Disclaimer

1. General Information Only

PHK publishes articles, guides, practical tips, product-related information, and other resources to help visitors explore topics and make informed decisions. We aim to provide useful information, but we do not guarantee that every page is complete, accurate, current, or suitable for your particular circumstances.

Content may become outdated, and errors or omissions may occur. You are responsible for evaluating information before using it and for independently verifying details that matter to you.

2. No Professional Advice

Unless a page expressly states otherwise, PHK content is not professional advice and should not replace advice from a qualified professional who understands your circumstances. This includes, where relevant, medical, health, legal, financial, tax, safety, or other specialized advice.

If you have a health concern, urgent safety issue, legal question, or financial decision with significant consequences, consult an appropriately qualified professional or official source.

3. Tools, Calculators, and Generated Results

PHK may offer calculators, converters, generators, business tools, templates, educational resources, and games. Their outputs are based on the information you enter and the methods or assumptions used by each tool.

• Results may be estimates, simplified calculations, or examples rather than definitive answers.
• Check inputs, formulas, units, assumptions, and results before using them.
• Do not rely solely on a PHK tool for high-impact financial, legal, medical, engineering, or safety-critical decisions.
• PHK does not guarantee that every tool will be continuously available, error-free, or suitable for every use.

4. Product Information, Prices, and Availability

PHK may publish product descriptions, buying guides, category pages, recommendations, or links to products listed by third-party sellers and marketplaces, including Shopee. Product details, prices, discounts, shipping costs, stock, specifications, seller terms, and promotions may change at any time.

Always confirm the current listing details and total purchase cost on the seller’s or marketplace’s website before ordering. The information on PHK may not reflect the latest offer or the exact terms available to you.

Unless expressly stated otherwise, PHK is not the seller or manufacturer of products linked from this website and cannot guarantee product quality, authenticity, safety, performance, delivery, or after-sales service.

5. Affiliate Disclosure

Some links on PHK may be affiliate links. Where an affiliate relationship applies, we may receive a commission or other benefit if you make a qualifying purchase or complete another qualifying action through the link. This generally does not increase the price you pay, but the terms set by the merchant or platform apply.

An affiliate relationship does not guarantee that a product is the best choice for every visitor. Please compare options and verify details independently. Further information, where applicable, is provided in our Affiliate Disclosure.

6. External Websites and Third-Party Services

PHK may link to external websites, marketplaces, products, services, or resources for convenience. We do not control and are not responsible for third-party content, accuracy, availability, security, privacy practices, terms, or business conduct.

Following an external link is your choice. Review the destination website’s terms and privacy policy before using its services, sharing information, or making a purchase. A link should not be interpreted as an endorsement of every statement, product, or service on the destination website.

7. Personal Experiences and Opinions

Where PHK presents personal experiences, examples, opinions, or illustrative scenarios, these reflect the stated context and may not represent typical results or the experiences of every person. Individual outcomes can vary based on circumstances, product versions, usage, and other factors.

8. Limitation of Responsibility

To the extent permitted by applicable law, PHK and its operators disclaim responsibility for loss or damage arising from reliance on website content, use of tools, purchase decisions, external links, or temporary website unavailability. This includes indirect or consequential loss where such exclusion is legally permitted.

Nothing in this Disclaimer excludes or limits any liability or consumer right that cannot lawfully be excluded or limited under applicable law.

9. Changes to This Disclaimer

We may update this Disclaimer when our website, content, tools, or practices change. The “Last updated” date at the top of this page indicates when it was most recently revised. Please review this page periodically.

10. Related Policies and Contact

Please also review our Privacy Policy and Terms and Conditions for additional information about using PHK.