Terms of Service

Effective Date: October 11, 2026 • Official Terms for UtilityHub

Welcome to UtilityHub (accessible at https://www.fycroo.com). By accessing or using our online tools, calculators, and educational guides, you agree to be bound by these Terms of Service. If you do not agree to these terms, please discontinue using the platform.

1. Permitted Free Use

UtilityHub grants you a revocable, non-exclusive, non-transferable, free license to use our web utilities for personal, educational, professional, and commercial workflows. We enforce:

• No Paywalls or Subscriptions: All utilities are free to use without login or signup.
• No Watermarks: All exported PDFs and images are clean and ready for official submission.
• Fair Usage: You agree not to deploy automated scrapers, bots, or rate-abuse scripts that disrupt website availability for other users.

2. Financial Calculators & Informational Disclaimer

Calculators provided on UtilityHub (including Home Loan EMI, Car Loan EMI, Personal Loan EMI, SIP, and Age Calculators) are offered strictly for educational, planning, and illustrative purposes:

• While our mathematical algorithms align with standard reducing balance and compounding formulas, actual interest rates, taxes, processing fees, and amortization schedules may vary across commercial banks and NBFCs.
• UtilityHub is not a registered financial advisory, banking institution, or lending agent. Always consult your bank or certified financial advisor before finalizing financial commitments.

3. Intellectual Property Rights

All site layout, branding, logos, graphics, instructional text, blog articles, and proprietary interface designs on UtilityHub are the intellectual property of UtilityHub and protected under applicable copyright and intellectual property laws.

4. Limitation of Liability

UtilityHub provides all utilities on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind. Under no circumstances shall UtilityHub or its operators be held liable for any direct, indirect, incidental, or consequential damages resulting from browser crashes, calculation discrepancies, or missed deadlines on external examination portals.

5. Contact and Support

For inquiries regarding these Terms of Service, please reach out via:

• Email: support@fycroo.com or contact@fycroo.com
• Online Contact: UtilityHub Contact Page