I'd say that where no special aspectual meanings are involved, "пользоваться" means to use something for the purpose it was intended for.
пользоваться словарем = use a dictionary to look up words
Ты пользуешься этой зубной щеткой? = Do you brush your teeth with this toothbrush? (Ex.1)
However, "использовать" doesn't really mean to use a thing for what it was intended for; it can be anything. For example, you can't just say:
*Я использую эту зубную щетку.
You should either use "пользоваться" or state what you're using the toothbrush for:
Я использую эту зубную щетку, чтобы чистить украшения \ для украшений. (Ex.2)
And under normal circumstances, it would sound strange to say:
Я использую эту зубную щетку, чтобы чистить зубы. (Ex.3)
This can only be said if the other person was actually asking what you're using the toothbrush for.
Actually, if you are asked what you're using your toothbrush for, (Ex.2) or (Ex.3) are the correct ways to express your thoughts (depending on whether you're using your toothbrush for jewelry or for teeth). Saying something like (Ex.1) would be wrong, because then your answer would stress the fact that you're using the toothbrush, not explain the purpose.