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Disclaimer

Disclaimer for Tech & Life Notes

Last updated: August 18, 2026

1. Introduction
The information provided by Steve Kim ("we," "us," or "our") on Tech & Life Notes (the "Site") is for general informational, educational, and creative entertainment purposes only. All information on the Site is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.
2. Professional Disclaimer
The Site contains general technology insights, tutorials, and educational financial guides (such as Excel calculations).
  • Technology & IT Content: Tech guides, hardware configurations, and coding practices are shared based on personal and instructional experience. Implementing these practices on your hardware or systems is done entirely at your own risk.
  • Financial Content: Content regarding financial formulas (including the PMT formula) does not constitute formal financial advice. It is intended strictly as an educational guide for spreadsheet usage. Before making major financial or mortgage decisions, you should consult with a certified financial professional or mortgage broker.
3. External Links Disclaimer
The Site may contain links to external websites or features in banners or text. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, or completeness by us. We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through the site.
4. Creative Fiction & Personal Reflections
The short stories and personal anecdotes published on this Site are works of fiction or creative reflections based on personal memories. Unless explicitly stated otherwise, names, characters, places, and incidents are products of the author’s imagination or are used fictitiously.
5. Google AdSense & Advertising
This Site may display advertisements served by Google AdSense. Google uses cookies to serve ads based on a user's prior visits to this website or other websites on the Internet. Users may opt out of personalized advertising by visiting Google Ads Settings.

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