Terms of use

Last updated: October 22, 2026

By using Utilverso, you agree to these terms.

Using the tools

The tools are free for personal and commercial use. Don’t use the site for anything illegal or try to disrupt how it works.

Your files

The files you process remain yours. Since everything runs in your browser, we never receive or store them. You are responsible for having the right to use the content you process.

No warranty

The tools are provided "as is". We work to keep them reliable, but we don’t guarantee they are error-free or that a result meets a specific requirement (for example, the rules of an agency or a form). Check the result before relying on it for anything important, and keep a copy of your original file.

Calculations and simulations

Calculators and simulators give estimates for information only. They don’t replace advice from a professional (accountant, lawyer, doctor, banker).

Liability

To the extent permitted by law, Utilverso is not liable for any loss or damage arising from the use of the tools.

Changes

We may change these terms and the tools at any time. The date at the top shows the latest change.

Contact

Questions about these terms: contato@utilverso.com.