Terms of Service

These Terms of Service ("Terms") govern your access to and use of freeagentfinance.com (the "Site"), operated by Free Agent Finance ("Free Agent Finance," "we," "us"). By accessing the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

You may use the Site for lawful, personal, non-commercial reference purposes. You agree not to: scrape or harvest content at scale without permission; attempt to interfere with the Site's security or normal operation; use the Site to distribute malware or spam; or misrepresent your affiliation with Free Agent Finance.

2. No professional advice

Free Agent Finance publishes general educational content about taxes, banking, insurance, retirement, and business finance. Nothing on the Site constitutes individualized tax, legal, accounting, investment, or insurance advice, and no advisor-client, CPA-client, or attorney-client relationship is created by using the Site. See our full Disclaimer for details. Always consult a licensed professional about your specific situation before making financial decisions.

3. Intellectual property

Unless otherwise noted, all text, graphics, logos, and original illustrations on the Site are owned by Free Agent Finance and protected by copyright and trademark law. Photographs are licensed under Creative Commons terms as detailed on our Photo Credits page. You may quote brief excerpts with attribution and a link back to the original page; you may not republish full articles or substantial portions without written permission.

4. Third-party links and tools

The Site links to third-party websites (including government resources, software vendors, and financial institutions) for your convenience. We do not control and are not responsible for the content, accuracy, or privacy practices of third-party sites. Calculators and interactive tools on the Site provide estimates for educational purposes only and are not guaranteed to be accurate for your specific tax or financial situation — see Section 5.

5. Calculators and tools

Interactive calculators on the Site (including the Self-Employment & Quarterly Tax Calculator) use simplified formulas based on published federal rates and standard deductions. They do not account for every credit, deduction, state tax rule, or individual circumstance, and results are estimates only. Do not use calculator output as your final tax filing figure without verification from a tax professional or official IRS worksheets.

6. Disclaimer of warranties

The Site and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose. Tax laws, contribution limits, and program rules change over time; we work to keep content current but cannot guarantee every figure reflects the most recent legislation at the moment you read it.

7. Limitation of liability

To the fullest extent permitted by law, Free Agent Finance and its contributors will not be liable for any indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Site or reliance on its content, including financial decisions made based on information found here.

8. Indemnification

You agree to indemnify and hold harmless Free Agent Finance from any claims, damages, or expenses arising from your violation of these Terms or misuse of the Site.

9. Governing law

These Terms are governed by the laws of the United States, without regard to conflict-of-law principles.

10. Changes to these Terms

We may revise these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. Material changes will update the "Last updated" date above.

11. Contact

Questions about these Terms can be sent to support@freeagentfinance.com or through our contact page.