Terms of Use
1. Acceptance of Terms
By accessing and using HK Smart Tools (hksmarttools.com), you agree to comply with and be bound by these Terms of Use. If you do not agree, please do not use this platform.
2. Educational & Informational Purpose Only
All calculators, converters, and utilities provided on HK Smart Tools are offered for general informational, computational, and educational purposes. While we strive to ensure that all formulas and code implementations are mathematically sound:
- Financial Tools: Calculations (e.g. loan payments, mortgages, compound interest) are estimates and do not constitute formal financial, investment, or legal advice. Commercial lending rates, origination charges, and taxes may vary.
- Health Tools: Health calculators (e.g. BMI, BMR) are statistical estimates and do not replace professional medical evaluations, diagnoses, or clinical consultations.
3. Intellectual Property
All original platform design elements, vector branding, CSS styling, software code, and educational explanations on HK Smart Tools are the property of HK Smart Tools and are protected by applicable copyright and intellectual property laws.
4. Limitation of Liability
In no event shall HK Smart Tools or its operators be held liable for any damages, financial losses, or errors resulting from the use or inability to use the tools on this website.
5. Modifications to Terms
We reserve the right to review and revise these Terms of Use at any time to reflect software updates, legal requirements, or platform enhancements. Updated terms will be published directly on this page with an updated revision date.
6. Contact Us
If you have questions regarding these Terms of Use, contact our team at support@hksmarttools.com or via our Contact Page.