PHTools

Terms of Use & Financial Disclaimer

Last Updated: May 2026

Welcome to PHTools. By accessing this website, we assume you accept these terms and conditions. Do not continue to use PHTools if you do not agree to take all of the terms and conditions stated on this page.

1. Financial & Legal Disclaimer (No Professional Advice)

The calculators and tools provided on PHTools (including but not limited to salary, tax, SSS, PhilHealth, and Pag-IBIG calculators) are for informational and estimation purposes only.

PHTools is not a certified public accountant, financial advisor, or legal professional. While we strive to use the most up-to-date and accurate formulas based on Philippine laws (e.g., TRAIN Law, RA 11199), your actual deductions and net pay will depend on your employer's specific payroll systems, localized policies, and personal financial situations. Always consult a qualified professional or your HR department for official computations.

2. Limitation of Liability

Under no circumstances shall PHTools or its developers be held liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of our calculators or reliance on the information provided on this website. You use the tools entirely at your own risk.

3. Intellectual Property Rights

Unless otherwise stated, PHTools owns the intellectual property rights for all material on this website. All intellectual property rights are reserved. You may access this from PHTools for your own personal use subjected to restrictions set in these terms and conditions.

  • You must not republish material from PHTools
  • You must not sell, rent or sub-license material from PHTools
  • You must not reproduce, duplicate or copy the calculator algorithms or code

4. External Links

Our website may contain links to third-party websites or services that are not owned or controlled by PHTools. PHTools has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party websites or services.