Terms of Service

1. Purpose

These Terms of Service govern your use of Smart Tools Hub ("Service"), including all online calculators and related services provided through our website.

2. Definitions

1. "Service" refers to all calculator tools and related services provided through our website.
2. "User" refers to anyone who agrees to these Terms and uses the Service.
3. "Content" refers to all calculators, information, articles, and other materials provided by the Service.

3. Service Provision

1. The Service provides various online calculation tools including compound interest calculator, calorie calculator, and loan prepayment fee calculator free of charge.
2. The Service is available 24/7 in principle. However, it may be temporarily suspended for system maintenance or other necessary reasons.
3. The Service may be changed, suspended, or terminated without prior notice.

4. Accuracy of Calculations

5. User Obligations

Users must not:

• Use the Service for any illegal activities
• Steal or infringe upon others' information
• Interfere with the normal operation of the Service
• Copy, distribute, or commercially use Service content without authorization
• Attempt to hack or distribute malicious code through the Service

6. Intellectual Property

1. All content included in the Service (calculators, designs, text, images, code, etc.) is owned by us.
2. Users may only use the Service for personal, non-commercial purposes.
3. Content may not be copied, distributed, modified, or resold without our written consent.

7. Advertising

1. The Service may display advertisements to support its operation.
2. Advertisements are provided through third-party services such as Google AdSense.
3. Advertisers are responsible for their ad content, and we are not liable for any damages caused by advertisements.

8. Disclaimer

1. We are not responsible for service interruptions due to force majeure such as natural disasters, system failures, or server downtime.
2. We are not liable for damages arising from users' use of the Service unless due to our willful misconduct or gross negligence.
3. The final judgment regarding the reliability and accuracy of information provided by the Service lies with the user.

9. Changes to Terms

1. These Terms may be modified due to changes in relevant laws or service policies.
2. Changes to the Terms will be announced on the website.
3. If you do not agree to the modified Terms, you may discontinue use of the Service.

10. Governing Law

1. These Terms shall be governed by and construed in accordance with applicable laws.
2. Any disputes arising from the use of the Service shall be subject to the exclusive jurisdiction of the courts.

11. Contact

For any questions about these Terms, please contact us: