I'd say that in case when no special aspectual meanings are involved, "пользоваться" means to use something for the purpose it was intended to.
пользоваться словарем = use a dictionary to look up words
Ты пользуешься этой зубной щеткой? = Do you brush your teeth with this toothbrush? (Ex.1)
But "использовать" does not really mean to use a thing for what it was intended to. It can be anything. For example, you cannot just say:
*Я использую эту зубную щетку
You should either use "пользоваться" or say, what are you using the toothbrush for:
Я использую эту зубную щетку, чтобы чистить украшения \ для украшений. (Ex.2)
And usually it would be strange to say
Я использую эту зубную щетку, чтобы чистить зубы. (Ex.3)
This can only be said if the other person was really asking, what are you using the toothbrush for.
Actually, if you are asked what are you using your toothbrush for, (Ex.2) or (Ex.3) are the correct way to express your thought (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 are using the toothbrush, not explain the purpose.