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Terms & Conditions

Last Updated: June 2, 2026

Welcome to GlobalUtilityHub. These Terms & Conditions (“Terms”) govern your use of globalutilityhub.com and its tools, calculators, converters, and other features (the “Service”), owned and operated by Sandesh Dhulekar, based in Mumbai, India(“we,” “our,” or “us”).

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. Use of the Service

GlobalUtilityHub provides free online tools for general informational and personal use. You may use the Service for lawful purposes only. You agree not to:

  • Use the Service in any way that violates applicable laws or regulations.
  • Attempt to disrupt, overload, or impair the Service or its servers.
  • Use automated systems (bots, scrapers) to access the Service in a manner that sends more requests than a human could reasonably produce, or that degrades the Service for others.
  • Reproduce, duplicate, copy, or resell any part of the Service for commercial purposes without our written permission.

We may suspend or restrict access to anyone who misuses the Service, at our discretion.

2. Informational Purpose Only — No Professional Advice

The tools on GlobalUtilityHub — including but not limited to financial calculators (such as mortgage, loan, EMI, and compound interest calculators) and health-related calculators (such as BMI and calorie calculators) — are provided for general informational and educational purposes only.

They do not constitute professional financial, investment, tax, legal, medical, or health advice. Results are estimates based on the inputs you provide and standard formulas, and may not reflect your individual circumstances, current rates, regulations, or other relevant factors.

You should not rely on any result from the Service as the sole basis for any financial, health, legal, or other decision. Always consult a qualified professional— such as a financial advisor, accountant, attorney, or healthcare provider — before making decisions that may affect your finances, health, or legal standing.

3. Accuracy and Availability

We work to keep our tools accurate and based on recognized, published formulas, and we document the methodology on each tool's page where applicable. However, we do not warrant that:

  • Results will be error-free, complete, or current at all times.
  • The Service will be uninterrupted, secure, or free of bugs.
  • Any tool will meet your specific requirements.

We may update, modify, suspend, or discontinue any part of the Service at any time without notice.

4. Disclaimer of Warranties

The Service is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. Your use of the Service is at your own risk.

5. Limitation of Liability

To the fullest extent permitted by law, Sandesh Dhulekar and GlobalUtilityHub shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages— including but not limited to financial loss, loss of data, loss of profits, or any decision made or action taken in reliance on the Service or any result it produces — arising out of or in connection with your use of, or inability to use, the Service, even if we have been advised of the possibility of such damages.

Where liability cannot be excluded by law, it is limited to the maximum extent permitted.

6. Third-Party Content and Advertising

The Service displays advertising provided by Google AdSense and may contain links to third-party websites. We do not control and are not responsible for the content, products, services, or privacy practices of advertisers or third-party sites. Your interactions with them are solely between you and that third party. See our Privacy Policy for how advertising data is handled.

7. Intellectual Property

The Service — including its design, text, tools, code, logos, and original content — is owned by Sandesh Dhulekar and is protected by applicable intellectual property laws. You may use the tools for personal purposes but may not copy, redistribute, or create derivative works from the Service without our written permission.

8. Changes to These Terms

We may revise these Terms from time to time. Material changes will be posted on this page with an updated “Last Updated” date. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

9. Governing Law

These Terms are governed by the laws of India, without regard to conflict-of-law principles. Subject to applicable mandatory consumer protection laws of your country of residence, any disputes arising from these Terms or your use of the Service shall be subject to the jurisdiction of the courts of Mumbai, Maharashtra, India.

10. Contact

Questions about these Terms? Reach us via the Contact page or at contact@globalutilityhub.com.