Terms & Conditions

1. Introduction

These Terms & Conditions govern your access to and use of The Project Jugaad Utilities, available at utilities.theprojectjugaad.com.

These Terms apply to the Utilities portal and its tools, calculators, converters, generators, image utilities, developer utilities, games, content, downloads, sharing features, and related functionality.

In these Terms:

• "Utilities portal," "website," "site," "we," "us," and "our" refer to The Project Jugaad Utilities and its operator, as applicable.
• "User," "you," and "your" refer to any person who accesses or uses the Utilities portal.
• "Tool" includes any calculator, converter, generator, formatter, validator, image helper, game, or other feature made available through the Utilities portal.

2. Acceptance of these Terms

By accessing, browsing, or using the Utilities portal, you confirm that you have read, understood, and agreed to:

• These Terms & Conditions
• The Utilities portal Privacy Policy
• Any tool-specific notice or disclaimer displayed on a page
• Any consent choices you make through the website.

If you do not agree with these Terms, you must stop using the Utilities portal.

Your continued use of the Utilities portal after an updated version of these Terms becomes effective constitutes acceptance of the revised Terms, subject to any additional consent required by applicable law.

3. Scope of these Terms

These Terms apply only to the Utilities portal available at: utilities.theprojectjugaad.com

They do not automatically apply to other websites, portals, applications, products, or services operated under The Project Jugaad name.

A particular page, tool, game, promotion, or integration may include additional terms or notices. Those additional terms form part of these Terms for that specific feature.

Where a tool-specific notice directly conflicts with these general Terms, the more specific notice will apply to that tool or feature to the extent of the conflict.

4. Privacy Policy

Your use of the Utilities portal is also governed by its separate Privacy Policy.

The Privacy Policy explains matters including:

• Information that may be collected
• Browser and device information
• Contact form submissions
• Cookies and similar technologies
• Local browser storage
• Analytics
• Google reCAPTCHA
• Google AdSense and advertising services
• Third-party services
• Data security
• Data retention
• Your available privacy rights and choices.

The Privacy Policy of the Utilities portal applies only to information processed in connection with the Utilities portal unless it expressly states otherwise.

5. Related websites and separate legal terms

The Utilities portal may contain links to other websites, applications, products, or portals operated by or associated with The Project Jugaad.

These may include:

• The main The Project Jugaad website at www.theprojectjugaad.com
• The Furniture Billing portal at billing.theprojectjugaad.com
• Other websites, portals, products, or services that may be introduced in the future.

These websites and portals may have their own:

• Terms & Conditions
• Privacy Policies
• Cookie notices
• Subscription conditions
• Refund or cancellation terms
• Account requirements
• Service-specific disclaimers
• Other legal notices.

When you leave the Utilities portal and visit another website or portal, your use of that destination is governed by the legal terms and privacy policy published on that destination.

These Utilities Terms do not govern:

• Accounts created on the Furniture Billing portal
• Trials, subscriptions, payments, invoices, quotations, or business records managed through the Furniture Billing portal
• Services requested through the main The Project Jugaad website
• Software-development or professional-service engagements
• Information independently submitted to another website or portal
• Transactions completed through another service.

Similarly, the Terms or Privacy Policy of the main website or Furniture Billing portal do not automatically govern your use of the Utilities portal unless expressly stated.

Related websites may share branding, ownership, contact information, service providers, or technical infrastructure. Such common elements do not merge the websites into one service or make one website's legal terms automatically applicable to another.

Information entered into one website or portal should not be assumed to be available in, transferred to, or synchronized with another website or portal unless you are expressly informed that such sharing or integration occurs.

You should review the applicable Terms and Privacy Policy whenever you access another website or portal.

6. Eligibility and general audience

The Utilities portal is intended for a general audience.

You must be legally capable of agreeing to these Terms under the laws that apply to you.

Where a user is below the age at which they may independently agree to online terms, they may use the Utilities portal only with the permission and supervision of a parent or legal guardian.

Parents and guardians are responsible for deciding whether a tool, game, advertisement, external link, generated result, shared output, or downloaded file is suitable for a child or household member.

7. What the Utilities portal provides

The Utilities portal provides free browser-based functionality that may include:

• Calculators and converters
• Date, age, time, percentage, and measurement tools
• Text, code, formatting, and developer utilities
• QR code tools
• Password and security-related helpers
• Image resizing, compression, conversion, or editing helpers
• Random pickers and decision tools
• Casual browser games and puzzles
• Result cards and generated summaries
• Copy, download, print, or sharing options
• Presets, preferences, history, or recent results
• Saved or unfinished game progress
• Informational content related to the tools and games.

Available features may change over time.

Unless expressly stated otherwise, the Utilities portal does not provide:

• Certified calculations
• Official government records
• Professional advice
• Guaranteed data storage
• Permanent file hosting
• User account backup services
• Legally verified documents
• Guaranteed acceptance of an output by another organisation or system.

8. General-use disclaimer

The Utilities portal and its tools, games, content, calculations, and generated outputs are provided for general information, convenience, education, and entertainment only.

Nothing available through the Utilities portal constitutes professional:

• Financial advice
• Investment advice
• Lending advice
• Legal advice
• Medical or healthcare advice
• Tax or accounting advice
• Engineering or architectural advice
• Real estate advice
• Insurance advice
• Cybersecurity advice
• Regulatory or compliance advice
• Other specialist advice.

You must independently verify any important result with an official source, qualified professional, applicable authority, or relevant institution before acting on it.

9. Calculator, converter, and generator limitations

Tools may rely on:

• Information entered by you
• Simplified formulas
• General assumptions
• Preset values
• Browser APIs
• Third-party software libraries
• Device settings
• Language or regional settings
• Date and time settings
• Rounding methods
• Conversion factors
• Compression settings
• Technical limitations.

An output may therefore be:

• Incomplete
• Incorrect
• Rounded
• Outdated
• Unsuitable for your circumstances
• Affected by incorrect input
• Different from an official result
• Incompatible with another system.

You are responsible for checking all:

• Inputs
• Units
• Rates
• Dates
• Time zones
• Formulas
• Assumptions
• Calculations
• Generated content
• Final outputs.

You must not rely solely on a result where an error could cause financial loss, legal consequences, health risks, regulatory non-compliance, property damage, or harm to another person.

10. Financial, EMI, tax, GST, and business tools

Financial, EMI, interest, percentage, billing, tax, GST, or business-related utilities are simplified estimation aids.

They may not account for every:

• Tax rule
• Government notification
• Exemption
• Deduction
• Surcharge
• Penalty
• Lender condition
• Compounding method
• Processing fee
• Regional requirement
• Filing obligation
• Change in applicable law.

These tools must not be used as the sole basis for:

• Lending or borrowing decisions
• Investment decisions
• Tax returns
• GST filings
• Statutory reports
• Legally binding invoices
• Insurance decisions
• Regulatory compliance
• Accounting records
• Business commitments.

Important figures should be verified with the relevant lender, bank, accountant, tax professional, financial advisor, government authority, or official calculator.

11. Health, BMI, age, and personal-assessment tools

Health-related, BMI, age, fitness, date, or personal-assessment tools provide simplified informational results only.

They do not:

• Diagnose a medical condition
• Prevent or treat a disease
• Assess an emergency
• Replace a medical examination
• Provide personalised healthcare advice
• Establish that a particular result is healthy or safe for an individual.

Do not disregard or delay professional medical advice because of a result produced by the Utilities portal.

Contact an appropriately qualified healthcare professional where medical guidance is required.

12. Legal, compliance, password, and security-related tools

Password generators, QR code generators, encoders, decoders, validators, formatters, and similar developer or security utilities are provided for convenience only.

We do not guarantee that:

• A generated password meets every security requirement
• A QR code will work on every device or application
• Encoded information is encrypted
• Decoded information is safe
• A validator will identify every error
• A formatter will preserve every data element
• Generated content is production-ready
• A result complies with a particular law or technical standard
• A tool will identify every malicious input, vulnerability, or security risk.

You remain responsible for:

• Testing outputs
• Protecting credentials
• Implementing appropriate security controls
• Maintaining backups
• Reviewing code or generated content
• Following organisational policies
• Complying with applicable technical, legal, and regulatory requirements.

Do not enter active passwords, private encryption keys, authentication tokens, payment credentials, confidential business information, or other sensitive secrets unless you fully understand how the applicable tool handles the information.

13. Image, file, and download tools

Image, compression, resizing, conversion, or file-related tools may alter:

• Image quality
• File dimensions
• Resolution
• Colour
• Transparency
• Metadata
• Orientation
• Formatting
• Compatibility
• File size.

Some tools may process information within your browser. Other tools may rely on browser functions, technical services, or third-party libraries.

You must not assume that every file is processed only on your device unless the applicable page expressly states that processing is performed locally.

Before using a file-related tool, you should:

• Keep an original backup
• Confirm that you have permission to use the file
• Avoid entering confidential or highly sensitive material
• Review the resulting file carefully
• Check for quality loss or missing information
• Confirm compatibility with the intended destination
• Scan downloaded files where appropriate.

We are not responsible for:

• Corrupted files
• Lost metadata
• Reduced image quality
• Formatting changes
• Compatibility problems
• Failed processing
• Failed downloads
• Accidental overwriting
• Loss of original files.

14. Games and random-result features

Games, puzzles, wheels, coin flips, random-number generators, random pickers, scratch-style reveals, score trackers, and similar features are provided only for casual entertainment and convenience.

They must not be used for:

• Gambling
• Betting
• Lotteries
• Prize-based contests
• Legally regulated draws
• Financial allocation
• Employment selection
• Admissions decisions
• Lending decisions
• Healthcare decisions
• Insurance decisions
• Safety-critical decisions
• Official audits
• Compliance procedures
• Any selection requiring certified fairness or legal validity.

We do not represent that a random or game-generated result is:

• Cryptographically secure
• Independently audited
• Statistically certified
• Tamper-proof
• Legally valid
• Suitable for regulated use.

Some games may offer personal scores, saved progress, display names, rankings, or leaderboards for casual competition. Leaderboard entries may be delayed, hidden, rejected, or removed where a score appears incomplete, invalid, abusive, unfair, duplicated, or otherwise unsuitable for public ranking.

Leaderboards are provided for entertainment only. They are not official competitions, prize systems, gambling services, certified rankings, or proof of skill for any professional, educational, financial, or legal purpose.

15. Children and family use

Some games and puzzle pages may be family-friendly. However, the Utilities portal is not intended to operate as a child-directed personal-data collection service.

Children must not send us or enter into the tools:

• Full names
• Email addresses
• Phone numbers
• Residential addresses
• School information
• Photographs or private files
• Passwords
• Account details
• Payment information
• Government identification details
• Other personal or confidential information.

A parent or guardian who believes that a child has provided personal information may contact us so that we can review the matter and take appropriate action where required.

16. User inputs and generated outputs

You are responsible for all content and information you enter into a tool, including:

• Text
• Numbers
• Dates
• Links
• Files
• Images
• Prompts
• Wi-Fi information
• Contact information
• Other user-supplied material.

You are also responsible for reviewing and using generated or transformed outputs, including:

• Calculations
• Conversions
• QR codes
• Passwords
• Formatted text
• Encoded or decoded content
• Compressed or resized images
• Downloaded files
• Result cards
• Copied content
• Shared messages
• Random or game-generated results.

You must not enter, generate, copy, download, publish, or share content that is:

• Illegal
• Harmful
• Fraudulent
• Deceptive
• Defamatory
• Abusive
• Discriminatory
• Infringing
• Confidential
• Malicious
• Sexually exploitative
• Unsafe
• Intended to facilitate wrongdoing.

The generation of an output does not mean that we have reviewed, verified, approved, endorsed, or accepted responsibility for it.

17. Your rights to submitted material

You retain any ownership rights you lawfully hold in material you enter into a tool.

You confirm that you have the rights, permissions, and authority required to use, process, transform, download, or share that material.

You must not enter content belonging to another person where doing so would violate:

• Copyright
• Trademark rights
• Privacy rights
• Confidentiality obligations
• Contractual restrictions
• Data-protection requirements
• Any other applicable right or law.

Where processing is necessary to operate a requested feature, you authorise us and the relevant technical service providers to process the submitted material solely as reasonably necessary to provide, secure, maintain, or troubleshoot that feature, subject to the applicable Privacy Policy.

18. Lawful and responsible use

You agree to use the Utilities portal only for lawful and responsible purposes.

You must not:

• Violate any applicable law, regulation, court order, or third-party right
• Gain or attempt to gain unauthorised access to the website, server, network, source code, database, or administrative area
• Interfere with security, authentication, rate limits, or access controls
• Introduce malware, harmful scripts, corrupted files, or disruptive code
• Exploit or attempt to exploit a vulnerability
• Continue security testing without written permission
• Overload, flood, disable, or degrade the website
• Use automated systems that create excessive traffic
• Circumvent advertisements, consent controls, or technical restrictions
• Scrape or systematically extract content without permission
• Reverse engineer protected or non-public portions of the website except where such restriction is prohibited by law
• Impersonate another person or organisation
• Misrepresent your identity or affiliation
• Facilitate spam, phishing, fraud, credential theft, or cyber abuse
• Harass, threaten, deceive, or harm another person
• Generate misleading or fraudulent documents
• Use the tools to infringe intellectual property or privacy rights
• Use the website in a manner that creates legal, security, operational, or reputational risk.

19. Automated access and excessive use

We may apply:

• Rate limits
• Bot detection
• Request limits
• Traffic filtering
• Abuse-prevention controls
• Captcha verification
• Other technical restrictions.

You may not use bots, crawlers, scripts, automated requests, bulk-processing systems, or scraping tools in a manner that:

• Places an unreasonable load on the Utilities portal
• Bypasses normal access methods
• Circumvents technical limitations
• Copies substantial content
• Interferes with other users
• Disrupts website operations.

Search-engine crawling conducted in accordance with generally accepted indexing practices may be permitted unless restricted through technical instructions.

20. Local browser storage

Some tools and games may store information such as:

• Preferences
• Settings
• Recent results
• Presets
• History
• High scores
• Unfinished sessions

in local storage, session storage, IndexedDB, cookies, or similar storage available through your browser or device.

Locally stored information may be:

• Removed when browser data is cleared
• Unavailable on another device
• Unavailable in another browser
• Lost after a browser or application update
• Deleted by private-browsing settings
• Replaced by newer information
• Removed through device storage management.

We do not guarantee:

• Recovery
• Synchronisation
• Permanent retention
• Backup
• Cross-device availability
• Continued access to locally stored information.

21. Cookies and similar technologies

The Utilities portal and its service providers may use:

• Cookies
• Browser storage
• Scripts
• Pixels
• Tags
• Advertising identifiers
• Device information
• Similar technologies.

These technologies may be used for:

• Essential website functionality
• Security
• Fraud and abuse prevention
• User preferences
• Traffic measurement
• Analytics
• Performance
• Advertising
• Consent management
• Service improvement.

Where required by applicable law, non-essential cookies or similar technologies may be restricted until you make a consent choice.

More information about these technologies and your available choices is provided in the Utilities portal Privacy Policy and any cookie or consent notice displayed on the website.

22. Google reCAPTCHA and abuse prevention

The Utilities portal may use Google reCAPTCHA or similar technologies to help identify:

• Automated activity
• Spam
• Fraud
• Malicious submissions
• Suspicious traffic
• Other forms of abuse.

When you interact with a page protected by reCAPTCHA, certain information about your interaction, browser, device, or network may be processed by Google in accordance with Google's applicable Privacy Policy and Terms of Service.

The use of reCAPTCHA does not guarantee that all automated, fraudulent, malicious, or abusive activity will be prevented.

We may reject, restrict, delay, or block an interaction that appears suspicious or presents a security, fraud, operational, or legal risk.

23. Google AdSense and advertisements

The Utilities portal may display advertisements provided by Google AdSense or other advertising partners.

Advertising providers may use cookies, browser storage, device information, IP addresses, advertising identifiers, or similar technologies to:

• Deliver advertisements
• Limit advertisement frequency
• Measure advertisement performance
• Prevent fraud
• Produce aggregated reports
• Provide personalised advertisements where permitted
• Provide non-personalised or restricted advertisements.

The advertisements shown to you may depend on:

• Your location
• Browser settings
• Device settings
• Consent choices
• Advertising-provider settings
• Previous interactions
• Applicable legal requirements
• Available advertising inventory.

The presence of an advertisement does not mean that we:

• Recommend the advertiser
• Endorse the product or service
• Verify the advertiser's statements
• Guarantee an offer, price, result, or availability
• Act as the advertiser's representative
• Accept responsibility for a transaction.

You are responsible for independently reviewing an advertiser, product, service, offer, and applicable terms before:

• Clicking an advertisement
• Providing personal information
• Making a payment
• Downloading a file
• Purchasing a product
• Entering into a transaction.

Any communication, purchase, transaction, complaint, refund, or dispute between you and an advertiser is between you and that advertiser, subject to applicable law.

24. Related-service links, promotional links, and cross-navigation

The Utilities portal may display navigation links, banners, cards, buttons, or promotional references to:

• The main The Project Jugaad website
• The Furniture Billing portal
• Other The Project Jugaad projects
• Related services introduced in the future.

Such links may be provided to help users discover other available services.

A related-service link does not mean that:

• The linked service is part of the Utilities portal
• Your Utilities activity will be transferred to the linked service
• The same legal terms apply to both services
• The linked service is free
• An account is automatically created
• A subscription is included
• A tool result is accepted by the linked service.

You must review the linked service's own description, pricing, eligibility rules, Terms, Privacy Policy, and other notices before using it.

25. Sharing features and third-party applications

Some tools may allow you to:

• Copy a result
• Download an output
• Print content
• Open an email application
• Use your device's sharing feature
• Share through a social or messaging platform.

When you choose to share information, it may be transferred to your:

• Browser
• Operating system
• Email provider
• Messaging application
• Social-media platform
• Other third-party service.

Third-party services operate under their own terms, privacy policies, technical limitations, and security practices.

You are responsible for:

• Reviewing content before sharing it
• Removing private or confidential information
• Selecting the correct recipient
• Confirming that an output is accurate
• Ensuring that you have permission to share the content.

26. External third-party websites and services

The Utilities portal may contain links to unrelated third-party websites, advertisements, applications, policy pages, resources, or service providers.

External links are provided for convenience and do not constitute an endorsement.

We do not control and are not responsible for any third party's:

• Content
• Accuracy
• Products
• Services
• Pricing
• Offers
• Availability
• Security
• Privacy practices
• Legal terms
• Advertisements
• Transactions
• Acts and omissions.

You access and use third-party websites and services at your own discretion and subject to their own terms and policies.

27. Intellectual property rights

Unless otherwise stated, the Utilities portal's original:

• Design
• Branding
• Layout
• Text
• Graphics
• Interfaces
• Source code
• Compiled application
• Tool arrangement
• Game arrangement
• Original content

are owned by or licensed to The Project Jugaad.

Subject to these Terms, you may use publicly available tools and games through the Utilities portal for their intended personal or lawful business purposes.

You may also download or print generated outputs where the applicable tool provides that functionality, provided that you have the necessary rights to the input material.

You may not, without prior written permission:

• Copy substantial portions of the website
• Republish website content
• Reproduce or imitate the website's branding
• Sell or commercially redistribute the website
• Frame or mirror the website in a misleading manner
• Present the tools or content as your own
• Remove copyright or proprietary notices
• Use our branding to suggest an unauthorised association
• Systematically extract data or content
• Create a competing service through automated copying
• Resell access to the Utilities portal.

Third-party names, trademarks, logos, libraries, and content remain the property of their respective owners.

28. Feedback, suggestions, and error reports

You may voluntarily send us:

• Feedback
• Suggestions
• Correction requests
• Bug reports
• Tool ideas
• Improvement proposals.

Unless otherwise agreed in writing, providing feedback does not create:

• A confidentiality obligation
• A compensation obligation
• An employment relationship
• A partnership
• An ownership interest
• A requirement that we implement the suggestion.

You permit us to review, use, adapt, and implement non-confidential feedback for improving the Utilities portal without payment or attribution.

Do not send confidential business information, proprietary code, trade secrets, or material you are not authorised to disclose.

29. Availability, maintenance, and changes

We may update, correct, redesign, restrict, suspend, remove, rename, relocate, or discontinue any:

• Tool
• Game
• Page
• Route
• Feature
• Download
• Output format
• Advertisement
• Integration
• Content

at any time.

We do not guarantee that:

• The Utilities portal will always be available
• A feature will remain unchanged
• Previously generated links will continue to work
• Saved local information will remain accessible
• The website will work on every browser or device
• Every defect will be corrected
• Access will be uninterrupted
• A discontinued tool will be restored.

Website availability may be affected by:

• Maintenance
• Software updates
• Hosting issues
• Internet failures
• Traffic levels
• Browser changes
• Device limitations
• Security incidents
• Legal requirements
• Third-party service changes.

30. Security and internet risks

We may use reasonable technical and organisational measures intended to protect the Utilities portal and reduce misuse.

However, no website, browser, internet connection, local-storage system, file-processing method, download process, or third-party integration is completely secure or error-free.

You are responsible for:

• Maintaining device security
• Installing browser and operating-system updates
• Using suitable antivirus or security software
• Keeping backups
• Protecting passwords and credentials
• Reviewing downloaded files
• Following safe browsing practices.

You should not rely on the Utilities portal as:

• The only place where important information is stored
• The only method for completing a time-sensitive task
• A guaranteed secure storage service
• A replacement for appropriate professional or technical controls.

31. No warranties

The Utilities portal and all tools, games, content, results, outputs, downloads, advertisements, integrations, and features are provided on an "as is" and "as available" basis.

To the maximum extent permitted by applicable law, we disclaim all express, implied, statutory, and other warranties relating to:

• Accuracy
• Completeness
• Reliability
• Availability
• Security
• Compatibility
• Quality
• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Uninterrupted operation
• Error-free results.

We do not warrant that:

• The Utilities portal will meet your requirements
• A tool will produce a particular result
• An output will be suitable for your purpose
• An output will be accepted by another organisation
• Every error will be corrected
• Every harmful activity will be detected
• The website will remain available indefinitely.

Nothing in these Terms excludes a warranty, remedy, or consumer right that cannot lawfully be excluded.

32. Limitation of liability

To the maximum extent permitted by applicable law, The Project Jugaad Utilities, The Project Jugaad, and their owners, developers, maintainers, contractors, licensors, service providers, and representatives will not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or other loss arising from or connected with:

• Use of the Utilities portal
• Inability to access the Utilities portal
• Reliance on a calculation or generated output
• Incorrect or incomplete user input
• Loss, alteration, or corruption of files
• Loss of locally stored information
• Decisions made using a tool
• Downloaded content
• Copied or shared information
• Advertisements
• Advertiser transactions
• Related websites or portals
• Third-party websites or services
• Security incidents
• Unauthorised access
• Website interruption
• Errors
• Delays
• Tool discontinuation
• Events outside our reasonable control.

This includes, where legally permitted, loss of:

• Data
• Income
• Revenue
• Profit
• Opportunity
• Business
• Expected savings
• Goodwill
• Reputation
• Productivity.

Where liability cannot legally be excluded, our liability will be limited to the minimum extent permitted by applicable law.

Nothing in these Terms limits or excludes liability that cannot lawfully be limited or excluded.

33. Indemnity

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless The Project Jugaad Utilities, The Project Jugaad, and their owners, developers, maintainers, contractors, licensors, service providers, and representatives from claims, proceedings, liabilities, penalties, losses, damages, costs, and reasonable expenses arising from:

• Your misuse of the Utilities portal
• Your submitted material
• Your generated output
• Your downloads or shared content
• Your breach of these Terms
• Your violation of applicable law
• Your infringement of intellectual property rights
• Your violation of privacy or confidentiality rights
• Fraudulent, malicious, or abusive activity carried out through your device or instructions
• A claim by another person relating to material you entered, generated, downloaded, or shared.

This section does not apply where an indemnity is prohibited by applicable consumer law.

34. Restriction, suspension, and termination

We may restrict, suspend, block, or terminate access to all or part of the Utilities portal where we reasonably believe that:

• These Terms have been violated
• The website is being misused
• Automated or excessive access is occurring
• There is a security or fraud risk
• There is a legal or regulatory risk
• Access could harm the website or another person
• A request from a competent authority requires action
• Restriction is necessary to protect website operations.

We may take immediate action without prior notice where reasonably necessary for:

• Security
• Legal compliance
• Abuse prevention
• Fraud prevention
• Operational protection.

Provisions that should reasonably continue after access ends will remain effective, including provisions relating to intellectual property, disclaimers, liability limitations, indemnity, and dispute resolution.

35. Events outside our control

We will not be responsible for delays, interruptions, failures, or losses caused by events outside our reasonable control.

These events may include:

• Internet failures
• Electricity failures
• Hosting or cloud-service failures
• Telecommunications failures
• Browser or operating-system issues
• Third-party software failures
• Cyberattacks
• Malware
• Denial-of-service activity
• Security incidents
• Changes to third-party services or policies
• Natural disasters
• Fire
• Flood
• Severe weather
• Epidemics or public-health emergencies
• War
• Terrorism
• Civil disturbance
• Labour disruption
• Government restrictions
• Court orders
• Changes in law
• Other events that could not reasonably have been prevented.

36. No professional, partnership, or agency relationship

Your use of the Utilities portal does not create:

• A professional-advisor relationship
• An employment relationship
• A partnership
• A joint venture
• A franchise
• A fiduciary relationship
• An agency relationship

between you and The Project Jugaad.

You do not have authority to make representations, commitments, or obligations on our behalf.

37. Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable, that provision will be interpreted, limited, or removed only to the minimum extent necessary.

The remaining provisions will continue in full force to the extent permitted by law.

38. No waiver

A failure or delay by us in exercising a right or enforcing a provision of these Terms does not waive that right or provision.

Any waiver must be expressly made and will apply only to the specific circumstances for which it is provided.

39. Assignment and transfer

You may not assign or transfer your rights or obligations under these Terms without our prior written permission.

We may assign or transfer our rights and obligations in connection with:

• A business reorganisation
• A service transfer
• A merger
• An acquisition
• A sale
• A change in ownership
• A change in the operation of the Utilities portal

subject to applicable law.

40. Entire agreement

These Terms, together with:

• The Utilities portal Privacy Policy
• Any cookie or consent notice
• Any tool-specific terms or notices expressly incorporated into them

form the agreement governing your use of the Utilities portal.

These Terms do not replace or incorporate the legal terms of the main website, Furniture Billing portal, or another service unless expressly stated.

41. Governing law and jurisdiction

These Terms & Conditions are governed by the laws of India.

Subject to mandatory consumer-protection, privacy, or other legal rights that cannot be excluded, the courts at Vadodara, Gujarat, India will have exclusive jurisdiction over any dispute, claim, or proceeding arising from or connected with:

• The Utilities portal
• These Terms
• A tool or game
• A generated output
• Your use of the website.

42. Informal resolution of concerns

Before starting formal legal proceedings, you are encouraged to contact us and provide:

• The relevant page or tool
• A description of the issue
• The result or correction requested
• Supporting information reasonably required to review the matter.

This gives us a reasonable opportunity to investigate and attempt to resolve the concern informally.

Nothing in this section prevents either party from seeking urgent legal or protective relief where necessary.

43. Updates to these Terms

We may update these Terms to reflect changes in:

• Available tools or games
• Website functionality
• Technology
• Security practices
• Third-party services
• Advertising
• Analytics
• Legal requirements
• Business operations.

The revised version will be published on this page with an updated "Last updated" date.

You should review this page periodically.

Continued use of the Utilities portal after revised Terms become effective constitutes acceptance of the revised Terms, subject to any rights or additional consent requirements under applicable law.