Terms of Service

The purpose of these Terms is to define the rights, obligations, and responsibilities of the Company and the User in connection with the use of the Service. Any matter not stipulated herein shall be governed by the relevant Korean laws (including the Act on the Consumer Protection in Electronic Commerce, the Act on Promotion of Information and Communications Network Utilisation and Information Protection, and the Personal Information Protection Act), industry practice, and applicable international law.

For the purpose of these Terms: - "Company" means SDK Co., Ltd., a Korean corporation with business registration number 871-81-03242 and e-commerce registration number 2024-고양일산서-1820. - "Service" means the websites, applications, APIs, content, financial and crypto calculators, and any related materials made available by the Company at sdk.bz. - "User" means any individual or entity that accesses or uses the Service, whether as a guest visitor or as a logged-in user. - "Content" means any text, images, data, audio, video, design, layout, branding, software, and other materials made available through the Service. - "User Content" means any input, message, or other material submitted, transmitted, or generated by a User through the Service.

(1) The Company shall make these Terms publicly available on the Service so that Users can readily review them. (2) The Company may amend these Terms to the extent permitted by applicable law. When the Company amends the Terms, it shall post the amended Terms on the Service, together with the effective date and the reasons for the amendment, no less than seven (7) days prior to the effective date. If the amendment is materially adverse to Users, the Company shall give at least thirty (30) days' prior notice and shall make reasonable efforts to notify affected Users individually. (3) A User who does not agree to an amendment may discontinue use of the Service prior to the effective date. If the User continues to use the Service after the effective date, the User shall be deemed to have accepted the amended Terms.

(1) The Company makes the Service available free of charge, supported by advertising, on an "as available" basis. The Service includes, without limitation: - Loan, mortgage, compound interest, ROI, retirement, currency, crypto profit, DCA, staking, and mining calculators - Transparent formulas — every calculation is documented - Full multilingual support (English, Korean, Japanese, Chinese) (2) The Service is generally available 24 hours a day, 7 days a week, except during scheduled maintenance, emergency repairs, force-majeure events, infrastructure-provider outages, or other events outside the Company's reasonable control. (3) The Company may, at its discretion and from time to time, add, modify, suspend, or discontinue any feature of the Service, in whole or in part, with reasonable advance notice where practical. The Company shall not be liable to the User for any such modification, suspension, or discontinuance, except as expressly provided herein or as required by mandatory law.

(1) The User may use the Service for lawful, personal or internal-business purposes, in accordance with these Terms and applicable law. (2) Anonymous use is available without registration. (3) The User acknowledges that any User Content (including inputs to tools and calculators) is processed entirely on the User's own device and is not transmitted to the Company's servers, except where the User explicitly chooses to share or submit it. (4) The User shall comply with all directions, notices, and operational policies posted by the Company on the Service in connection with the use of the Service.

The User shall not: (1) Provide false information or impersonate any person or entity in connection with the Service; (2) Access or attempt to access the Service or any related system by unauthorised means, including the use of automated tools, scrapers, or bots; (3) Reverse-engineer, decompile, or otherwise attempt to derive the source code of any non-open-source component; (4) Upload, execute, or distribute any code, file, or material that contains viruses, worms, trojans, ransomware, cryptominers, or other malicious or harmful components; (5) Use the Service to attack, scan, probe, overload, or otherwise interfere with any third-party network, server, or service; (6) Infringe the intellectual property rights, privacy rights, publicity rights, or other rights of the Company or any third party; (7) Post, transmit, or otherwise make available material that is illegal, defamatory, harassing, threatening, hateful, sexually explicit, or otherwise objectionable; (8) Attempt to circumvent, disable, or interfere with security-related features, advertising, analytics, or other technical limitations of the Service; (9) Use the Service in a manner that causes excessive load on the infrastructure or that materially degrades the experience of other Users; (10) Engage in any other act that violates applicable law or these Terms.

(1) If the Company determines, in its reasonable discretion, that a User has violated Article 6 or any other provision of these Terms, the Company may, with or without prior notice, take any of the following measures: - Issue a warning to the User; - Restrict the User's access to specific features (e.g., rate-limit, IP-block); - Remove or disable access to User Content that violates these Terms; - Refer the matter to law-enforcement or regulatory authorities, where required. (2) Where the Company takes any such measure, the User may submit an objection in writing to contact@sdk.bz. The Company shall review the objection in good faith and respond within a reasonable time, ordinarily not later than fourteen (14) days from receipt.

(1) The Company may temporarily suspend the provision of the Service, in whole or in part, in any of the following cases: routine or emergency maintenance; failure of telecommunications, power, or upstream-provider services; force-majeure events; significant change in usage that exceeds the capacity of the existing infrastructure; other operational reasons that make it impractical to continue the Service. (2) The Company shall provide reasonable advance notice of any planned suspension. Where advance notice is not feasible, the Company shall provide notice as soon as reasonably practicable after the fact. (3) The Company may permanently discontinue the Service or any material feature thereof, with no less than thirty (30) days' prior notice, for legitimate business or operational reasons.

(1) Except for User Content and any third-party content marked as such, all rights, title, and interest in and to the Service and the Content are owned by the Company or its licensors and are protected by copyright, trademark, and other intellectual-property laws of the Republic of Korea and other jurisdictions. (2) The Company grants the User a limited, non-exclusive, non-transferable, revocable licence to access and use the Service and the Content for personal or internal-business purposes. The User shall not (i) reproduce, distribute, publicly display, or publicly transmit the Content; (ii) create derivative works of the Content; or (iii) use the Content for commercial training of large language models or other machine-learning systems, in each case without the Company's prior written consent. (3) The User retains all rights in any User Content the User authors, subject to the licence in paragraph (4) below. (4) By voluntarily submitting User Content (e.g., via e-mail or any future feedback channel), the User grants the Company a worldwide, royalty-free, non-exclusive licence to use, reproduce, modify, adapt, and display the User Content for the purpose of operating, improving, and promoting the Service. (5) Inputs that the User runs through tools and calculators on the Service remain entirely the User's. The Company has no licence to and no access to such inputs unless the User explicitly chooses to share them.

(1) The Service is supported by advertising delivered through Google AdSense and similar networks. By using the Service, the User acknowledges and consents to the display of advertisements as part of the Service experience. (2) The Company is not the seller of any product or service advertised through the Service. Any transaction or correspondence between the User and an advertiser is solely between those parties. (3) Where required by law, the Company displays a consent banner allowing the User to manage advertising preferences.

(1) The Service and the Content are provided on an "as is" and "as available" basis without warranties of any kind. To the maximum extent permitted by law, the Company disclaims all warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, and continuous availability. (2) The Company does not warrant that (i) the Service will meet the User's specific requirements; (ii) the Service will be uninterrupted, timely, secure, or error-free; (iii) any information provided through the Service is accurate, complete, or current; or (iv) defects will be corrected. (3) The Company shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or in connection with the use of, or inability to use, the Service. (4) The Company's aggregate liability to the User in connection with the Service shall not exceed the greater of (a) the total amount paid by the User to the Company in the twelve (12) months preceding the event giving rise to liability (zero for a free Service), or (b) one hundred thousand Korean won (KRW 100,000). (5) Nothing in these Terms shall exclude or limit liability that cannot be excluded or limited under applicable law.

The User agrees to defend, indemnify, and hold harmless the Company, its officers, directors, employees, contractors, licensors, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, debts, and expenses (including reasonable attorneys' fees) arising from (i) the User's use of and access to the Service in violation of these Terms; (ii) the User's User Content; (iii) the User's violation of any third-party right; or (iv) the User's violation of any applicable law.

Use of the Service is also governed by the Privacy Policy located at https://sdk.bz/privacy, which is incorporated by reference into these Terms.

(1) The Company may give notice to a User by posting on the Service, by e-mail, or by other reasonable means. (2) Where notice is given by posting on the Service, it shall be deemed received upon posting. (3) The User may give notice to the Company by e-mail at contact@sdk.bz or by post to 4F, 127 Namseong-ro, Jeju-si, Jeju Special Self-Governing Province, Republic of Korea.

(1) These Terms shall be governed by and construed in accordance with the laws of the Republic of Korea, without regard to its conflict-of-laws principles. (2) The parties shall attempt in good faith to resolve any dispute amicably through written communication. If a dispute cannot be resolved within thirty (30) days of written notice, the dispute shall be subject to the exclusive jurisdiction of the Seoul Central District Court of the Republic of Korea, as the court of first instance, except where the User is a consumer entitled to a different forum under mandatory law. (3) Users residing within the European Union may be entitled to use the European Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.

If any provision of these Terms is held to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of the remaining provisions.

These Terms, together with the Privacy Policy and any operational policies posted on the Service, constitute the entire agreement between the User and the Company concerning the use of the Service and supersede any prior agreements or understandings between the parties on the same subject matter.

These Terms are effective as of 2024-01-15 and were last amended on 2026-05-02. Any prior version of these Terms is hereby superseded. For questions regarding these Terms, please contact contact@sdk.bz. Operator: SDK Co., Ltd. Business Registration: 871-81-03242 E-Commerce Registration: 2024-고양일산서-1820 Address: 4F, 127 Namseong-ro, Jeju-si, Jeju Special Self-Governing Province, Republic of Korea