Terms of Service & Legal Disclaimer

Effective Date: November 2026

1. Nature of the Service

PayAndContract provides free, browser-based computational models for calculating estimated net salary after progressive income taxes, cost-of-living purchasing power parity (PPP), and standardized freelance contract templates. Access is provided on an "as is" and "as available" basis.

2. Financial & Tax Disclaimer (Non-Advisory Notice)

The mathematical models and statutory brackets utilized by PayAndContract are compiled from official 2026 public revenue sources. However, tax laws vary significantly based on individual deductions, marital status, corporate entity structures, and residency credits. Calculations are provided solely for illustrative, benchmark, and educational purposes and do NOT constitute certified financial, tax, or legal advice. Users should consult a qualified Certified Public Accountant (CPA) or tax attorney for official filing decisions.

3. Legal Contract Templates Disclaimer

All contract and invoice templates generated via the platform incorporate standard commercial clauses (including governing law, severability, and intellectual property assignments). Users are responsible for tailoring terms to their individual commercial engagements and applicable local statutes.

4. Intellectual Property & Commercial License

Documents generated through the platform belong entirely to the user upon generation. The core mathematical engine, visual analytics, and layout are proprietary software protected by international copyright laws.

5. Limitation of Liability

In no event shall PayAndContract, its developers, or affiliates be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use the platform.