1. Acceptance of Terms

By accessing UtilityPick, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use the Service. You must be at least 13 years of age to use this website. If you are using the Service on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

2. Description of Service

UtilityPick provides free, browser-based utility tools including but not limited to:

• India Tax Calculator: An interactive tool that estimates income tax under the Indian New Tax Regime for Financial Year 2025-26 (Assessment Year 2026-27). This tool performs calculations client-side in your browser.
• Prompt Architect: An AI-powered tool that generates structured prompts for various AI models. This tool uses Google's Gemini AI API to process and generate content.

3. Use License and Restrictions

Permission is granted to use the tools and utilities on UtilityPick for personal, non-commercial purposes. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify, copy, or create derivative works based on UtilityPick's proprietary code or design
• Use any automated system or software to extract data from the website ("scraping") without written permission
• Attempt to decompile, reverse engineer, or disassemble any software contained on UtilityPick
• Use the Service for any unlawful purpose or to solicit the performance of any illegal activity
• Transmit any harmful code, viruses, or malicious software through our platform
• Overload, flood, or spam the Service in a manner that could impair its availability
• Use the Prompt Architect to generate content that violates applicable laws, promotes violence, or infringes on intellectual property rights

This license shall automatically terminate if you violate any of these restrictions and may be terminated by UtilityPick at any time. Upon termination, you must destroy any downloaded materials in your possession.

4. Disclaimer — Tax Calculator

The India Tax Calculator on UtilityPick is provided for informational and educational purposes only. While we strive for accuracy based on the provisions announced in the Union Budget 2025-26, we make no guarantees that the calculations are error-free or that they reflect the final enacted tax laws. Tax computations are estimates and may not account for all individual circumstances, employer-specific policies, or state-level variations. UtilityPick is not a registered tax advisory service. You should always consult a qualified Chartered Accountant or tax professional before making financial decisions based on information from our tools.

5. Disclaimer — AI Prompt Architect

The Prompt Architect tool generates AI prompts using Google's Gemini AI models. The output is generated by artificial intelligence and may contain inaccuracies, biases, or unexpected content. You are solely responsible for reviewing, validating, and using the generated prompts. UtilityPick does not guarantee the quality, accuracy, or appropriateness of AI-generated content. We are not responsible for how you use the generated prompts or the outcomes produced when those prompts are used with third-party AI services.

6. Intellectual Property

The content, design, code, graphics, interfaces, and overall look and feel of UtilityPick are owned by or licensed to UtilityPick and are protected by intellectual property laws. The UtilityPick name, logo, and associated branding are our trademarks. You may not use our trademarks without prior written consent. Content generated by the Prompt Architect tool is created by AI and is not claimed as our intellectual property — you are free to use generated prompts as you see fit.

7. Limitation of Liability

To the fullest extent permitted by applicable law, UtilityPick and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, business opportunities, or goodwill, arising out of or in connection with your use of the Service. Our total liability for any claim arising from your use of the Service shall not exceed the amount you paid us (which is zero, as our services are free). This limitation applies regardless of the legal theory on which the claim is based.

8. Third-Party Links and Services

UtilityPick may contain links to third-party websites, services, or advertisements 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 or services. Your interactions with third-party services (including Google AdSense advertisements) are governed by those services' own terms and policies.

9. Modifications to Terms

We reserve the right to modify or replace these Terms at any time. Material changes will be reflected by updating the "Last Updated" date at the top of this page. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts located in Pune, Maharashtra, India.