Terms of Use

01 Acceptance of terms

By accessing or using utahmoneytools.com (the “Site”), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

We reserve the right to update these terms at any time. Continued use of the Site following any changes constitutes your acceptance of the revised terms. The effective date at the top of this page reflects the most recent update.

02 Informational use only

All calculators, estimators, and tools on this Site are provided for general informational and educational purposes only. They are designed to help you think through financial scenarios — not to provide definitive answers or replace professional guidance.

03 Accuracy of information

We make reasonable efforts to ensure that the tax rates, thresholds, credits, and other figures used in our calculators are current and accurate. However, tax laws and regulations change frequently, and we cannot guarantee that all information on this Site is complete, accurate, or up to date at the time you use it.

Always verify important figures directly with the Utah State Tax Commission, the IRS, or a qualified professional before making financial decisions.

04 No professional advice

Nothing on this Site constitutes tax advice, financial advice, legal advice, or any other form of professional advice. Use of the Site does not create any professional-client relationship between you and Utah Money Tools.

We strongly encourage you to consult a qualified CPA, tax attorney, or financial advisor before making significant financial decisions.

05 Limitation of liability

To the fullest extent permitted by applicable law, Utah Money Tools and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or reliance on, any information or tool provided on this Site.

This includes, without limitation, any errors or omissions in calculator results, any decisions made based on those results, or any interruption or unavailability of the Site.

06 Intellectual property

All content on this Site — including but not limited to text, calculator logic, design, and code — is the property of Utah Money Tools and is protected by applicable copyright and intellectual property laws.

You may use the tools on this Site for your own personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written permission.

07 Third-party links

This Site may contain links to third-party websites, including government agencies, financial institutions, and affiliate partners. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Some links on this Site may be affiliate links, meaning we may earn a small commission if you click through and take action. This never affects the accuracy of our calculators or the objectivity of our content.

08 Changes to these terms

We may update these Terms of Use from time to time to reflect changes in our practices, tools, or applicable law. When we do, we will update the effective date at the top of this page. We encourage you to review these terms periodically.

09 Governing law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law provisions.

10 Contact

If you have questions about these Terms of Use, please reach out using our contact form.