Terms of Service
Effective October 21, 2026
These Terms of Service (the "Terms") govern your use of NQDC Calculator, including the website, the calculator and any related services (together, the "Service"), operated by NQDC Calculator ("we", "us" or "our"). By creating an account or using the Service, you agree to these Terms. If you don't agree, don't use the Service.
1. Eligibility
The Service is intended for individuals in the United States who are at least 18 years old and able to form a binding contract. The calculator models U.S. federal and state income tax only.
2. Educational tool only; no advice
The Service is an educational calculator. It is not tax, legal, investment, accounting or financial advice, and nothing in it is a recommendation to defer, or not to defer, any compensation or to make any particular election. Using the Service does not create an attorney-client, accountant-client, investment adviser, fiduciary or other professional relationship between you and us.
Results are hypothetical estimates built on simplified assumptions, on tax parameters that may be projections, and on information you provide. They can be materially wrong. Tax laws, rates, brackets and their interpretation change, sometimes retroactively, and the Service may not reflect the most recent changes. The Service does not model every tax provision; its known limitations are described within the Service.
The Service is not affiliated with, endorsed by or sponsored by any employer, plan sponsor or plan administrator, and it does not describe or interpret any particular plan.
3. Your inputs and decisions
You are responsible for the accuracy and completeness of the information you enter and for verifying your plan's actual terms (including eligibility, deferral limits, election deadlines, payout options, crediting, vesting and payment timing) against your plan document and enrollment materials. Your plan document governs. You are solely responsible for any election or other decision you make. Before making an election, consult a qualified tax or financial professional who can review your full circumstances.
4. Accounts and sign-in
You sign in with a one-time link sent to your email address. Keep access to your email account secure: anyone who can open the link can sign in as you. Don't share sign-in links. You are responsible for activity under your account. Tell us promptly at privacy@nqdccalculator.com if you believe your account has been accessed without permission. You must give us an email address you control, and you may have only one account unless we agree otherwise.
5. Subscriptions, automatic renewal and cancellation
A free account gives access to the features we describe as free. The Pro plan is a paid subscription. By purchasing Pro, you agree to the following:
- Price and term. Pro costs $24.99 per year, plus any applicable taxes, billed in advance for a one-year term.
- Automatic renewal. Your subscription renews automatically at the end of each yearly term for another year, and you authorize us, through our payment processor, to charge your payment method the then-current annual price plus applicable taxes on each renewal date, until you cancel.
- Renewal reminder. We will send a reminder to your account email before each annual renewal, stating the renewal date, the amount and how to cancel.
- Cancel anytime. You can cancel at any time from your account page, which opens our payment processor's secure billing portal, or by contacting us at privacy@nqdccalculator.com. Cancellation stops future renewals and takes effect at the end of your current paid term. You keep Pro access until then.
- Failed payments. If a renewal payment fails, we may retry it and may suspend Pro features until payment succeeds or your subscription ends.
- Payment processing. Payments are processed by Stripe. We don't receive or store your full card number. Your use of Stripe is also subject to Stripe's terms.
6. No refunds
Because Pro gives immediate access to the full Service, all payments are final and non-refundable, and we don't provide refunds or credits for partial terms, unused time or features you didn't use, including after cancellation, except where a refund is required by applicable law. Nothing in these Terms limits any right you have under law that cannot be waived by contract.
7. Price changes
We may change the price of Pro. A price change won't affect your current paid term. We will notify you by email at least 30 days before a new price applies to your renewal, and you can cancel before the renewal if you don't want to continue at the new price.
8. Acceptable use
You agree not to:
- use the Service unlawfully or to infringe anyone's rights;
- share, resell or sublicense your account or Pro access, or let others use your account;
- circumvent, disable or interfere with access controls, payment features, rate limits or security measures;
- scrape, copy or extract the Service's content or tax datasets in bulk, or use automated means to access the Service except as we permit;
- reverse engineer the Service except to the extent the law expressly allows; or
- upload malicious code or attempt to disrupt the Service or its infrastructure.
9. Intellectual property
The Service, including its software, design, text, calculations and datasets, is owned by us or our licensors and protected by intellectual property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own personal, non-commercial purposes. You keep ownership of the information you enter and of reports you export, and you may use them for your own purposes.
10. Privacy
Our Privacy Policy explains what information we collect and how we use it.
11. Disclaimer of warranties
The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement and accuracy. We do not warrant that the Service, its calculations or its tax data are accurate, complete or current, that results will meet your needs, or that the Service will be uninterrupted, secure or error-free.
Some jurisdictions don't allow certain warranty exclusions, so some of the above may not apply to you.
12. Limitation of liability
To the fullest extent permitted by law, we and our affiliates, officers, employees and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, savings, income, data or goodwill, or any tax, penalty or interest, arising from or related to the Service or any decision you make using it, even if advised of the possibility of such damages. Our total liability for all claims arising from or related to the Service or these Terms will not exceed the amount you paid us for the Service in the twelve (12) months before the event giving rise to the claim.
Some jurisdictions don't allow certain limitations of liability, so some of the above may not apply to you.
13. Indemnity
You agree to indemnify and hold us harmless from claims, losses and expenses, including reasonable attorneys' fees, arising from your misuse of the Service or your violation of these Terms or of anyone's rights.
14. Termination
You may stop using the Service and close your account at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or if we discontinue the Service. If we discontinue the Service or terminate your account without cause, we will refund the unused portion of any prepaid Pro term. Sections that by their nature should survive termination, including sections 2, 3, 6, 9, 11, 12, 13 and 15, will survive.
15. Governing law and disputes
These Terms are governed by the laws of the State of Illinois and applicable federal law, without regard to conflict of laws rules. Any dispute will be resolved in the state or federal courts located in Illinois, and you and we consent to their jurisdiction, except where applicable law gives you the right to bring a claim elsewhere.
16. Changes to these Terms
We may update these Terms. If a change is material, we will notify you by email or in the Service before it takes effect. Continuing to use the Service after the effective date means you accept the updated Terms. Changes won't apply retroactively to a paid term you have already purchased in a way that reduces your rights for that term.