Welcome to Smart Utility AI. By accessing and using this website (https://smartutilityai.com/) and its subfolders (/calculators/ and /tools/), you accept and agree to be bound by the following terms and conditions.

1. Use of the Website:
The calculators, tools, and content provided on this website are for general informational and utility purposes only. You agree to use the site only for lawful purposes and in a manner that does not infringe the rights of others.

2. Intellectual Property:
All original code, design frameworks, branding, logos, and content created by Smart Utility AI are the property of the website owner. You may not reproduce, distribute, or commercially exploit any material without explicit written permission.

3. Client-Side Operations & Limitation of Liability:
Our utility tools and financial solvers operate strictly on client-side computing (within your web browser). While we strive for 100% mathematical and operational accuracy, Smart Utility AI carries no liability for any financial, mathematical, or health decisions made based on the outputs of our tools. All calculations should be cross-verified independently.

4. Changes to Terms:
We reserve the right to modify these terms at any time without prior notice. Continued use of the website implies acceptance of the updated terms.