Terms of Service

Last updated: November 17, 2025

Welcome to Free1099Calc. These Terms of Service ("Terms") govern your use of the Free1099Calc website at free1099calc.com (the "Site") and the tax calculator tools and resources provided (the "Services"). By accessing or using our Site, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, you must not use the Site.

2. Description of Services

Free1099Calc provides:

• Online tax calculators for 1099 contractors, freelancers, and self-employed individuals
• Retirement and inflation calculators
• Educational blog posts and articles about taxes, deductions, and financial planning
• Job market trends and insights

All calculations are estimates based on general tax rules and user inputs. Results may not reflect your actual tax liability.

3. Educational Purpose Only - Not Tax Advice

IMPORTANT: The information, calculators, and content provided on this Site are for educational and informational purposes only. They do NOT constitute:

• Professional tax advice or preparation services
• Legal advice or legal services
• Financial planning or investment advice
• Accounting services
• A substitute for consultation with qualified professionals

Tax laws are complex and change frequently. Your individual circumstances (income sources, deductions, credits, state laws, etc.) may differ significantly from the assumptions used in our calculators. You are responsible for verifying all results and complying with applicable tax laws.

We strongly recommend consulting with a licensed CPA, Enrolled Agent, tax attorney, or other qualified tax professional before:

• Filing your tax returns
• Making estimated tax payments
• Claiming deductions or credits
• Making business structure decisions (sole proprietor vs. S-Corp, etc.)
• Taking any action based on information from this Site

4. No Warranty - "As Is" Service

The Site and Services are provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Site will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, completeness, or reliability of any content, calculations, or results
• Warranties that defects will be corrected

We make no guarantees about:

• The accuracy of tax calculations or estimates
• The applicability of information to your specific situation
• The current accuracy of tax rates, brackets, or deduction limits (tax laws change frequently)
• The availability or functionality of the Site at any given time

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

Free1099Calc, its owners, operators, employees, contractors, affiliates, and partners SHALL NOT BE LIABLE for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to:

• Your use or inability to use the Site or Services
• Reliance on any information, calculations, or estimates provided by the Site
• Errors, inaccuracies, or omissions in any content or calculations
• Tax underpayments, overpayments, penalties, or interest resulting from use of our calculators
• IRS audits, disputes, or enforcement actions
• Lost profits, lost revenue, or business interruption
• Data loss or corruption
• Unauthorized access to your device or data
• Third-party conduct or content (including advertisers)

This limitation applies even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above limitations may not apply to you.

6. Indemnification

You agree to indemnify, defend, and hold harmless Free1099Calc and its affiliates, officers, employees, contractors, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Site or Services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your violation of any third-party rights
• Any tax-related decisions or actions you take based on information from the Site

7. Acceptable Use Policy

You agree NOT to:

Prohibited Activities

• Abuse or Overload: Make excessive requests, use bots, or attempt to overwhelm our servers
• Scraping: Use automated tools to extract data or content from the Site
• Reverse Engineering: Attempt to decompile, reverse engineer, or discover the source code of our calculators
• Circumvent Security: Bypass or attempt to bypass any security measures or access restrictions
• Interfere: Interfere with or disrupt the Site, servers, or networks
• Misrepresent: Impersonate any person or entity, or falsely claim affiliation with us
• Infringe: Violate any intellectual property rights, privacy rights, or other rights of any party
• Harmful Content: Post, transmit, or distribute malware, viruses, or other harmful code
• Illegal Activity: Use the Site for any unlawful purpose or in violation of any laws

Commercial Use

The Site is intended for personal, non-commercial use. You may not:

• Reproduce, redistribute, or resell our calculators or content without written permission
• Use the Site to provide commercial tax preparation or advisory services
• Frame or embed our Site or content on other websites without permission

8. Intellectual Property Rights

All content on this Site, including but not limited to text, graphics, logos, calculator logic, code, design elements, and blog posts, is the property of Free1099Calc or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may:

• Use the Site and calculators for personal, non-commercial purposes
• Print or download content for personal reference
• Share links to our articles on social media

You may NOT:

• Copy, modify, distribute, or republish our content without permission
• Use our trademarks, logos, or branding without authorization
• Create derivative works based on our calculators or content

9. Third-Party Content and Links

Our Site may contain links to third-party websites, including advertisers (Google AdSense), external resources, and government sites (IRS, state tax agencies). We do not control or endorse these third-party sites and are not responsible for:

• The content, accuracy, or legality of third-party websites
• The privacy practices of third-party sites (review their privacy policies)
• Products, services, or information offered by third parties

Links to external sites are provided for convenience only and do not constitute an endorsement.

10. Advertising

We use Google AdSense and other advertising services to display ads on our Site. Advertisers may use cookies and tracking technologies. We do not control the content of advertisements and are not responsible for:

• The accuracy or legality of advertised products or services
• Transactions or interactions between you and advertisers
• Privacy practices of advertisers (see our Privacy Policy)

11. User-Submitted Content

If you submit comments, questions, or other content through our contact form or any interactive features, you grant us a non-exclusive, royalty-free, perpetual, worldwide license to use, reproduce, modify, and display such content for the purpose of operating and improving the Site.

You represent that any content you submit:

• Is accurate and does not violate any laws
• Does not infringe on any third-party rights
• Is not defamatory, obscene, or offensive

12. Privacy and Data Protection

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. Key points:

• Calculator Data: All calculations are performed locally in your browser. We do NOT send your financial data to our servers.
• Cookies: We use cookies for analytics and advertising (Google AdSense).
• No Sale of Data: We do not sell your personal information.

Please review our Privacy Policy for complete details.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on this page with an updated "Last updated" date. Material changes will be communicated through:

• A prominent notice on the Site homepage
• Email notification (if you've provided an email address)

Your continued use of the Site after changes constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Site.

14. Account Termination

We reserve the right to:

• Suspend or terminate your access to the Site at any time, for any reason, without notice
• Refuse service to anyone for any reason
• Remove content that violates these Terms
• Report illegal activity to law enforcement

15. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the United States and the state in which Free1099Calc operates, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Site shall be resolved in the courts located in [Your State/Jurisdiction], and you consent to the exclusive jurisdiction of such courts.

16. Dispute Resolution

In the event of any dispute, claim, or controversy arising from these Terms or your use of the Site, you agree to first contact us to attempt to resolve the dispute informally. If we cannot resolve the dispute within 30 days, either party may pursue formal legal action.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Free1099Calc regarding your use of the Site and supersede any prior agreements or understandings.

19. No Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision. No waiver will be effective unless made in writing and signed by our authorized representative.

20. Contact Information

If you have questions about these Terms of Service, please contact us:

• Email: legal@free1099calc.com
• Website: https://free1099calc.com/contact

21. Acknowledgment

By using Free1099Calc, you acknowledge that:

• You have read and understood these Terms of Service
• You agree to be bound by these Terms
• You understand the Site provides educational information only and is NOT professional advice
• You will consult qualified professionals for tax, legal, and financial decisions
• You use the Site at your own risk