Terms of Use
Last updated: October 2026
These terms describe the conditions for using the UtilityRanch website. By using the website, you agree to these terms.
Use of the website
You may use the website for lawful personal or internal business purposes. You must not interfere with the operation or security of the website, attempt to access restricted systems, or use the website for unlawful purposes.
General information, not professional advice
The website, its articles, calculators, templates and other content provide general information only. They do not constitute financial, investment, legal, tax or other professional advice. Individual circumstances vary, and you should obtain appropriate professional advice when making important decisions.
Calculators, tools and results
Results from the calculators, planners and converters depend on the information you enter and the assumptions each one uses. Results may be rounded, estimated or simplified. You are responsible for checking your inputs and verifying important results before relying on them.
Files in the Tools section
The PDF and file tools process your files in your own browser and create a new file on your device. Your original files are not changed. Check the finished file before you use or share it, and keep copies of important originals. You are responsible for having the right to use the files you process.
Accuracy of information
Reasonable efforts are made to keep the website useful and accurate, but UtilityRanch does not guarantee that all content, calculations or results are complete, current or free from errors.
Third-party information and links
Some information, such as exchange rates, may be supplied by third-party services. UtilityRanch does not control their availability or accuracy. Links to external websites are provided for convenience and do not imply endorsement.
Intellectual property
You may use the website and its outputs for personal or internal business purposes. Files and results you create with the calculators and tools are yours to use. You may not reproduce, redistribute, sell or present the website's content, templates or tools as your own without permission.
Availability and changes
UtilityRanch may update, change, suspend or remove parts of the website at any time. Continuous or uninterrupted availability is not guaranteed.
Limitation of liability
To the extent permitted by applicable law, UtilityRanch is not responsible for losses or damages arising from reliance on the website, its content or calculator results. Nothing in these terms excludes or limits any liability or consumer right that cannot lawfully be excluded or limited.
Paid products
Everything on the website is currently free to use, and nothing can be bought yet. Some planners have a premium version that can be tried in preview mode, and selling these is planned for the future. Before purchasing opens, the price, what the purchase includes and separate purchase terms covering payment, delivery, refunds and the right of withdrawal will be published, and these terms will be updated.
Changes to these terms
These terms may be updated when the website or its services change. The latest version will be published on this page.
Applicable law
These terms are governed by the laws of Finland. This does not remove any mandatory consumer protection that may apply under the laws of a consumer's country of residence.
Contact
If you have questions about these terms, email us at the address below or use the Contact page.