Terms of Use

1. Acceptance of Terms

By accessing and using MySmartCalculators ("the Service"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Service.

2. Nature of the Service

The calculators and tools provided on this website are for informational and educational purposes only. They do not constitute:

• Legal advice or an attorney-client relationship
• Medical advice or a doctor-patient relationship
• Financial advice or an advisor-client relationship
• Insurance advice or an agent-client relationship

3. No Professional Relationship

Use of this website does NOT create any professional relationship including, but not limited to, attorney-client, doctor-patient, or advisor-client relationships. We are not licensed professionals. Always consult with qualified, licensed professionals before making important decisions.

4. Accuracy Disclaimer

While we strive to provide accurate calculations based on publicly available formulas and government data:

• All results are estimates only
• Data is based on projected 2026 information
• We do NOT guarantee real-time accuracy or updates following legislative changes
• Actual outcomes may vary significantly based on individual circumstances

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MYSMARTCALCULATORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE OR RELIANCE ON ANY CALCULATION RESULTS.

7. Arbitration

Before initiating any legal action, you agree to first attempt to resolve any dispute through good-faith negotiation and, if necessary, through binding arbitration in Seoul, Republic of Korea, rather than in court.

8. Indemnification

You agree to indemnify and hold harmless MySmartCalculators from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

9. Modifications

We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms.

10. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

11. Contact

Questions about these Terms should be directed to: Contact Page

12. Trademark Notice

All product names, logos, brands, and trademarks mentioned on this website are property of their respective owners. This includes, but is not limited to: pharmaceutical products, medical devices, insurance companies, and any other branded products or services.

Use of these names, logos, and brands does not imply endorsement, sponsorship, or affiliation with MySmartCalculators.

THIS WEBSITE IS NOT AFFILIATED WITH, SPONSORED BY, OR ENDORSED BY ANY OF THE COMPANIES, PRODUCTS, OR SERVICES MENTIONED.

13. Service Owner and Notice Channel

This website is operated under the MySmartCalculators service brand. Formal notices and compliance-related inquiries can be submitted via contact@mysmartcalculators.com.

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