1. Acceptance of Terms
These Terms of Use ("Terms") govern your access to and use of the website at webutilitykit.app, operated by Wealth Wise ("we," "us," or "our"). By using the Site, you confirm you are at least 18 years of age and agree to these Terms, our Privacy Policy, and our Disclaimer.
2. Permitted Use
You may use this Site for lawful, personal, non-commercial purposes only. You agree not to:
- Use the Site in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to any part of the Site or its systems
- Use automated tools (bots, scrapers) to extract content without prior written permission
- Reproduce, sell, or exploit any portion of the Site for commercial purposes without our express written consent
- Transmit unsolicited advertising or promotional material
- Interfere with or disrupt the integrity or performance of the Site
- Post or transmit content that is defamatory, obscene, or otherwise objectionable
3. Intellectual Property
All content on this Site — articles, guides, calculator designs, graphics, logos, text, and code — is the intellectual property of Wealth Wise or its content suppliers, protected by applicable copyright and intellectual property laws.
You may: view and print content for personal, non-commercial use; share links to pages on this Site; quote brief excerpts with proper attribution and a link back to the original page.
You may not: reproduce substantial content without written permission; use our content for commercial purposes without consent; remove copyright or proprietary notices; claim our content as your own.
4. Calculator and Tool Usage
Our financial calculators are free to use for personal, informational purposes. You acknowledge that calculator results are estimates only, you use all tools at your own risk, we do not store any financial data you enter, and tool results should not replace professional financial advice.
5. User-Submitted Content
If you submit content to this Site (such as comments or contact form messages), you grant us a non-exclusive, royalty-free, perpetual license to use and display that content in connection with the Site. We reserve the right to remove any user-submitted content at our discretion without notice.
6. Third-Party Links and Services
The Site may contain links to third-party websites provided for convenience only. We have no control over their content and accept no responsibility for them. Accessing any third-party website is at your own risk.
7. Advertisements
This Site displays third-party advertisements via Google AdSense. We are not responsible for the content of any advertisement. Any transactions with advertisers are solely between you and the advertiser.
8. Disclaimer of Warranties
This Site is provided on an "as is" and "as available" basis without any warranties of any kind, including but not limited to warranties of merchantability, fitness for a particular purpose, or that the Site will be uninterrupted or error-free. Your use of the Site is entirely at your own risk.
9. Limitation of Liability
To the maximum extent permitted by law, Wealth Wise, its owners, employees, and contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or financial losses arising from reliance on content or calculator results on this Site.
10. Indemnification
You agree to indemnify and hold harmless Wealth Wise and its owners, authors, and contributors from and against any claims, liabilities, damages, losses, costs, or expenses arising out of your use of the Site or violation of these Terms.
11. Modifications
We reserve the right to modify or discontinue any part of the Site at any time, and to update these Terms at any time by posting the revised version on this page. Continued use of the Site following any changes constitutes your acceptance of those changes.
12. Governing Law
These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of competent jurisdiction.
13. Severability
If any provision of these Terms is found unenforceable, that provision will be limited to the minimum extent necessary so that the remaining Terms stay in full force and effect.
14. Contact
Questions about these Terms? Contact us via our Contact page or email legal@webutilitykit.app.