Disclaimer

1. Free calculators (investing, loans, insurance, retirement, medical costs, business, tax)

Our calculators use simplified, generalized formulas and default assumptions. Real-world outcomes are affected by many factors calculators cannot fully capture — actual bank rates, insurance underwriting terms, tax bracket changes, medical billing specifics, and more. Results are for reference only:

• Loan/mortgage tools do not represent an actual bank quote or approval
• Insurance calculators do not represent actual policy terms or premiums, which require an insurer's formal quote
• Tax calculators are simplified estimates and do not replace a certified tax preparer's calculation, especially for complex situations
• Medical cost estimators do not represent actual billing, which varies significantly by hospital, region, and case
• Before making any financial, insurance, medical, or tax decision, please consult a qualified professional (financial advisor, insurance agent, accountant, doctor, etc.)

2. Taiwan stock analysis (including "Line Shang You Wei" subscription)

This is absolutely not investment advice. Please note the following:

• All indicators, signals, patterns, and "deep stock picks" are technical analysis results calculated automatically from historical data — they are not predictions of future price movement
• Stock market data may be delayed or, in rare cases, temporarily inaccurate due to third-party data source issues
• Radar signals, Granville's buy points, support/resistance levels, and risk ratings are calculated using fixed rules and do not account for company fundamentals, industry conditions, or market sentiment
• Past performance and historical patterns do not guarantee future results
• Investing carries risk, including the risk of principal loss; you should independently assess your risk tolerance and consult a licensed investment advisor before trading
• SoftGlow and its team are not responsible for any investment losses resulting from the use of this analysis

3. Lottery information

• All draw results displayed are for reference only; official results are subject to the announcements of each lottery's official operator
• Number-generation tools (zodiac, birthday, dream, AI, etc.) are for entertainment purposes only and have no predictive or scientific basis for winning
• Lottery participation involves financial risk. Please play responsibly, within your means, and stop if it stops being fun
• Lottery participation is prohibited for minors and in jurisdictions where such participation is not legally permitted
• If you feel you may have a gambling problem, please seek help from a local support organization

4. Data accuracy

We make reasonable efforts to ensure the accuracy and timeliness of the data and calculations on this site, but we cannot guarantee that all content is completely error-free, complete, or up to date at all times. Formulas, tax brackets, insurance regulations, and similar reference data may change due to law or policy updates and may not always be reflected immediately.

5. Third-party links

This site may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or accuracy of any third-party site, and inclusion of a link does not imply our endorsement.

6. Limitation of liability

To the maximum extent permitted by law, SoftGlow and its operating team shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this site's content, tools, or services — including but not limited to financial loss, investment loss, or medical/insurance/tax decision loss.

7. Governing law

This disclaimer is governed by the laws of the Republic of China (Taiwan) and should be read together with our Terms of Service.