Terms of Use

By accessing the website of Ryuumi LLC ("we" or "us"), you agree to the following terms and conditions.

1. Disclaimers (Important)

Please read the following disclaimers carefully before using this website and the various features provided on it, including the life plan simulation (hereinafter collectively referred to as "the Service").

Investment Information
The information published on this website (such as market analysis, stock information, etc.) is for informational purposes only and is not intended as a solicitation or recommendation for investment. The content reflects the author's views at the time of writing, and we make no representations as to its accuracy or completeness. Final investment decisions must be made solely at your own discretion and responsibility.

No Guarantee of Simulation Results
The results generated by the Service are simplified estimates and projections based on the conditions entered by the user. They do not guarantee future actual income and expenditure, asset values, or investment performance. Furthermore, tax systems, social insurance systems, and other regulations are subject to change due to legal amendments.

No Professional Advice
We and the developers of the Service do not hold professional qualifications such as Certified Public Tax Accountant or Financial Planner, and we do not provide specific professional advice such as tax consultation, investment advice, or legal consultation through the Service. For specific tax calculations, tax filing procedures, or the purchase of individual financial products, please consult with experts such as tax accountants or relevant public institutions at your own responsibility.

System Malfunctions and Data Loss
While we strive for accuracy and completeness in the calculation logic of the Service, we do not guarantee the absence of system bugs or defects. We shall not be held liable for any direct or indirect damages incurred by the user arising from the use of the Service, system malfunctions, or loss of data.

2. Intellectual Property

All content, including text, images, and logos, is the property of Ryuumi LLC and is protected by copyright laws. Unauthorized reproduction or redistribution is prohibited.

3. Changes to Terms

We reserve the right to modify these terms at any time without prior notice.