Terms of Use

Effective date: October 1, 2026. Last updated: October 1, 2026.

By using utilitools.xyz, you agree to these Terms of Use. If you don't agree, please don't use the site.

Educational information only

Content and calculator results are provided for general educational purposes. They are not financial, insurance, legal or tax advice, and they are not quotes, offers or commitments to provide any product.

No guarantee of accuracy

We work to keep information accurate and current, but we can't guarantee it is complete or error-free. Rates, rules and product terms change and vary by provider and state.

Third-party content and links

The site may include advertising, sponsored placements and links to third-party websites. We don't control and aren't responsible for third-party products, services or content.

Acceptable use

Don't misuse the site, including by interfering with its operation, scraping it at scale or generating fraudulent advertising activity.

Disclaimers and limitation of liability

The site is provided "as is." To the extent permitted by law, UtiliTools is not liable for decisions made based on its content or for indirect or consequential damages.

Changes and governing law

We may update these terms from time to time. These terms are governed by the laws of Delaware, without regard to conflict-of-law rules. Questions: [email protected].