Terms of Use

1. Acceptance of Terms

By accessing or using selfpaycheck.com (“the Site,” “we,” “us,” or “our”), you confirm that you have read, understood, and agree to be bound by these Terms of Use (“Terms”). These Terms apply to all visitors and users of the Site.

If you do not agree to these Terms, you must stop using the Site immediately.

We may update these Terms at any time. When we do, we will revise the “Last Updated” date above. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.

These Terms should be read together with our Privacy Policy, which is incorporated into and forms part of this agreement.

2. Who May Use This Site

This Site is intended for users who are 18 years of age or older. By using the Site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

If you are using the Site on behalf of an organization or business, you represent that you have authority to bind that organization to these Terms.

This Site is available to users worldwide. However, it is operated from Turkey and is primarily designed for informational purposes regarding U.S. tax and financial concepts. Users outside the United States should be aware that the information provided may not apply to their jurisdiction.

3. Description of the Site

selfpaycheck.com is a free educational website providing financial calculators, tools, and informational content for freelancers, independent contractors, gig workers, and self-employed individuals. The tools available on this Site include, but are not limited to:

• Self-Employment Tax Calculator
• Quarterly Tax Payment Estimator
• Freelance Rate Calculator
• Salary vs Freelance Comparison Tool
• Home Office Deduction Calculator
• Invoice Generator
• 1099 vs W2 Tax Comparison Tool
• Freelance Deductions Checklist

All tools and content are provided free of charge. We reserve the right to add, modify, discontinue, or remove any tool, feature, or content at any time without notice.

4. No Professional Advice — Important Disclaimer

The content, calculators, tools, articles, and all other information on this Site are provided for general informational and educational purposes only. Nothing on this Site constitutes, or is intended to constitute, tax advice, legal advice, financial advice, accounting advice, or any other form of professional advice.

Specifically:

• Calculator results are estimates only. They are based on publicly available IRS tax rates and standard formulas and may not reflect your actual tax liability, which depends on your individual circumstances, deductions, credits, state taxes, filing status, and changes in tax law.
• Tax laws change regularly. We make reasonable efforts to keep our calculators current, but we cannot guarantee that all rates, thresholds, or rules are up to date at any given time.
• Information on this Site may not apply to users outside the United States.
• Nothing on this Site creates an attorney-client, accountant-client, or any other professional relationship between you and us.

Before making any financial, tax, or legal decision, you should consult a qualified and licensed professional — such as a Certified Public Accountant (CPA), tax attorney, or financial advisor — who can evaluate your specific situation.

Your use of any information or tool on this Site is entirely at your own risk. We expressly disclaim any liability for decisions made in reliance on the content of this Site.

5. Accuracy, Completeness, and Currency of Information

We make reasonable efforts to ensure the accuracy and completeness of the information and tools on this Site. However, we do not warrant or guarantee that:

• All content is accurate, complete, or current
• Calculator results are free from errors
• Content reflects the most recent changes in tax law or IRS regulations
• The Site is suitable for any particular purpose

If you discover an error in any of our calculators or content, we welcome you to contact us via the contact form so we can investigate and correct it.

Tax rates, thresholds, and rules referenced on this Site (such as self-employment tax rates, standard deduction amounts, and quarterly tax deadlines) are based on IRS publications current at the time of writing. Always verify current figures at IRS.gov before taking action.

6. Permitted Use

You may use this Site for lawful, personal, and non-commercial purposes in accordance with these Terms. Specifically, you are permitted to:

• Use our calculators and tools for personal financial estimation
• Read and share links to our articles and educational content
• Print or download content for your personal, non-commercial use
• Contact us with questions, feedback, or error reports

7. Prohibited Use

You agree that you will not use the Site to do any of the following:

• Use the Site for any unlawful purpose or in violation of any applicable laws or regulations
• Copy, reproduce, republish, upload, post, transmit, or distribute any content from the Site for commercial purposes without our prior written permission
• Scrape, crawl, or extract data from the Site using automated tools, bots, or scripts
• Attempt to gain unauthorized access to any part of the Site, its servers, or any connected systems
• Introduce viruses, malware, or any other harmful code to the Site
• Interfere with or disrupt the proper functioning of the Site or its servers
• Use the Site in any way that could damage, disable, overburden, or impair our servers or networks
• Impersonate any person or entity, or falsely represent your affiliation with any person or entity
• Collect or harvest any personally identifiable information from the Site
• Use the Site to send unsolicited commercial communications (spam)
• Frame or mirror any part of the Site without our prior written permission
• Attempt to circumvent any security measures or access controls on the Site

We reserve the right to block access to the Site for any user we reasonably believe has violated these prohibitions.

8. Intellectual Property Rights

All content on this Site — including but not limited to text, articles, calculator logic, tool designs, graphics, logos, icons, images, and the overall layout and design of the Site — is owned by or licensed to selfpaycheck.com and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site and its content for personal, non-commercial purposes in accordance with these Terms.

This license does not permit you to:

• Copy, reproduce, or republish our content on another website or platform
• Sell, license, or commercially exploit any content from this Site
• Modify or create derivative works based on our content without permission
• Remove any copyright, trademark, or other proprietary notices from any content
• Use our name, logo, or branding in any way without our prior written consent

Any unauthorized use of the content on this Site may violate copyright law, trademark law, and other applicable laws and could result in legal action.

If you wish to use our content for purposes beyond personal use, please contact us to request permission.

9. Third-Party Links and Resources

This Site may contain links to third-party websites, tools, or resources — including but not limited to IRS.gov, Google, and other external services — for your convenience and informational purposes only.

We do not endorse, control, or take responsibility for:

• The content, accuracy, or availability of any third-party websites
• The privacy practices of third-party sites
• Any products, services, or information offered on third-party sites

When you click a link to a third-party website, you leave our Site and are subject to that website’s own terms and privacy policy. We encourage you to review the terms and privacy policies of any third-party site you visit.

10. Advertising

This Site displays advertisements served through the Google AdSense program. These advertisements are provided by Google LLC and may be targeted based on your browsing behavior and interests.

We do not endorse any advertiser or any product or service advertised on this Site. We are not responsible for the content of any advertisement, nor for any products or services offered by advertisers. Any transaction between you and an advertiser is solely between you and that advertiser.

We receive compensation from Google when advertisements are displayed or clicked on this Site. This compensation does not influence the content of our calculators, articles, or tools.

11. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE AND ALL OF ITS CONTENT, TOOLS, CALCULATORS, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
• WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS
• WARRANTIES AS TO THE ACCURACY, COMPLETENESS, RELIABILITY, OR TIMELINESS OF ANY CONTENT OR CALCULATOR RESULTS
• WARRANTIES THAT DEFECTS WILL BE CORRECTED
• ANY IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE

Some jurisdictions do not allow the exclusion of implied warranties. In such jurisdictions, the above exclusions apply to the maximum extent permitted by law.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SELFPAYCHECK.COM, ITS OWNER, AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO:

• YOUR USE OF OR INABILITY TO USE THE SITE
• ANY RELIANCE ON CALCULATOR RESULTS, FINANCIAL ESTIMATES, OR CONTENT ON THIS SITE
• ERRORS, INACCURACIES, OR OMISSIONS IN ANY CONTENT OR TOOL
• TAX UNDERPAYMENTS, PENALTIES, OR INTEREST RESULTING FROM USE OF OUR CALCULATORS
• ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OR LINKED FROM THE SITE
• ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE
• ANY BUGS, VIRUSES, TROJAN HORSES, OR OTHER HARMFUL CODE TRANSMITTED THROUGH THE SITE

THIS LIMITATION OF LIABILITY APPLIES WHETHER THE CLAIM IS BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

BECAUSE THIS SITE IS PROVIDED FREE OF CHARGE, IN NO EVENT SHALL OUR TOTAL CUMULATIVE LIABILITY TO YOU EXCEED FIFTY U.S. DOLLARS (USD $50).

13. Indemnification

You agree to indemnify, defend, and hold harmless selfpaycheck.com and its owner, operators, and representatives from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in any way related to:

• Your use of or access to the Site
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any third-party rights, including intellectual property rights
• Any financial or tax decision you make based on content from this Site

14. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by this reference. By using the Site, you consent to the data practices described in our Privacy Policy.

Notably, all calculator inputs you enter are processed locally within your browser and are never transmitted to or stored on our servers.

15. Service Availability and Modifications

We reserve the right at any time and without notice to:

• Modify, suspend, or discontinue the Site or any part of it
• Change, update, remove, or add any calculator, tool, or piece of content
• Restrict access to all or part of the Site
• Perform maintenance that may cause temporary unavailability

We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Site. We will make reasonable efforts to provide advance notice of planned downtime where possible, but we do not guarantee continuous or uninterrupted access.

16. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of Turkey, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or your use of the Site shall first be attempted to be resolved through good-faith negotiation. If resolution cannot be reached informally, disputes shall be submitted to the exclusive jurisdiction of the courts of Turkey.

If you are a consumer resident in the European Union, you may also have the right to submit a dispute to your local courts or to an online dispute resolution platform. Information about the EU’s online dispute resolution platform is available at ec.europa.eu/consumers/odr.

Notwithstanding the above, we reserve the right to seek injunctive or other equitable relief in any jurisdiction to protect our intellectual property rights.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed from these Terms if modification is not possible. The remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and selfpaycheck.com regarding your use of the Site, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, whether written or oral, relating to the Site.

19. Waiver

Our failure to enforce any right or provision of these Terms shall not be considered a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if it is in writing and signed by us.

20. Contact Us

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

By email: info@selfpaycheck.com
By contact form: selfpaycheck.com/contact

These Terms of Use were written specifically for selfpaycheck.com. They are intended to protect both the Site operator and its users and to set clear expectations for use of the Site’s free financial tools and educational content. These Terms do not constitute legal advice. If you have specific legal questions about your situation, please consult a qualified attorney.