English legal text. If wording differs, the Chinese version remains authoritative.
1. General
KaWaTool provides tools and content “as is”. We try to keep them accurate, but do not guarantee that any tool, number, rate, copy, or third-party data is always correct, timely, complete, or suitable for your purpose.
All calculations, quiz results, and entertainment content are for entertainment and general reference only. They have no legal effect and are not professional investment, tax, accounting, insurance, medical, religious, or legal advice. For important decisions, consult qualified professionals and rely on official notices, contracts, and financial institution terms.
2. Finance & calculators
Mortgage, tax, insurance, overtime, and similar estimators use simplified assumptions. Banks, tax offices, and employers may use different rules. Results are not loan offers or tax filings.
3. Entertainment content
Fortune sticks, personality quizzes, and similar features are entertainment. Do not treat them as destiny, diagnosis, or professional counseling.
4. Exam names & trademarks (TOEIC / TOEFL)
Some pages collect independent study notes about TOEIC, TOEFL, and similar language tests for personal learning only.
5. Contact
Questions: Contact. Chinese disclaimer: /disclaimer.