Terms of Service
Effective Date: November 22, 2025
By accessing or using this website located at Universal Tools (this site), you agree to be bound by the following terms and conditions. If you do not agree with these terms, please do not use this site.
1. General Use
This site provides free online calculators, converters, and other informational tools for general use. All content and tools are provided for information and convenience only and are not tailored to your personal situation.
2. No Professional Advice
The content and calculations on this site do not constitute medical, legal, financial, tax, investment, or any other professional advice. Results are estimates and should not be used as the sole basis for important decisions.
You should always consult a qualified professional before making decisions that could affect your health, finances, legal position, or other important matters.
3. Accuracy and Availability
We make reasonable efforts to keep the tools and information accurate and up to date. However, we do not guarantee that:
- Any result or calculation will be accurate, complete, or suitable for your specific circumstances
- The site will be available at all times or free from errors, interruptions, or technical issues
You use this site and rely on any result or information at your own risk. You should always double check important figures and verify calculations independently.
4. Limitation of Liability
To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, special, consequential, or punitive loss or damage arising from or related to:
- Your use of this site or inability to use this site
- Your reliance on any calculation, result, or information provided
- Any error, omission, interruption, defect, delay, or technical issue
- Any content, product, service, or website of any third party that you access through this site
5. External Links and Third Party Content
This site may include links, banners, or advertisements that lead to third party websites or services. These are provided for convenience only. We do not control and are not responsible for:
- The content, accuracy, or policies of third party websites
- Any products, services, or offers provided by third parties
Your use of third party websites is subject to their own terms and policies.
6. Advertising and Affiliate Links
This site may display advertisements or include affiliate links. If you click on an ad or affiliate link and make a purchase or sign up for a service, we may receive a small commission or benefit at no extra cost to you.
Advertising and affiliate links do not change our commitment to present tools in a neutral and clear manner.
7. User Responsibilities
When using this site, you agree to:
- Use the tools and information only for lawful purposes
- Not attempt to disrupt, overload, or reverse engineer the site or its services
- Evaluate whether any result or information is suitable for your own situation
- Comply with all laws and regulations that apply to you in your country or region
8. Intellectual Property
The layout, design, text, and other content on this site are owned by us or our licensors, unless otherwise stated. You may use the site for personal, non commercial purposes. You may not copy, reproduce, or redistribute substantial parts of the site without prior permission, except where allowed by law.
9. Changes to the Site and These Terms
We may modify, update, or remove any part of this site at any time without prior notice. We may also update these Terms of Service from time to time.
The latest version will be posted on this page with an updated effective date. Your continued use of the site after changes are posted means you accept the updated terms.
10. Governing Law
These terms are governed by and interpreted according to the laws that apply in the country or region where the site owner is based, without regard to conflict of law rules. Any dispute will be handled by the appropriate courts in that jurisdiction, unless local law requires otherwise.
11. Contact
If you have questions about these Terms of Service, you may contact us through the contact page on this site.
Last updated: November 2025