Disclaimer

The tools and content on UtilityApp (utilityapp.lat) are provided for general information and convenience only. By using the site you accept the limits described below.

1. No financial or investment advice

Our finance calculators (EMI, SIP, mortgage, compound interest, tax, retirement and others) use standard published formulas, which are shown on each page. Results are estimates: real loan terms, interest accrual methods, tax rules, fees and market returns vary by lender, jurisdiction and time. Nothing on this site is financial, investment or tax advice, and we are not a licensed financial advisor. Verify any consequential figure with your bank, broker or a qualified professional before acting on it.

2. No medical advice

Health calculators (BMI, calorie/TDEE, body fat, heart-rate zones, due date, ovulation and others) are screening and educational tools based on population-level formulas. They do not account for your individual medical situation and are not a diagnosis. Always consult a qualified healthcare professional before making decisions about your health, diet, exercise or pregnancy.

3. No legal advice

Document generators (invoices, NDAs, contracts, letters and policies) produce general templates using common clauses. Laws differ by country and state, and templates cannot address your specific circumstances. Using these generators does not create an attorney-client relationship. For agreements that matter, have the final document reviewed by a licensed lawyer in your jurisdiction.

4. Accuracy and availability

We work hard to keep formulas, conversion factors and reference values correct, and we show our working wherever possible. Even so, the service is provided "as is" without warranties of any kind, and we do not guarantee that results are error-free or that the site will be uninterrupted. If you spot an error, please tell us via the contact page — we fix verified mistakes quickly.

5. Advertising and external links

The site is funded by advertising (see our privacy policy). Ads and external links may lead to third-party sites whose content, products and policies we do not control or endorse. Any dealings with third parties are between you and them.

6. Limitation of liability

To the maximum extent permitted by law, UtilityApp shall not be liable for any loss or damage — direct or indirect — arising from reliance on any tool result, generated document or piece of content on this site. Full terms are in our Terms of Use.

7. Contact

Questions about this disclaimer: contact@utilityapp.lat.