Terms of Use – 4Utilities

1. Acceptance of Terms

By accessing or using any of the websites under the 4Utilities network (including but not limited to: 4Calculator.com, 4Pomodoro.com, 4Notepad.com, 4financecalculator.com, 4paintweb.com, 4investsimulator.com, 4loansimulator.com, 4mortgagesimulator.com, 4incometax.com, 4retirementcalc.com, 4wordtopdf.com), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please do not use our services.

2. Description of Services

4Utilities provides free online tools for financial calculations, time management, text editing, file conversions, and other utility-based services. Our websites do not require login, do not store personal data, and operate entirely within the user’s browser environment. All results generated by our tools are estimates and should not be considered as professional advice.

3. Eligibility

You must be at least 13 years old or the legal minimum age in your jurisdiction to use our services. If you are using the services on behalf of an organization, you represent that you have the authority to accept these terms on its behalf.

4. Permitted Use

You agree to:

• Use the websites solely for lawful and personal purposes;
• Not attempt to exploit, copy, clone, sell, or redistribute our services without explicit authorization;
• Not use automated scripts, bots, or any mechanism to scrape data or overload the servers;
• Not attempt to exploit vulnerabilities or compromise the security of the websites.

5. Intellectual Property

All rights related to the design, interface, logos, trademarks, and content of 4Utilities belong to the company or its licensors. Copying, modifying, distributing, or creating derivative works without express permission is strictly prohibited.

6. Limitation of Liability

Accuracy of results: The tools provided are based on mathematical models, but we do not guarantee absolute accuracy or suitability for any specific purpose.

No warranties: Services are provided “as is” without any warranty, either express or implied.

Disclaimer: 4Utilities shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use our websites.

7. Third-Party Links

Our websites may contain links to third-party services. 4Utilities is not responsible for the content, security, or practices of those external websites.

8. Changes to Terms

4Utilities reserves the right to modify these Terms at any time. Significant changes will be posted on our websites, and continued use after updates constitutes acceptance of the revised terms.

9. Governing Law

These Terms are governed by applicable laws, including compliance with the General Data Protection Regulation (GDPR) for EU users, the California Consumer Privacy Act (CCPA) for California residents, and equivalent data protection laws worldwide.

10. Contact

For any questions regarding these Terms, please contact us at: [email protected].