Terms of Service

Welcome to Smart Utility Hub (accessible at https://www.smartutilityhub.online). By accessing or using our website and digital tools, you agree to comply with and be bound by these Terms of Service.

1. Free License and Permitted Use

Smart Utility Hub provides calculators, document utilities, text analysis tools, and conversion helpers free of charge for personal, educational, and professional planning use. You agree not to misuse our tools, execute automated scraping that causes denial of service, or attempt to reverse-engineer protected infrastructure.

2. Educational Purpose & Non-Advisory Status

Our calculators provide numerical estimates based on established mathematical formulas. Smart Utility Hub is an educational utility platform, not a certified financial planner, bank, lender, or tax advisory service. For commercial loan or tax decisions, please consult with certified professionals. Please read our full Financial Disclaimer.

3. Intellectual Property

All trademarks, site designs, software code, and educational content 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, or consequential damages resulting from the use of or inability to use our tools or calculators.