Terms of Service

Last updated: September 07, 2025

These Terms of Service ("Terms", "Terms of Service") govern your use of our website located at utility.financial and our mobile application Utility (together, or individually, "Service") operated by Utility Financial, Inc. ("us", "we", or "our").

Please read these Terms of Service carefully before using our Service.

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using our Service you agree to be bound by these Terms. If you disagree with any part of these terms then you may not access the Service.

Definitions

For the purposes of these Terms of Service:

Company (referred to as either "the Company", "we", "us" or "our") refers to Utility Financial, Inc., 131 Continental Dr, Suite 305, Newark, DE 19713.

Service refers to the website and mobile application.

You refers to the individual accessing or using the Service.

Account means a unique account created for You to access our Service.

Use of Service

Eligibility

You must be at least 18 years old to use our Service. By using the Service, you represent and warrant that you meet this age requirement.

Account Registration

To access certain features of the Service, you may be required to create an account. You agree to:

  • Provide accurate, current, and complete information

  • Maintain and update your information as necessary

  • Keep your login credentials secure and confidential

  • Be responsible for all activities under your account

Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any applicable laws

  • Interfere with or disrupt the Service or servers connected to the Service

  • Attempt to gain unauthorized access to any portion of the Service

  • Upload or transmit malicious code, viruses, or other harmful materials

  • Impersonate any person or entity or misrepresent your affiliation

  • Collect or harvest any personally identifiable information from the Service

  • Use automated means to access the Service without our express written permission

Intellectual Property Rights

The Service and its original content, features and functionality are and will remain the exclusive property of Utility Financial, Inc. and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

User Content

Our Service may allow you to post, link, store, share and otherwise make available certain information, text, graphics, or other material ("Content"). You are responsible for Content that you post to the Service, including its legality, reliability, and appropriateness.

By posting Content to the Service, You grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through the Service.

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

Prohibited Uses

You may not use our Service:

  • For any unlawful purpose or to solicit others to perform or participate in any unlawful acts

  • To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances

  • To infringe upon or violate our intellectual property rights or the intellectual property rights of others

  • To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate

  • To submit false or misleading information

Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the Service.

Disclaimer

The information on this Service is provided on an "as is" basis. To the fullest extent permitted by law, this Company:

  • Excludes all representations and warranties relating to this Service and its contents

  • Does not warrant that the functions contained in this Service will be uninterrupted or error-free

  • Does not warrant that defects will be corrected, or that this Service or the server that makes it available are free of viruses or bugs

Limitation of Liability

In no event shall Utility Financial, Inc., nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

Governing Law

These Terms shall be interpreted and governed by the laws of the State of Delaware, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

Contact Information

If you have any questions about these Terms of Service, please contact us: