Terms of Service

Last Updated: January 2026

1. Introduction

Welcome to Utility Hub. By accessing this website, we assume you accept these terms and conditions. Do not continue to use Utility Hub if you do not agree to take all of the terms and conditions stated on this page.

2. Disclaimer of Warranties (The "Use at Your Own Risk" Clause)

The materials on Utility Hub are provided on an 'as is' basis. While we strive to keep our calculators (M-Pesa tariffs, Tax rates, Freelance fees) up to date with the latest 2025/2026 regulations, we make no warranties regarding the accuracy, reliability, or completeness of these calculations.

Financial rates change frequently. You should verify all results with official sources (e.g., Safaricom, KRA, or Upwork official documentation) before making financial decisions.

3. Limitation of Liability

In no event shall Utility Hub or its developers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Utility Hub.

4. Intellectual Property

The code, design, and logic of this website are the intellectual property of Utility Hub. You may not republish, sell, rent, or duplicate material from this website without permission.

5. Changes to Terms

We reserve the right to amend these terms at any time. By continuing to use the site, you agree to be bound by the current version of these terms.

6. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Kenya and you irrevocably submit to the exclusive jurisdiction of the courts in that location.