Terms of use

By accessing or using Utility Row, you agree to these terms.

Utility Row is a public information resource. It is not a bank, lender, broker, investment adviser, tax preparer, accounting firm, or law firm.

You may use the site for personal, editorial, educational, or ordinary business reference purposes.

• Do not use the site for unlawful, deceptive, or fraudulent purposes.
• Do not interfere with site availability, bypass technical protections, or automate access in a way that harms performance.
• Do not scrape, mirror, or rehost the site in a way that substitutes for the original service or burdens the infrastructure.
• Do not generate fake clicks, invalid traffic, or any other activity intended to manipulate advertising, search signals, or analytics.

Calculator results, examples, and written explanations are provided for general information only.

You are responsible for checking the assumptions, formulas, and inputs on any page before relying on an estimate in a personal, financial, or business decision.

Unless otherwise stated, the site's design, branding, written content, and calculator presentation are protected by applicable intellectual-property law.

You may link to public pages, but you may not republish substantial portions of the site, present the content as your own, or use the Utility Row name in a misleading way.

The site may also link to third-party services or resources. Those links are provided for convenience and do not by themselves mean Utility Row endorses the third party.

The site is provided on an as-is and as-available basis without warranties of accuracy, completeness, availability, merchantability, fitness for a particular purpose, or non-infringement.

To the fullest extent permitted by applicable law, Utility Row is not liable for losses or damages arising from use of, inability to use, or reliance on the site. That includes losses tied to calculator outputs, missed opportunities, service interruptions, third-party services, or data loss.

Calculators, explanations, policies, page URLs, and site features may be updated, removed, suspended, or reorganized at any time.

If these terms change, the updated version will be posted on this page. Continued use of the site after a revision means you accept the updated terms.