Terms of Service

Last updated: December 2025

Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the Utility Belt website (the "Service") operated by Utility Belt ("us", "we", or "our").

1. Accuracy of Tools

The tools provided on this website (including but not limited to the Finance Calculator, Health Dashboard, Unit Converter, and Password Generator) are for informational and educational purposes only.

• Financial Tools: Results are estimates. Actual loan or investment terms usually depend on individual credit verification and lender terms. We are not a financial institution.
• Health Tools: BMI and calorie calculations are general estimates based on common formulas. They are not medical advice. Consult a doctor for medical decisions.

2. Privacy & Data

We are a "client-side first" service. This means your inputs (passwords, health data, financial numbers) are processed in your own browser and are NOT sent to our servers. However, we do use third-party services (Google AdSense, Google Analytics) which may collect usage data. Please review our Privacy Policy.

3. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Utility Belt and its licensors.

4. Limitation of Liability

In no event shall Utility Belt, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

5. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

6. Contact Us

If you have any questions about these Terms, please contact us via our About Page.