Terms of Use

Last Updated: September 20, 2026

1. Acceptance of Terms

By accessing and using HKSmarTools (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.