Terms & Conditions
Last updated: [PLACEHOLDER DATE]. Operator: [PLACEHOLDER LEGAL/BUSINESS NAME]. This page is a practical MVP baseline and has not yet been reviewed by a lawyer — see the note at the end.
What ClearQuarter is
ClearQuarter provides (1) a free, client-side calculator that gives a general, federal-only estimate of the tax impact of side income for a US W-2 employee, and (2) a paid, one-page PDF ("Quarterly Action Sheet") that provides an organizational and planning aid for acting on that estimate.
Not tax, legal, or financial advice
Nothing on this site, in the calculator, or in the Quarterly Action Sheet is tax, legal, or financial advice, and no professional-client relationship is created by using them. The calculator and Action Sheet are general educational tools based on the assumptions and inputs you provide, using published IRS and SSA figures for the stated tax year. They do not determine your actual tax liability, do not guarantee any tax outcome, do not guarantee avoidance of any penalty, and do not cover state taxes. You are responsible for verifying anything important with a licensed CPA, EA, or attorney before relying on it.
Scope and limitations
The calculator currently supports only the Single and Married Filing Jointly federal filing statuses, and only federal calculations. It does not model state tax, itemized deductions, the Additional Medicare Tax, the Alternative Minimum Tax, or unusual situations such as business losses or multiple states. These limitations are disclosed on the calculator and Action Sheet themselves and are incorporated into these Terms by reference.
Acceptable use
You agree to use this site and its tools for their intended lawful, personal, informational purpose, and not to attempt to disrupt, reverse-engineer for malicious purposes, or misuse the site.
Intellectual property
The text, design, calculator code, and the Quarterly Action Sheet PDF are the property of ClearQuarter (or its licensors) and are provided for your personal use. The Quarterly Action Sheet is licensed to you for your own personal use upon purchase; it may not be resold or redistributed.
Third-party payment provider
Payments for the Quarterly Action Sheet are processed by Razorpay, an independent third-party payment processor. Your use of Razorpay's checkout is subject to Razorpay's own terms. ClearQuarter is not responsible for Razorpay's processing, security practices, or availability, though we will assist with delivery or refund issues arising from a completed payment.
Digital product; refunds
The Quarterly Action Sheet is a digital product delivered electronically. See our Refund & Cancellation Policy for the applicable refund terms.
Disclaimers
This site and its tools are provided "as is" and "as available," without warranties of any kind, express or implied, including as to accuracy, completeness, or fitness for a particular purpose, to the fullest extent permitted by law.
Limitation of liability
To the fullest extent permitted by applicable law, ClearQuarter's total liability for any claim arising from your use of the site, the calculator, or the Quarterly Action Sheet is limited to the amount you paid for the Quarterly Action Sheet (if any). This limitation is intended to be reasonable, not an attempt to disclaim liability that cannot lawfully be disclaimed, and does not limit liability where the law does not permit such a limitation (for example, in cases of fraud).
Governing law
[PLACEHOLDER: governing law and jurisdiction — this should be finalized with a lawyer, considering that the operator is based in India and customers are primarily in the United States, before this page is treated as final.]
Changes
These Terms may be updated from time to time; the "Last updated" date will reflect the most recent version.