Disclaimer

1. General Disclaimer

KaibiganGPT provides AI-powered tools and calculators designed to assist with various aspects of daily life. While we strive for accuracy and reliability, all information, calculations, and AI-generated content are provided "as is" without any warranties or guarantees.

• Our tools are intended to provide estimates and general guidance
• Results should be verified independently before making important decisions
• We do not guarantee the accuracy, completeness, or timeliness of any information
• Individual circumstances may significantly affect the relevance of our tools

2. Financial Tools and Calculators Disclaimer

Philippine Finance Tools

• SSS Calculations: Based on official SSS formulas but are estimates only. Actual benefits may vary based on contributions, law changes, and individual circumstances
• GSIS Projections: Calculated using available GSIS tables and formulas, but actual government benefits depend on policy changes and individual eligibility
• Pag-IBIG Estimates: Housing loan calculations use standard formulas but actual terms depend on Pag-IBIG policies, creditworthiness, and current rates
• Loan Calculators: Provide general estimates. Actual loan terms depend on credit scores, bank policies, and current market rates
• Investment Projections: Historical returns do not guarantee future performance. Markets are volatile and unpredictable
• Retirement Planning: Calculations assume constant contribution rates and returns, which rarely occur in reality

Budget and Cost-of-Living Tools

• Cost-of-living data is based on available sources and may not reflect current local prices
• Budget recommendations are general guidelines that may not suit individual lifestyles
• Exchange rates and purchasing power data may be outdated or inaccurate
• Regional variations within countries can be significant and are not always captured

Currency Conversion

• Exchange rates are provided by third-party services and may not be real-time
• Rates shown may differ from actual bank or exchange service rates
• Historical data is for reference only and does not predict future trends
• Always verify current rates before making financial transactions

3. AI-Generated Content Disclaimer

Meal Planning and Nutrition

• Nutritional information is estimated and may not be accurate
• Always verify ingredients and allergen information independently
• Portion sizes and calorie estimates may not suit individual needs
• Price estimates for ingredients may be outdated or regionally inaccurate
• Meal plans may not account for cultural, religious, or personal dietary restrictions

Email Writing and Communication

• AI-generated emails are templates and suggestions that should be reviewed and customized
• Content may not be appropriate for all contexts or recipients
• Legal, formal, or sensitive communications should be drafted by qualified professionals
• Always review and fact-check content before sending
• Tone and style may not match your personal or organizational voice

Document Summarization

• Summaries may not capture all important nuances or context from original documents
• AI interpretation may miss critical details or misunderstand complex content
• Legal documents, contracts, and technical specifications should be reviewed by qualified professionals
• Accuracy depends on document quality and AI model limitations
• Multiple language processing may introduce translation errors

Smart Gadget Recommendations

• Product recommendations are based on general specifications and market data
• Prices, availability, and features may change frequently
• Individual preferences and specific use cases may not be fully considered
• Always research products independently before purchasing
• We do not guarantee product quality, warranty, or seller reliability

4. Technical and Data Accuracy

Data Sources and Accuracy

• Data is sourced from various third-party providers and may contain errors
• Information may be outdated due to update delays or source limitations
• We cannot guarantee the accuracy of external data sources
• Geographic and temporal variations may not be accurately represented

Technical Limitations

• AI models have inherent limitations and may produce incorrect results
• Calculation algorithms may not account for all variables or edge cases
• System downtime or errors may affect tool availability and accuracy
• Processing large files or complex requests may result in incomplete outputs

World Clock and Time Data

• Time zone information is provided for convenience and may not account for all local variations
• Daylight saving time changes may not be immediately updated
• Historical time data may be incomplete or inaccurate
• Meeting scheduling suggestions do not account for holidays or personal availability

5. Legal and Professional Services Disclaimer

• Our tools do not replace professional advice from qualified experts
• Legal, financial, medical, or technical decisions should involve appropriate professionals
• We do not provide personalized advice for individual circumstances
• Results from our tools should not be used as the sole basis for important decisions

6. Third-Party Services and Links

• We integrate with third-party services for data and functionality
• We are not responsible for the accuracy, availability, or policies of third-party services
• External links are provided for convenience but we do not endorse linked content
• Third-party service interruptions may affect our tool functionality
• Affiliate links may be included but do not influence our recommendations

7. User Responsibility

As a user of KaibiganGPT, you are responsible for:

• Using our tools appropriately and understanding their limitations
• Verifying information independently before making decisions
• Consulting qualified professionals for specialized advice
• Understanding that AI-generated content requires human judgment
• Ensuring compliance with local laws and regulations
• Protecting your own data and privacy when using our tools

8. Limitation of Liability

• We are not liable for financial losses from calculator errors or poor investment decisions
• We are not responsible for health issues from following AI-generated meal plans
• We are not liable for communication problems from AI-generated emails
• We are not responsible for missed opportunities due to incorrect time zone information
• We are not liable for data loss or technical issues beyond our control

9. Updates and Changes

This disclaimer may be updated periodically to reflect changes in our services, legal requirements, or industry standards. We will notify users of significant changes through:

• Updated date stamp on this disclaimer page
• Website notifications for major changes
• Email notifications (if you have subscribed to our newsletter)
• Prominent notices on affected tools or calculators

10. Contact Information

If you have questions about this disclaimer or need clarification about any of our tools: