1. General
All calculators on toolcool aggregate publicly available formulas. **Results are for reference only and do not constitute financial, tax, medical, legal or educational advice**, nor can they replace advice from qualified professionals.
2. Financial / Loan
Mortgage, prepayment, housing-fund and interest tools use standard equal-payment/equal-principal formulas with user-provided inputs. Actual payments follow the bank's system; early-repayment fees, overdue penalties, FX movements are out of scope.
3. Tax
Income-tax / year-end bonus / social-security calculators reflect laws and regional conventions as of 2026-04. Tax rules and bases change periodically; your employer payroll system or tax authority assessment prevails.
4. Health
BMI / BMR / due-date tools reference WHO, Chinese NHC and OB/GYN formulas. **Results are not a medical diagnosis.** Pregnant, lactating, pediatric, elderly or chronic-condition users should consult a physician.
5. Data safety
File-processing utilities run locally; files are not uploaded. Calculators collect no personal data. See Privacy Policy.
6. Use restrictions
Do not use these tools for illegal purposes (e.g. forging financial or medical documents). Users are solely responsible for consequences.