Terms of Service

1. Acceptance of Terms

By accessing or using the PayFeeCalc Suite website and its tools located at luoyunxiao.com (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all terms and conditions, you may not access or use the Service.

2. Description of Utilities

PayFeeCalc Suite provides free, web-based digital productivity utilities designed for freelancers, independent contractors, cross-border businesses, and developers. These utilities include:

• Payment Fee Calculator: Estimate processing deductions for Stripe, PayPal, and Wise transactions.
• QR Studio: Generate customizable QR codes client-side.
• Time Zone Converter: Coordinate cross-border meeting windows and schedules.
• IP & Privacy Diagnostics: Evaluate public IP parameters, WebRTC leaks, and browser signals.
• Image Compressor: Client-side image size optimization without cloud uploads.

3. Not Financial or Professional Advice

4. Trademark Disclaimers

Stripe, PayPal, Wise, Visa, Mastercard, Shopify, and other trade names or logos mentioned across this site are registered trademarks of their respective owners. Their display does not imply any official affiliation, sponsorship, or endorsement by those entities.

5. Acceptable Use Policy

You agree not to misuse the Service. Specifically, you shall not:

• Engage in automated scraping or denial-of-service attempts that degrade service performance.
• Use the site for any fraudulent, unlawful, or abusive activities.
• Reverse engineer or distribute malicious payloads through any client input forms.

6. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy of computational formulas.

7. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall PayFeeCalc Suite, its operators, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of your access to or inability to use the Service.

8. Third-Party Links & Advertisements

Our website features Google AdSense advertisements and affiliate referral links (such as Wise and NordVPN). Clicking on these links may direct you to external websites governed by their own privacy policies and terms. We are not responsible for the content, privacy practices, or products offered by external third parties.