Terms of Use

1. What These Terms Cover

These Terms of Use apply to your use of Kol Shekel, an online planning tool that helps people estimate the possible cost of living in Israel and prepare an approximate aliyah or relocation budget.

By accessing, signing in to, or using Kol Shekel, you agree to these Terms of Use. If you do not agree to these Terms, please do not use the website or the service.

2. What Kol Shekel Is

Kol Shekel is a lifestyle-based budget planning tool for people considering aliyah, relocation to Israel, or life in Israel.

The service may help users estimate:

• monthly living expenses in Israel
• recommended net household income
• suggested savings before moving
• possible first-month and setup costs
• general aliyah or relocation readiness information

Kol Shekel is intended to be a simple planning aid, not a detailed accounting tool. The product is designed to provide quick estimates and relocation planning guidance, not perfect precision.

3. Not Financial, Legal, Tax, Immigration, or Professional Advice

Kol Shekel does not provide financial advice, legal advice, tax advice, immigration advice, investment advice, or professional relocation consulting.

All calculations, estimates, reports, recommendations, and explanations are provided for general informational and planning purposes only.

You should not make major financial, legal, tax, immigration, employment, housing, or relocation decisions based only on Kol Shekel. Before making important decisions, you should verify information independently and consult qualified professionals where needed.

4. Estimates Are Approximate

Kol Shekel provides estimates based on assumptions, available data, lifestyle inputs, city selections, and calculation logic.

Actual costs may be higher or lower depending on many factors, including:

• neighborhood
• apartment condition
• family needs
• exchange rates
• salary and tax situation
• lifestyle choices
• school or childcare costs
• transportation habits
• health insurance and medical needs
• personal debt or obligations
• market changes
• inflation
• one-time relocation costs

Kol Shekel does not guarantee that the estimates shown will match your real expenses in Israel.

5. Supported Countries and International Use

Kol Shekel is intended for users from different countries, including Israel, the United States, Europe, and countries of the former USSR.

However, the service is focused on estimating costs related to living in Israel. Availability, features, currencies, language options, payment options, and legal rights may vary depending on your location.

You are responsible for making sure that your use of the service is allowed under the laws that apply to you.

6. Accounts and Sign-In

Some features may require sign-in, such as saving estimates, revisiting previous calculations, downloading reports, or accessing full results.

You may be able to sign in using third-party providers such as Google or other available sign-in options.

You are responsible for keeping access to your account secure. If you believe your account was accessed without permission, contact us.

Kol Shekel may suspend, restrict, or remove access to accounts if we believe the service is being misused or if continued access may create legal, security, operational, or abuse-prevention risks.

7. Newsletter and Product Communications

By creating an account, signing in, or using the service, you may receive service-related messages, such as account notices, login messages, security alerts, saved-estimate updates, or important product information.

Where permitted by applicable law, you also agree that we may send you occasional planning updates, product news, educational content, feature announcements, and marketing communications related to Kol Shekel.

Where the law requires separate consent for marketing emails, we will only send marketing emails if you provide that consent, for example by selecting a newsletter checkbox.

You can unsubscribe from marketing emails at any time by using the unsubscribe link in the email or by contacting us. Unsubscribing from marketing emails does not stop necessary service-related messages.

8. Secondary Currency and Exchange Rates

Kol Shekel may allow users to view estimates in a secondary currency.

Currency conversions are approximate and may be based on third-party exchange-rate data, stored exchange rates, or manually configured rates.

Currency values are provided for convenience only. They may not match the rate used by your bank, credit card provider, money-transfer service, employer, or tax authority.

9. Saved Estimates and Reports

Kol Shekel may allow users to save estimates, revisit calculations, or download reports.

Saved estimates and reports are based on the information you provide and the assumptions available at the time the estimate is created.

If pricing data, calculation logic, assumptions, or exchange rates change later, your saved estimate or downloaded report may become outdated.

We may update, modify, remove, or limit saved-estimate and report features at any time.

10. User Responsibility

You are responsible for the information you enter into Kol Shekel and for how you use the results.

You agree not to enter information that you do not have permission to use.

You should avoid entering highly sensitive information into the service, including:

• passport numbers
• national ID numbers
• bank account details
• credit card numbers
• medical information
• confidential legal documents
• private immigration case documents
• passwords
• information about other people without permission

11. Acceptable Use

You agree not to:

• use the service for unlawful purposes
• interfere with or disrupt the service
• attempt to gain unauthorized access to the service or its systems
• copy, scrape, harvest, or extract data from the service without permission
• reverse engineer the service except where the law clearly allows it
• submit harmful, abusive, fraudulent, misleading, or illegal content
• use automated systems, bots, or scripts to overload or abuse the service
• impersonate another person
• attempt to bypass sign-in, paywalls, usage limits, or access restrictions
• use the service in a way that harms Kol Shekel, other users, or third parties

12. No Guarantee of Availability

Kol Shekel may be changed, updated, interrupted, limited, or discontinued at any time.

We do not guarantee that the website or service will always be available, error-free, secure, complete, or uninterrupted.

Some features may be experimental, incomplete, or changed based on user feedback and product development.

13. Beta or MVP Status

Kol Shekel may be offered as an MVP, beta, early-access, or experimental service.

This means the product may contain bugs, incomplete features, changing calculations, limited city coverage, or changing assumptions.

Features, pricing data, calculations, reports, sign-in options, account features, and content may be updated, removed, or changed at any time.

14. Data Sources and Methodology

Kol Shekel may use a combination of public data, market research, manually collected estimates, third-party sources, user feedback, and internal assumptions.

The service is not required to disclose every data source, formula, coefficient, or internal calculation method.

We may update the methodology over time to improve accuracy, usability, and user experience.

15. Immigrant Benefits and Government Information

Kol Shekel may include general information about possible aliyah-related benefits, discounts, or support programs.

This information is provided for general awareness only.

Eligibility for any benefit, discount, payment, tax treatment, government program, or immigration status depends on official rules and your personal situation.

Kol Shekel is not affiliated with the Israeli government, the Jewish Agency, Nefesh B'Nefesh, Misrad HaPnim, Bituach Leumi, the Ministry of Aliyah and Integration, or any other government authority unless clearly stated otherwise.

You should always verify benefit eligibility and official requirements with the relevant official authority.

16. Privacy

Your use of Kol Shekel is also subject to the Privacy Policy, which explains what information may be collected, how it may be used, how long it may be kept, and how you can contact us about privacy-related requests.

The Privacy Policy should be read together with these Terms of Use.

17. Third-Party Services

Kol Shekel may rely on third-party services for hosting, authentication, analytics, advertising, database services, email delivery, payment processing, AI processing, exchange-rate data, or other operational needs.

We are not responsible for third-party websites, platforms, policies, errors, outages, or services that we do not control.

If you use a third-party sign-in provider, payment provider, email provider, or other external service, your use may also be subject to that third party's terms and privacy policy.

18. Payments, Donations, and Paid Features

Kol Shekel may offer optional paid features, donations, subscriptions, one-time payments, downloadable reports, or premium access in the future.

If payments are introduced, payment terms, prices, refund rules, taxes, and billing details may be provided separately at the point of purchase.

Unless otherwise stated, paid features and donations are not financial advice, legal advice, tax advice, immigration advice, or professional consulting.

19. Feedback

If you send feedback, suggestions, ideas, bug reports, survey answers, or comments, we may use them to improve Kol Shekel without any obligation to compensate you.

You agree that feedback you submit may be used for product development, research, troubleshooting, marketing improvement, UX improvement, and service quality improvement.

20. Intellectual Property

Kol Shekel, including its design, text, branding, calculations, reports, software, layouts, graphics, user interface, and other content, is owned by us or licensed to us, unless otherwise stated.

You may use the service for personal planning purposes.

You may not copy, reproduce, distribute, sell, publish, modify, or create derivative works from Kol Shekel without permission, except where the law clearly allows it.

21. Disclaimer

Kol Shekel is provided "as is" and "as available."

To the maximum extent permitted by applicable law, we do not make warranties or promises that:

• the service will be accurate
• the estimates will match your real costs
• the service will be available at all times
• the service will be secure or error-free
• the service will meet your expectations
• the data will always be current
• the reports will be suitable for any official, legal, financial, tax, immigration, or professional purpose

22. Limitation of Liability

To the maximum extent permitted by applicable law, Kol Shekel and its owners, operators, contractors, service providers, and partners will not be liable for indirect, incidental, special, consequential, punitive, or similar damages arising from or related to your use of the service.

This includes, without limitation, damages related to:

• relocation decisions
• financial decisions
• employment decisions
• housing decisions
• immigration decisions
• tax decisions
• reliance on estimates
• inaccurate or outdated information
• service interruptions
• loss of data
• unauthorized access
• third-party services

Where liability cannot be excluded under applicable law, liability will be limited to the maximum extent allowed by law.

23. Indemnity

To the extent permitted by applicable law, you agree to be responsible for claims, losses, damages, liabilities, costs, or expenses arising from:

• your use of the service
• your violation of these Terms
• information you submit
• your misuse of the service
• your violation of any law or third-party rights

24. Changes to These Terms

We may update these Terms of Use from time to time.

The updated version will be posted on this page with a new effective date.

Your continued use of Kol Shekel after the Terms are updated means you accept the updated Terms.

25. Contact

If you have questions about these Terms of Use, contact us at:

Email: [add email later]

Website: [add domain later]