Terms of Service

Last Updated: August 3, 2026

1. Acceptance of Terms

By accessing or using 1099vsw2pay.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please discontinue use of the Site.

2. Estimates Only — Not Tax, Legal, or Financial Advice

All calculations, comparisons, and figures produced by the calculator on this Site are estimates provided for informational purposes only. They are not tax advice, legal advice, or financial planning advice, and they do not constitute a recommendation to accept or reject any employment arrangement.

The calculator uses current IRS tax brackets, self-employment tax rates, standard deductions, and other parameters that are subject to change. Actual tax liability depends on individual circumstances that a calculator cannot fully account for, including but not limited to: additional income sources, investment gains and losses, itemized deductions, dependent credits, state-specific adjustments, alternative minimum tax, and net investment income tax.

Always consult a licensed CPA or tax professional before making employment, tax, or financial decisions. Toota Industries, the operator of this Site, is not liable for financial decisions made based on calculator output.

3. Accuracy of Calculations

We make every effort to keep the calculator current with the latest IRS parameters, including federal tax brackets updated under the One Big Beautiful Bill Act (OBBBA), the Social Security wage base, standard mileage rates, and retirement contribution limits. However, we make no warranty that calculations are error-free. Tax parameters are reviewed when the IRS, SSA, and state tax departments publish new figures. If you find an error, please contact us and we will verify against the primary source and correct it.

4. Intellectual Property

All content on this Site, including the calculator interface, blog articles, page text, and design, is the property of Toota Industries unless otherwise stated. You may not copy, redistribute, or republish site content without permission. The underlying tax formulas and logic used in the calculator are based on publicly available IRS and SSA publications.

5. Advertising

This Site displays advertisements served by Google AdSense and other advertising partners. Advertisers have no influence on our calculator logic, blog content, or editorial decisions. Ads are clearly distinguishable from content. We are not responsible for the content of third-party advertisements or the products and services they promote.

6. Limitation of Liability

Toota Industries and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this Site or reliance on any calculations or content provided herein. Your use of the Site is at your own risk.

7. External Links

This Site contains links to external websites, including irs.gov, ssa.gov, and state tax authority sites. We are not responsible for the content, accuracy, or privacy practices of these external sites.

8. Changes to These Terms

We may update these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Continued use of the Site after changes constitutes acceptance of the revised terms.

9. Contact

If you have questions about these Terms, please contact us.