Terms of Service

Effective date: October 17, 2026

Welcome to FlexRateHub. By accessing or using this website (the “Site”), you agree to these Terms of Service. If you do not agree, please do not use the Site.

1. Educational use only

The calculators, guides and other content on the Site are provided for general information and planning. They are not tax, legal, accounting, investment or other professional advice, and no professional relationship is formed by using the Site. Calculations are estimates only and rely on simplified assumptions. Consult a qualified professional before making financial or tax decisions.

2. Accuracy

We work to keep information current, but tax laws, rates and thresholds change, and we do not guarantee that content is complete, accurate or up to date. You are responsible for verifying figures with official sources such as the IRS and the Social Security Administration.

3. Acceptable use

You agree not to misuse the Site, including by attempting to disrupt it, scrape it at a harmful rate, introduce malicious code, infringe others’ rights, or use it for unlawful purposes. You may not click on or generate artificial traffic on advertisements.

4. Intellectual property

The Site’s text, design, code and branding are owned by FlexRateHub or its licensors and are protected by intellectual property laws. You may use the calculator for personal or internal business purposes and may quote short excerpts with attribution and a link. Other copying or republishing requires written permission.

5. Advertising and third-party links

The Site may display third-party advertising and link to third-party websites. We do not endorse or control those parties and are not responsible for their content, products or practices.

6. Disclaimer of warranties

The Site is provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement.

7. Limitation of liability

To the fullest extent permitted by law, FlexRateHub and its owners will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, income or data, arising from your use of or reliance on the Site, even if advised of the possibility of such damages.

8. Changes and termination

We may modify the Site or these Terms at any time. Updated Terms take effect when posted, and continued use means you accept them. We may suspend access for anyone who violates these Terms.

9. Governing law

These Terms are governed by the laws of the jurisdiction in which the Site operator is based, without regard to conflict-of-law rules. Any disputes will be handled in the courts of that jurisdiction unless applicable law requires otherwise.

10. Contact

Questions about these Terms? Email hello@flexratehub.com.