Terms of Service

Welcome to Smart Utility Hub. By accessing or using our website and digital tools, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our services.

1. Free License and Permitted Use

Smart Utility Hub provides calculators, document utilities, text analysis tools, and conversion helpers free of charge for personal, academic, and professional use. You agree not to misuse our tools, attempt automated scraping that degrades system stability, or bypass security features.

2. Accuracy and Non-Financial Advice

While our calculators use verified mathematical equations (such as standard reducing-balance loan amortization algorithms), results are provided for informational and estimation purposes only. Smart Utility Hub does not provide certified financial, legal, medical, or tax advice. Please review our Financial Disclaimer.

3. Intellectual Property

All trademarks, site layout designs, branding, logos, and custom code on Smart Utility Hub are the proprietary intellectual property of Smart Utility Hub.

4. Limitation of Liability

In no event shall Smart Utility Hub or its operators be liable for any direct, indirect, incidental, consequential, or punitive damages resulting from your use of or inability to use our tools or calculators.