All calculation results provided by the Company are for reference and educational purposes only and are not a substitute for professional advice (financial, legal, medical, tax, etc.). Users should consult a qualified professional before relying on any result for final decisions.

While we strive for accuracy, reliability, and timeliness, we provide the Service \"as is\" and make no express or implied warranties regarding:

• The accuracy of calculation results (input errors, rounding, external data changes, etc.)
• Any direct or indirect damages arising from use of the Service (lost profits, investment losses, etc.)
• The content or transactions of third-party advertisements or linked sites

All content within the Service (text, formulas, design, software) is owned by the Company or its lawful licensors. Users may use the Service only within its ordinary scope and may not copy, redistribute, or use it commercially without permission.

• Interfering with the normal operation of the Service or exploiting vulnerabilities
• Abnormal access or excessive requests via automated tools
• Identity theft or any act violating applicable laws

The Service may include advertising and analytics features provided by third parties such as Google AdSense. Such third-party services are governed by their own policies, for which the Company is not responsible.

We may modify these Terms as required by law or service operation, with prior notice on the website. Continued use of the Service after changes constitutes acceptance of the revised Terms.

These Terms are governed by and construed in accordance with the laws of the Republic of Korea, and disputes relating to the Service fall under the jurisdiction of the courts located at the Company's principal place of business.