) or similar regulatory frameworks. Merchants using Kalatori operate their own instances and maintain control of their own cryptographic keys and funds.

2.6 Accuracy of Information

While we strive to keep the information on this website accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on this website.

2.7 Third-Party Links

This website may contain links to external websites or resources. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

2.8 Limitation of Liability

To the fullest extent permitted by applicable law, Kalapaja Oy and its directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of, or inability to use, this website or any information contained herein.

3. No Offer or Solicitation

3.1 Not an Offer

Nothing on this website constitutes an offer to sell, or a solicitation of an offer to buy, any security, token, investment product, or financial instrument in any jurisdiction.

3.2 No Solicitation

This website does not constitute a solicitation for investment in Kalapaja Oy or any affiliated entity. No offer or solicitation will be made in any jurisdiction where such offer or solicitation would be unlawful or where the person making such offer or solicitation is not qualified to do so.

3.3 Informational Only

Any information about Kalatori's business model, product development, market opportunity, strategic plans, or fundraising activities is provided for informational purposes only. Such information should not be relied upon as a basis for any investment decision.

3.4 Investor Inquiries

If you are a potential investor seeking information about Kalatori Oy, please contact us directly at investors@kalapaja.fi.Any investment offering will be made only through appropriate offering documents that comply with applicable securities laws, and only to persons who qualify under those laws.

3.5 Geographic Restrictions

The information on this website is not directed at, and is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to local law or regulation.

4. Forward-Looking Statements

4.1 Forward-Looking Statements

This website contains forward-looking statements regarding Kalatori's business, products, technology, market opportunity, competitive position, and strategic plans. Forward-looking statements may include words such as "will," "expect," "plan," "intend," "anticipate," "believe," "target," "roadmap," or similar expressions.

4.2 Risks and Uncertainties

Forward-looking statements involve known and unknown risks, uncertainties, and assumptions. Actual results, performance, or outcomes may differ materially from those expressed or implied by forward-looking statements due to various factors, including but not limited to:

• Changes in technology, market conditions, or competitive landscape.
• Regulatory developments affecting cryptocurrency, payments, or financial services.
• Delays or changes in product development, including third-party integrations.
• Availability of funding, partnerships, or strategic relationships.
• Changes in key personnel or organizational capabilities.
• General economic conditions and market acceptance of our products.
• Cybersecurity incidents or technical failures.

4.3 No Obligation to Update

Kalatori undertakes no obligation to publicly update or revise any forward-looking statements to reflect events, circumstances, or new information after the date of this website, except as required by applicable law. You should not place undue reliance on forward-looking statements.

4.4 No Guarantee

Forward-looking statements do not constitute a guarantee, promise, or commitment regarding future performance, availability, or functionality of any product or service. Past performance is not indicative of future results.

5. Contact Information

If you have any questions about this Legal Notice, our Privacy Policy, or wish to exercise your data protection rights, please contact us:

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