Terms of Service
These terms govern your use of Utilia and its free online tools. They're written to be readable — not to hide anything. Please take a few minutes to read them.
Last updated: · Effective:
TL;DR Summary
- · Utilia's tools are completely free — no account, no payment, no catch.
- · Tools are provided "as is" — we don't guarantee accuracy, especially for currency rates.
- · Nothing here is financial or medical advice. Always consult a qualified professional for important decisions.
- · Don't use Utilia for anything illegal, harmful, or abusive.
- · Our liability is limited — free tools come without warranty.
1.Acceptance of Terms
By accessing or using utilia.ink (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.
These Terms apply to all visitors and users of the Service. By using any part of the website — including browsing pages, using tools, or accessing content — you confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy, which is incorporated herein by reference.
If you are using the Service on behalf of an organisation, you represent and warrant that you have authority to bind that organisation to these Terms.
2.Service Description
Utilia is a free online utility platform providing the following tools:
We may add, modify, or remove tools at any time without notice. We are under no obligation to provide any specific feature or maintain any particular tool indefinitely.
3.Free Access & No Account Required
All tools on Utilia are provided free of charge. No account, registration, subscription, or payment is required to use any part of the Service.
We reserve the right to introduce optional paid features, premium plans, or account-based functionality in the future. Any such additions will be clearly communicated and will not remove access to the core free tools.
No account means no contract
Because you don't create an account, there is no subscription to cancel and no personal account data to delete. You may simply stop using the Service at any time.
4.Acceptable Use Policy
You may use the Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:
We reserve the right to suspend or block access to the Service for any user or IP address we determine, at our sole discretion, to be in violation of this policy or these Terms.
5.Intellectual Property
The Utilia name, logo, brand identity, and original website design are our intellectual property and may not be reproduced, distributed, or used without our prior written permission.
Open-source foundation
The Service is built on open-source software. Where third-party open-source libraries are used, their respective licenses apply to those components and are not superseded by these Terms.
User content
You do not submit any content to Utilia — all tool inputs are processed entirely within your browser and are never transmitted to us. Accordingly, no user content license is required or granted.
Blog content
All original articles and blog posts on utilia.ink are © Utilia. You may share excerpts with attribution, but may not reproduce entire articles without written permission.
6.Disclaimer of Warranties ("As Is")
Important Disclaimer
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.
To the maximum extent permitted by applicable law, Utilia expressly disclaims all warranties, including but not limited to:
Some jurisdictions do not allow the exclusion of implied warranties. In such jurisdictions, the above exclusions apply to the fullest extent permitted by law.
7.Limitation of Liability
Liability Cap
TO THE MAXIMUM EXTENT PERMITTED BY LAW, UTILIA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
This includes but is not limited to damages for loss of profits, loss of data, loss of goodwill, service interruption, computer damage or system failure, or the cost of substitute services — even if Utilia has been advised of the possibility of such damages.
In jurisdictions where limitation of consequential damages is not permitted, our liability is limited to the greatest extent permitted by applicable law.
Aggregate liability cap
Because the Service is provided free of charge, our total aggregate liability to you for all claims arising out of or relating to these Terms or the Service shall not exceed €10 (ten euros). This cap reflects the free nature of the Service.
Nothing in these Terms limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded by law.
8.Not Financial or Medical Advice
Nothing on Utilia constitutes, or should be construed as:
Financial advice
Currency conversion results are reference figures only. They are not investment recommendations, exchange rate predictions, or advice on when to buy or sell currency.
Medical advice
BMI is a general screening tool with well-documented limitations. Results do not constitute a diagnosis, health assessment, or recommendation for any medical treatment.
Legal advice
Nothing on this site constitutes legal advice. These Terms are informational and do not create a solicitor-client or attorney-client relationship.
Professional advice
Always consult a qualified professional — a financial adviser, doctor, or solicitor — before making important decisions involving money, health, or legal matters.
9.External Data Sources
Some features of the Service depend on data provided by third-party sources. We use this data in good faith but do not control it and cannot guarantee its accuracy, completeness, timeliness, or availability.
European Central Bank (ECB)
ECB Rates ↗Currency rates are sourced from the ECB via the Frankfurter API. ECB reference rates are published once per business day and may not reflect real-time market rates or rates available from banks, brokers, or exchange services. They are not transaction rates.
Frankfurter API
The Frankfurter API is an open-source service that proxies ECB data. We are not affiliated with it and cannot guarantee its uptime or continued availability. If the API is unavailable, currency conversion may temporarily be unavailable.
Utilia is not responsible for any decisions, losses, or consequences arising from reliance on data sourced from third parties.
10.Service Availability
We strive to keep Utilia available around the clock, but we do not guarantee uninterrupted access. The Service may be temporarily unavailable due to:
We reserve the right to discontinue or substantially modify the Service at any time. We will endeavour to provide advance notice for planned outages or major changes, but are under no obligation to do so.
11.Governing Law & Jurisdiction
These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter or formation shall be governed by and construed in accordance with applicable law.
EU Consumer rights
If you are a consumer resident in the European Union, you benefit from any mandatory provisions of the law of your country of residence. Nothing in these Terms affects your rights as a consumer under applicable EU consumer protection law, including Directive 2011/83/EU.
Online dispute resolution
EU residents may use the European Commission's Online Dispute Resolution platform for resolving disputes: ec.europa.eu/consumers/odr ↗. We are not obligated to participate in dispute resolution through this platform, but we will endeavour to resolve any concerns informally and promptly.
12.Severability & Entire Agreement
Severability
If any provision of these Terms is held by a court of competent jurisdiction to be invalid, unenforceable, or illegal, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it enforceable.
Entire agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Utilia regarding your use of the Service, and supersede any prior agreements, representations, or understandings.
No waiver
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision unless acknowledged and agreed to by Utilia in writing.
13.Changes to These Terms
We may revise these Terms at any time. The "Last updated" date at the top of this page reflects the most recent revision. We will make reasonable efforts to notify users of material changes — for example, by displaying a notice on the website.
Your continued use of the Service after updated Terms are posted constitutes your acceptance of those changes. If you do not agree to the revised Terms, please discontinue using the Service.
What constitutes a material change?
Material changes include modifications to disclaimers, limitations of liability, acceptable use restrictions, or intellectual property rights. Minor corrections, clarifications, or formatting changes do not constitute material changes and may be made without specific notice.
14.Contact Us
If you have any questions about these Terms, wish to report a violation, or need to contact us for any legal reason, please reach out:
We aim to respond to all legal enquiries within 15 business days.