Terms & Conditions

Last updated: 2026

By using PayUtility (payutility.site), you agree to these terms. If you do not agree, please do not use the site.

1. What we provide

PayUtility offers free, browser-based tax and finance calculators for freelancers and independent contractors. Tools are provided for informational and educational purposes only.

2. Not professional advice

Results are estimates based on published rates and simplified formulas. They are not tax, legal, accounting, or financial advice. Always verify figures with official IRS publications or a qualified tax professional before filing or making financial decisions.

3. Your responsibility

You are responsible for any decisions you make based on calculator output. PayUtility is not liable for underpayment, overpayment, penalties, or losses arising from use of the tools.

4. Optional support payments

The site may prompt for an optional one-time support payment via Razorpay. Payments are voluntary and do not purchase tax, legal, or professional services. Payment processing is handled by Razorpay; we do not store card details.

5. Acceptable use

Do not misuse the site, attempt to disrupt service, scrape at scale, or use the tools for unlawful purposes. We may restrict access if needed to protect the service.

6. Intellectual property

Site design, branding, and original content belong to PayUtility. Calculator formulas implement publicly known tax rules and may be used freely for personal estimates.

7. Changes

We may update these terms or the tools at any time. Continued use after changes means you accept the updated terms.

8. Contact

Questions about these terms: hello@payutility.site. See also our privacy policy.