Terms of Use

Acceptance of these terms

By accessing Freelance Treasury, you agree to these terms. If you do not agree, do not use the site. These terms apply to the website, newsletter, calculators, downloads, and other content published under the Freelance Treasury name.

Educational content only

Freelance Treasury provides general educational information for US freelancers and one-person businesses. It does not provide individualized financial, investment, legal, accounting, or tax advice.

Using the site does not create an accountant-client, attorney-client, adviser-client, or fiduciary relationship. Your facts, state rules, contracts, and full tax return can change the correct answer. Consult a qualified professional when a decision depends on them.

Accuracy and availability

We aim to publish accurate, current information, but laws, rates, product terms, fees, and eligibility rules change. Content is provided without a guarantee that it is complete, current, or suitable for your situation.

The site may be changed, suspended, or unavailable without notice. Providers may change or withdraw products independently of Freelance Treasury.

Calculators and estimates

Calculator outputs are estimates based on the information entered and the assumptions stated on the tool page. They are not tax returns, payment instructions, or promises of a particular result.

Affiliate links and third parties

Some links are affiliate links, as described in the affiliate disclosure. External sites control their own products, terms, privacy practices, and availability. A link does not make Freelance Treasury responsible for an external service.

Permitted use

You may read, link to, and quote brief portions of the site with clear attribution. You may not copy substantial portions, republish full articles, scrape the site at scale, bypass access controls, interfere with security, or use the site for unlawful activity.

Intellectual property

Unless otherwise stated, the site design, original text, graphics, calculations, and branding are owned by or licensed to Freelance Treasury. Product names and trademarks belong to their respective owners.

Limitation of responsibility

To the fullest extent permitted by applicable law, Freelance Treasury is not responsible for losses arising from reliance on site content, use of third-party products, interruptions, errors, or unauthorized access. Some jurisdictions do not allow certain exclusions, so these limits may not apply in full.

Changes and contact

These terms may be updated as the site or applicable requirements change. Continued use after an update means the revised terms apply. Questions may be sent to legal@freelancetreasury.com.