Terms of Use

Last updated: 29/07/2026

By accessing or using Smart Utilities Hub (the "Site"), operated by Organically Grown, you agree to these Terms of Use. If you do not agree, please do not use the Site.

1. Description of Service

Smart Utilities Hub provides free online calculators, converters, and utility tools for general informational and convenience purposes.

2. Not Professional Advice

The tools on this Site — including but not limited to financial calculators (mortgage, tax, retirement, investment, and similar tools) and health calculators (BMI, calorie needs, and similar tools) — are provided for general informational and educational purposes only. They do not constitute financial, tax, legal, medical, or other professional advice, and should not be relied upon as a substitute for consultation with a qualified professional. Always seek the advice of a doctor, financial advisor, tax professional, or other qualified provider regarding any decisions related to your health, finances, or legal matters.

3. Accuracy of Calculations

We make genuine efforts to verify the accuracy of our tools' calculations against independent, authoritative reference sources. However, we make no warranty, express or implied, that any calculation, conversion, or result provided by the Site is complete, current, or error-free. Formulas, tax figures, and other reference data may change over time. You use all tools and results at your own risk, and you are responsible for independently verifying any output before relying on it for an important decision.

4. Acceptable Use

You agree not to: misuse the Site or attempt to disrupt its normal operation; attempt to reverse-engineer, scrape at scale, or extract the Site's underlying code or data beyond normal browser use; use any automated system to access the Site in a manner that sends more request traffic than a human could reasonably generate; or use the Site for any unlawful purpose.

5. Intellectual Property

The Site's design, branding, and underlying code are the property of Organically Grown, except where third-party libraries or services are used under their own respective licenses. You may not reproduce, redistribute, or create derivative works from the Site's content without permission.

6. Third-Party Services and Links

The Site may use or link to third-party services (including exchange rate data providers and advertising networks). We are not responsible for the content, accuracy, or privacy practices of any third-party service.

7. Disclaimer of Warranties

The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

8. Limitation of Liability

To the fullest extent permitted by law, Organically Grown shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Site or any calculation or result it provides.

9. Changes to These Terms

We may revise these Terms of Use at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

10. Governing Law

These Terms are governed by the laws of South Africa, without regard to conflict-of-law principles, without prejudice to any mandatory consumer protections that may apply in your own jurisdiction.

11. Contact Us

Questions about these Terms can be directed to: hello@smartutilitieshub.com