Terms of Service
Effective date: October 1, 2026. Last updated: October 2, 2026.
By using utilo.xyz ("Utilo", "the site"), you agree to these terms. If you don't agree, please don't use the site.
1. Free tools, provided as-is
All tools on Utilo are free and provided "as is" without warranties of any kind, express or implied. We work hard to keep them accurate and available, but we don't guarantee they will be error-free or uninterrupted.
2. Not professional advice
Content on this site — including mortgage calculations, estimates, and blog articles — is for general informational purposes only. It is not financial, legal, tax, or professional advice. Mortgage figures are estimates based on the numbers you enter and simplified assumptions; your actual loan terms will differ. Always consult a qualified professional before making financial decisions.
3. Acceptable use
You agree not to:
- Use the site for any unlawful purpose or in violation of applicable laws.
- Attempt to disrupt, overload, or gain unauthorized access to the site or its hosting infrastructure.
- Scrape the site at abusive rates or circumvent any technical protections.
- Misrepresent the site's output as professional advice or official documentation.
4. Your content stays yours
Files, text, and data you process with our tools remain yours. Because processing happens in your browser, we never receive them in the first place. You are responsible for having the rights to any content you process.
5. Intellectual property
The site's design, text, and code are owned by Utilo and protected by applicable intellectual-property laws. You may use the tools for personal and commercial purposes; you may not copy, rehost, or resell the site itself without permission.
6. Third-party links and advertising
The site may display ads or links to third-party websites and services. We are not responsible for their content, accuracy, or practices. Affiliate links, where present, are disclosed next to the link.
7. Limitation of liability
To the maximum extent permitted by law, Utilo and its operators are not liable for any indirect, incidental, or consequential damages arising from your use of (or inability to use) the site, including reliance on estimates or calculations it produces.
8. Changes
We may update these terms as the site evolves. Continued use of the site after changes take effect constitutes acceptance of the updated terms. Material changes will be noted by the "Last updated" date above.
9. Contact
Questions about these terms? Contact us.