Legal Terms

Terms of Service

Effective Date: August 18, 2026 • Version 1.0.0

1. Acceptance of Terms

By downloading, installing, accessing, or using the Utilio mobile application ("App"), you agree to be bound by these Terms of Service. If you do not agree with any portion of these terms, please discontinue use of the App.

2. Freemium Model & In-App Upgrades

Utilio is distributed under a freemium model:

3. Health & Medical Information Disclaimer

⚠️ Medical Notice: All wellness tools (BMI calculator, breathing exercises, sleep logs, hydration trackers, and meditation timers) are designed exclusively for general wellness and educational purposes. Utilio is NOT a certified medical device and does NOT offer clinical diagnoses, treatment recommendations, or medical advice. Always consult a qualified medical doctor before altering your health regimen.

4. Financial & Investment Data Disclaimer

⚠️ Financial Notice: Stock market prices, loan EMI calculations, bill splitters, and tax estimators are provided for estimation and educational purposes only. Utilio is NOT a registered financial adviser, broker, or tax consultant. We do not guarantee market feed accuracy and are not responsible for financial decisions made using this data.

5. Limitation of Liability

Utilio is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind. To the fullest extent permitted by applicable law, the developer shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use or inability to use the App.

6. Intellectual Property & Acceptable Use

All graphical assets, icons, interface designs, codebases, and brand elements of Utilio are the exclusive property of Tanim Sarwar. You agree not to reverse-engineer, modify, or distribute unauthorized copies of the App.

7. Contact Information

For any questions regarding these Terms of Service, please reach out to: