Terms of Service

Last updated: October 6, 2024

Agreement to Terms

By accessing and using utekar.com's website utekar.com ("we," "us," "our," or "the Service"), you accept and agree to be bound by the terms and provisions of this agreement. Please read these Terms of Service carefully before using our services. If you do not agree to abide by the above, please do not use this service.

Description of Service

utekar.com provides online tools, calculators, and resources for educational and informational purposes. Our services include financial calculators, productivity tools, conversion utilities, and other web-based applications designed to assist users with various tasks and calculations.

Use License

Permission is granted to temporarily use the materials on utekar.com for personal, non-commercial purposes only. This is the grant of a license, not a transfer of title, and under this license you may not:

• modify or copy the materials beyond personal use
• use the materials for any commercial purpose or for any public display (commercial or non-commercial)
• attempt to decompile or reverse engineer any software contained on the website
• remove any copyright or other proprietary notations from the materials
• transfer the materials to another person or mirror the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by utekar.com at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

User Accounts and Registration

Some features of our service may require you to create an account. When you create an account with us, you must provide information that is accurate, complete, and current at all times. You are responsible for:

• Safeguarding your account credentials and password
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Ensuring your account information remains accurate and up-to-date
• Maintaining the security of your password and accepting responsibility for all activities under your account

We reserve the right to terminate accounts that violate these terms, engage in inappropriate conduct, or remain inactive for an extended period.

Acceptable Use Policy

You agree not to use our service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, state, or local regulations, rules, laws, or ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses, malware, or any other type of malicious code
• To attempt to gain unauthorized access to our systems or networks
• To use automated tools to access our service in a manner that exceeds reasonable request volume
• To interfere with or disrupt the service or servers connected to the service

Intellectual Property Rights

All content, features, and functionality of our service, including but not limited to text, graphics, logos, images, software, and the selection and arrangement thereof, are owned by utekar.com, its licensors, or other providers and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

Disclaimer of Warranties

The information and services on utekar.com are provided on an 'as is' and 'as available' basis. utekar.com makes no representations or warranties of any kind, express or implied, as to the operation of our services or the information, content, materials, or products included on our website. You expressly agree that your use of our services is at your sole risk.

utekar.com does not warrant that our services will be uninterrupted, timely, secure, or error-free; nor do we make any warranty as to the results that may be obtained from the use of our services or as to the accuracy or reliability of any information obtained through our services.

Limitation of Liability

In no event shall utekar.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data, profits, business interruption, or any other pecuniary loss) arising out of the use or inability to use our services, even if utekar.com or an authorized representative has been notified orally or in writing of the possibility of such damage. Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, so the above limitations may not apply to you.

Content and Tools Disclaimer

All calculators, tools, and resources provided on utekar.com are intended for educational and informational purposes only. While we strive for accuracy, you acknowledge that:

• Results should not be considered as professional financial, legal, medical, or technical advice
• You should verify all results independently before making important decisions
• You should consult with qualified professionals for financial, legal, medical, or technical matters
• Calculations may be based on simplified models and assumptions that may not reflect your specific situation
• Market conditions, regulations, and personal circumstances may affect the applicability of results

utekar.com shall not be liable for any decisions made or actions taken based on information or calculations provided through our services.

Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by utekar.com. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that utekar.com shall not be responsible or liable for any damage or loss caused by or in connection with use of any such third-party content, goods, or services.

Indemnification

You agree to indemnify, defend, and hold harmless utekar.com and its officers, directors, employees, agents, and affiliates from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these Terms of Service or any activity related to your account or use of our services.

Service Availability and Modifications

We reserve the right to modify, suspend, or discontinue our services at any time without notice. We may also impose limits on certain features and services or restrict your access to parts or all of our services without notice or liability. We do not guarantee that:

• The website will be available at all times
• Access will be uninterrupted or error-free
• All tools and features will function as expected
• Data transmission will be secure

Termination

We may terminate or suspend your account and bar access to our services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to breach of these Terms of Service. Upon termination, your right to use our services will cease immediately.

Governing Law and Dispute Resolution

These Terms of Service shall be interpreted and governed by applicable laws. Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the appropriate arbitration association. The prevailing party in any dispute shall be entitled to recover reasonable attorneys' fees and costs.

Changes to Terms

utekar.com may revise these Terms of Service at any time without notice. By continuing to use our services after any revisions become effective, you agree to be bound by the updated terms. It is your responsibility to check this page periodically for changes.

Severability

If any provision of these Terms of Service is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Service constitute the entire agreement between you and utekar.com regarding our services and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and utekar.com.

Contact Information

If you have any questions about these Terms of Service, please contact us at: