Terms and Conditions

1. Using PHK

You may use PHK for lawful, personal, and legitimate informational purposes. You agree not to misuse the website or attempt to interfere with its operation, security, or availability.

You must not:

• Use the website in violation of applicable laws or regulations;
• Attempt to gain unauthorized access to the website, its systems, or related accounts;
• Introduce malicious code, disrupt website functionality, or place unreasonable loads on the website;
• Use automated methods to collect website content in a way that violates applicable law or materially disrupts the service; or
• Misrepresent your identity or use PHK to distribute unlawful, fraudulent, or harmful material.

2. Information and Content

PHK publishes articles, guides, product-related information, and other material for general informational purposes. We aim to make the content useful and clear, but we do not guarantee that all information is complete, current, error-free, or suitable for every situation.

Prices, product availability, specifications, promotions, merchant policies, and other third-party details may change without notice. Please verify important information with the relevant seller, service provider, manufacturer, or other authoritative source before making a decision or purchase.

3. Online Tools and Calculators

PHK may provide calculators, converters, generators, business tools, templates, educational resources, or games. Their outputs depend on the inputs supplied and the assumptions or methods used by each tool.

• Check your inputs and review results before relying on them.
• Tool results are provided as general assistance and may be estimates or simplified calculations.
• Do not rely solely on PHK tools for financial, legal, medical, safety-critical, or other high-impact decisions.
• Back up important information before using any tool that processes or generates content.
• Do not submit passwords, payment details, sensitive personal information, or confidential business information unless a feature explicitly requires it and its handling has been clearly explained.

We may change, suspend, or discontinue a tool or feature at any time.

4. Products, Merchants, and Third-Party Links

PHK may display product categories, product information, recommendations, or links to third-party websites and marketplaces, including Shopee. Unless explicitly stated otherwise, PHK is not the seller of products offered by those third parties and does not control their stock, prices, shipping, returns, warranties, payment processes, or customer service.

Any purchase you make through a third-party website is between you and the relevant seller or platform and is subject to that party’s terms and policies. Please check the listing details, seller information, total price, delivery conditions, and return policy before purchasing.

Third-party links are provided for convenience. PHK is not responsible for the content, availability, security, or practices of external websites. A link does not necessarily mean PHK endorses every product, service, or statement on the destination website.

5. Affiliate Relationships

Some links on PHK may be affiliate links. Where an affiliate relationship applies, PHK may receive a commission or other benefit if you make a qualifying purchase or take another qualifying action through a link. This generally does not increase the price you pay, although the merchant’s own terms and pricing apply.

Affiliate relationships, where applicable, should be described in our Affiliate Disclosure. We encourage you to evaluate products based on your own needs and to verify details directly with the seller.

6. Intellectual Property

Unless otherwise stated, PHK’s original website content, design elements, text, and other materials are owned by or used with permission by PHK and may be protected by intellectual property laws.

You may access and use the website for personal, non-commercial purposes. You must not reproduce, republish, distribute, sell, or create derivative works from substantial portions of PHK content without prior permission, except where permitted by applicable law. Product names, trademarks, logos, and materials belonging to third parties remain the property of their respective owners.

7. User Messages and Feedback

If you send feedback, suggestions, or inquiries to PHK, please ensure that the information you provide is lawful and does not infringe another person’s rights. Do not send confidential information unless it is necessary for your request.

We may use general suggestions to improve PHK, without an obligation to use them or provide compensation, subject to applicable law and any separate agreement.

8. Availability and Changes

We may update, remove, suspend, or change any part of PHK, including content, tools, links, and features, without prior notice. We do not guarantee uninterrupted access or that the website will always be free of errors, interruptions, or harmful components. We will take reasonable steps to address issues when appropriate.

9. Disclaimers

To the extent permitted by applicable law, PHK is provided on an “as is” and “as available” basis. We make no warranties, express or implied, about the website’s availability, accuracy, reliability, suitability, or fitness for a particular purpose.

Content and tools on PHK are not a substitute for professional advice where such advice is needed. Further information about the limits of our content and tools may be provided in our Disclaimer.

10. Limitation of Liability

To the extent permitted by applicable law, PHK and its operators will not be liable for indirect, incidental, special, consequential, or punitive losses, or for loss of data, profits, business, or opportunities arising from or related to your use of, or inability to use, the website, tools, content, or third-party links.

Nothing in these Terms excludes or limits liability where doing so would be unlawful. Your rights may vary depending on the laws that apply to you.

11. Privacy

Your use of PHK is also subject to our Privacy Policy, which explains how information may be collected and used. Please review it before using features that involve submitting information.

12. Changes to These Terms

We may revise these Terms from time to time. The “Last updated” date at the top of this page indicates when they were most recently revised. Continued use of PHK after revised Terms are published means you accept the updated Terms to the extent permitted by applicable law.

13. Governing Law

These Terms are subject to applicable laws. Any mandatory consumer protections or other rights that apply under the laws of your place of residence remain unaffected. Before publishing, PHK should confirm whether it needs to identify a specific governing law or dispute-resolution venue.

14. Contact Us