Terms & Conditions

1. Acceptance of terms

These Terms & Conditions ("Terms") govern your use of the PayUtility website and all tools and services available at payutility.site (collectively, the "Service"). 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.

2. Description of the Service

PayUtility provides browser-based calculators that estimate payment processing fees, currency conversion markups and invoice amounts for third-party payment gateways including PayPal, Stripe, Wise, Payoneer and wire transfers, a currency converter with live mid-market rates, and a PDF invoice builder. All tools run locally in your browser.

3. Advertising

The Service is free to use and is supported by third-party advertising (currently Google AdSense). By using the free Service you agree that advertising may be displayed on pages you visit. We design pages so ads never cover calculator inputs, buttons or results, but you are nonetheless responsible for your own use of the Service and any third-party sites you visit through ads.

4. Paid "Pro" plan

To remove advertising, PayUtility offers a one-time, lifetime "Pro" plan (see the pricing page). By purchasing Pro you agree to the following:

• Payment processing. Payments are processed by Razorpay under Razorpay's own terms and privacy policy. PayUtility receives only a confirmation that a payment was completed.
• What Pro includes. Removal of advertising on the Service and brand-free PDF invoice downloads. It does not include any financial, legal or tax advice.
• Device-level unlock. Pro is currently unlocked on the browser and device where the purchase was completed (stored in that browser's local storage). Clearing your browser data may remove the unlock; we can restore it if you contact us with your Razorpay payment ID.
• No automatic renewal. Pro is a one-time purchase and does not renew or auto-bill.
• Refunds. Because Pro is an instant digital unlock, purchases are generally non-refundable. If you believe a purchase was made in error or the Service is unavailable, contact us and we will review the request.

5. Estimates, not financial advice

The Service provides informational estimates only and does not constitute financial, legal, accounting or tax advice. The conversion math combines live mid-market exchange rates, published gateway rate cards and estimated FX spreads; fees, exchange rates and gateway pricing change frequently. You are solely responsible for verifying any result with your payment provider before relying on it. We make no warranty that any calculation is complete, accurate or up to date.

6. No endorsement

References to PayPal, Stripe, Wise, Payoneer, Razorpay and other providers are for comparison purposes only and do not constitute an endorsement of, or affiliation with, any third-party product or service. All third-party names and marks belong to their respective owners.

7. Acceptable use

You agree not to misuse the Service, including by attempting to disrupt, overload, scrape or reverse engineer any part of it, or by using it for any unlawful purpose.

8. Intellectual property

The Service, including its design, text, graphics and software, is the property of PayUtility and is protected by applicable intellectual property laws. You may use the Service for your own business and personal purposes but may not copy, resell or redistribute it without permission.

9. 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 and fitness for a particular purpose.

10. Limitation of liability

To the maximum extent permitted by law, PayUtility shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of the Service.

11. Changes to the Service or Terms

We may modify, suspend or discontinue any part of the Service, or revise these Terms, at any time without prior notice. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

12. Governing law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which PayUtility is operated, without regard to conflict-of-law principles.

13. Contact

For questions about these Terms, contact us via the contact page.