Disclaimer

Last updated: October 6, 2024

Important: Please read this disclaimer carefully before using utekar.com's website utekar.com ("we," "us," "our," or "the Website"). By using our website and services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.

General Disclaimer

The information contained on utekar.com is for general information purposes only. While we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Educational and Informational Use Only

All calculators, tools, resources, and content provided on utekar.com are intended for educational and informational purposes only. They should not be used as a substitute for professional advice or services. Specifically:

• Financial calculators are not a substitute for professional financial advice or planning services
• Legal information does not constitute legal counsel or replace consultation with qualified attorneys
• Health and medical calculators are not medical advice and should not replace professional medical care
• Tax-related tools are for informational purposes only and are not official tax advice or preparation services
• Engineering and technical calculators should not replace consultation with qualified professionals
• Mathematical and scientific tools are for educational purposes and may not account for all variables in real-world applications

Financial Information Disclaimer

Financial calculators and tools provided on this website are for illustrative and educational purposes only. Results may vary significantly based on:

• Individual financial circumstances and market conditions
• Current tax laws and regulations that may change over time
• Interest rates, inflation, and other economic factors
• Fees, charges, and expenses not included in calculations
• Investment performance and market volatility
• Personal risk tolerance and investment objectives

Important: Always consult with qualified financial professionals, including certified financial planners, investment advisors, and tax professionals, before making investment decisions or financial commitments. Past performance does not guarantee future results.

Accuracy and Completeness

We strive for accuracy in all content, calculations, and tools provided on our website, but errors may occur. We do not guarantee that:

• All information, calculations, or results are accurate, complete, or current
• Our tools and calculators are error-free or will meet your specific requirements
• Results will be suitable for your particular situation or circumstances
• All content reflects the most current laws, regulations, or best practices
• Third-party data or information integrated into our tools is accurate or up-to-date

No Professional Advice

The content, tools, and information on utekar.com do not constitute professional advice of any kind, including but not limited to:

• Financial planning, investment advice, or wealth management services
• Legal advice, legal interpretation, or legal representation
• Medical, health, or wellness recommendations or treatment plans
• Tax advice, tax preparation, or tax planning services
• Engineering, technical, or construction recommendations
• Mathematical, scientific, or academic consulting services
• Insurance, real estate, or other specialized professional services

Users should consult with appropriate licensed professionals for advice specific to their situation. We strongly recommend verifying any calculations or information obtained from our website with qualified professionals before taking any action based on such information.

Limitation of Liability

In no event shall utekar.com, its owners, operators, employees, agents, or affiliates be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from:

• Use or inability to use the website, tools, or services
• Reliance on information, calculations, or results provided
• Errors, omissions, or inaccuracies in content or calculations
• Technical issues, downtime, or service interruptions
• Any decisions made or actions taken based on information from this website
• Loss of data, profits, business opportunities, or other financial losses
• Personal injury, property damage, or other harm resulting from use of our services

This limitation of liability applies to all claims, whether based on warranty, contract, tort, negligence, strict liability, or any other legal theory, even if utekar.com has been advised of the possibility of such damages.

External Links and Third-Party Content

Our website may contain links to external websites, resources, or third-party content. We are not responsible for and do not endorse:

• The accuracy, completeness, or reliability of external websites or their content
• The availability, functionality, or security of third-party websites
• The content, privacy policies, or practices of third-party websites or services
• Any damages, losses, or issues resulting from use of external links or third-party content
• Products, services, or opinions expressed by third parties
• Infringement of intellectual property rights by third-party content

Use of external links is at your own risk. We encourage you to review the terms of service, privacy policies, and disclaimers of any third-party websites you visit.

User-Generated Content and Community Features

Where users can submit content, comments, or participate in community features, we do not endorse, guarantee the accuracy of, or take responsibility for user-generated content. Users are solely responsible for their own submissions and should:

• Verify information independently before relying on it
• Understand that user content represents individual opinions, not professional advice
• Report inappropriate, inaccurate, or harmful content to us immediately
• Respect intellectual property rights and avoid sharing copyrighted material
• Comply with community guidelines and applicable laws

Service Availability and Technical Issues

We do not guarantee that our website and services will be:

• Available at all times or uninterrupted
• Free from technical errors, bugs, or security vulnerabilities
• Compatible with all devices, browsers, or operating systems
• Protected from data loss, corruption, or unauthorized access
• Fast, reliable, or suitable for real-time or critical applications

Scheduled maintenance, updates, and unforeseen technical issues may temporarily disrupt service. We are not liable for any damages resulting from service interruptions or technical problems.

Jurisdictional Limitations

The information and services provided on utekar.com may not be appropriate or available in all jurisdictions. Users are responsible for:

• Complying with local laws and regulations in their jurisdiction
• Understanding that content may not reflect local laws or practices
• Seeking local professional advice when needed
• Recognizing that some tools or information may not be valid in their location

Changes to Disclaimer

We reserve the right to modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting on this page. Your continued use of our website after any modifications constitutes acceptance of the updated disclaimer.

Severability

If any provision of this disclaimer is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the extent necessary to make it valid and enforceable.

Governing Law

This disclaimer shall be interpreted and governed by applicable laws. Any disputes arising from this disclaimer or your use of our website shall be resolved in accordance with the laws of the relevant jurisdiction, without regard to conflict of law principles.

Contact Information

If you have any questions about this disclaimer, concerns about the use of our website, or believe that content violates your rights, please contact us: