Terms of Service

Updated: August 23, 2026

By using Bob's Utility Hub, you agree to use these tools lawfully and at your own risk.

Utility results

Tools are provided for general informational and productivity purposes. Results may contain errors and should be independently verified when accuracy is important. The mortgage/debt calculator is an estimate and is not financial advice or an official lender payoff statement.

File tools

You are responsible for having the right to process any files you select. Do not use the service to violate law, privacy rights, copyright, contractual restrictions, or third-party terms.

Availability

Tools are provided “as is” without a guarantee that they will be uninterrupted, error-free, or compatible with every device or file.

Abuse

Do not attempt to overload, disrupt, probe, or misuse the website or its hosting infrastructure.