Terms & Conditions
Please read these terms carefully before using our services
1. Introduction & Acceptance
Last Updated: December 1, 2024
Welcome to CreditUtilizationCalculator.com ("Website," "Service," "we," "our," or "us"). These Terms and Conditions govern your use of our website and services. By accessing or using our Service, you agree to be bound by these Terms.
If you do not agree to these Terms, you must not access or use our Service. Continued use of the Service constitutes acceptance of any modifications to these Terms.
2. Service Description
2.1 What We Provide
CreditUtilizationCalculator.com provides:
- Free credit utilization ratio calculators
- Educational content about credit management
- Financial planning tools and resources
- Personalized credit improvement suggestions
2.2 Important Disclaimers
Important: Our Service provides educational information and calculation tools only. We are not financial advisors, and our Service does not constitute financial advice. Always consult with qualified financial professionals for personalized advice.
While we strive for accuracy, we cannot guarantee that all calculations and information are error-free. Users should verify important calculations independently.
3. User Responsibilities
3.1 Acceptable Use
You agree to use our Service only for lawful purposes and in accordance with these Terms. You must not:
- Use the Service in any way that violates applicable laws
- Engage in any fraudulent, deceptive, or harmful activities
- Attempt to gain unauthorized access to our systems
- Interfere with the proper functioning of the Service
- Use automated systems to access the Service excessively
3.2 Account Security
If you create an account with us, you are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Notifying us immediately of any unauthorized access
4. Intellectual Property
4.1 Ownership Rights
All content, features, and functionality available through our Service are owned by us and are protected by international copyright, trademark, and other intellectual property laws.
4.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our Service for personal, non-commercial purposes subject to these Terms.
You may not copy, modify, distribute, sell, or lease any part of our Service without our explicit written permission. Commercial use of our calculators or content requires prior authorization.
5. Privacy & Data Protection
5.1 Data Collection
Your privacy is important to us. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data.
5.2 Financial Data Security
Key Feature: All credit card calculations are processed locally in your browser. We never store sensitive financial information like credit card numbers, balances, or limits on our servers.
5.3 Cookies and Tracking
We use cookies and similar technologies as described in our Privacy Policy. By using our Service, you consent to our use of cookies.
6. Limitations of Liability
6.1 No Warranty
Our Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:
- The Service will be uninterrupted or error-free
- Calculations will be 100% accurate
- The Service will meet your specific requirements
6.2 Limitation of Liability
To the maximum extent permitted by law, CreditUtilizationCalculator.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the Service.
6.3 Financial Decision Responsibility
You acknowledge that any financial decisions you make based on information from our Service are your sole responsibility. We are not liable for any financial losses or damages resulting from such decisions.
7. Third-Party Services
7.1 External Links
Our Service may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for:
- The content, privacy policies, or practices of any third-party sites
- Any damage or loss caused by use of third-party services
7.2 Advertising
We use Google AdSense and other advertising networks to display ads. These third parties may use cookies and similar technologies to serve personalized ads.
We may receive compensation through advertising and affiliate partnerships. This does not influence our content, but we disclose these relationships for transparency.
8. User Rights & Obligations
Your Rights
Access our Service for personal use • Receive accurate calculations • Privacy protection • Access to educational content
Your Obligations
Use Service lawfully • Provide accurate information • Maintain account security • Respect intellectual property • Not misuse the Service
9. Termination
9.1 Termination by You
You may stop using our Service at any time. If you have an account, you may request deletion of your data as described in our Privacy Policy.
9.2 Termination by Us
We may suspend or terminate your access to our Service immediately, without prior notice, for conduct that we believe:
- Violates these Terms
- Violates applicable laws
- Could harm our Service or other users
- Involves fraudulent or abusive behavior
10. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of material changes by:
- Updating the "Last Updated" date at the top of these Terms
- Posting a notice on our website
- Where appropriate, sending email notifications
Your continued use of the Service after any changes constitutes acceptance of the modified Terms. Please review these Terms periodically for updates.
11. Governing Law & Dispute Resolution
11.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Your Country/State], without regard to its conflict of law provisions.
11.2 Dispute Resolution
Any disputes arising from these Terms or your use of our Service shall be resolved through:
- Informal negotiation between parties
- Mediation or arbitration, if necessary
- Legal proceedings only as a last resort
12. Contact Information
For questions about these Terms and Conditions, please contact us:
Email: legal@creditutilizationcalculator.com
Response Time: We typically respond to legal inquiries within 5-7 business days
Urgent Matters: Please mark urgent legal matters clearly in your email subject line
Need Help Understanding Our Terms?
If you have any questions about these Terms and Conditions, please don't hesitate to contact us:
Legal Department: legal@creditutilizationcalculator.com
We're here to help clarify any aspect of our Terms and Conditions.