Home›Terms of Service

Terms of Service

Last Updated: May 22, 2026

1. Acceptance of Terms

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

2. Description of Service

Tsicoa provides free online financial calculators and tools for informational and estimation purposes. Our tools include, but are not limited to:

All tools are provided "as is" and are intended for general informational purposes only.

3. No Professional Advice

Important Disclaimer: The calculators and tools provided on this Site are for estimation and informational purposes only. They do not constitute financial advice, tax advice, legal advice, or professional consulting of any kind. Results generated by our tools should not be used as the sole basis for financial, tax, or legal decisions. You should consult with a qualified professional (such as a certified public accountant, tax attorney, financial advisor, or employment attorney) before making decisions based on the output of our tools.

4. Accuracy of Information

While we strive to provide accurate and up-to-date calculators, we make no warranties or representations about the accuracy, completeness, reliability, or timeliness of the calculations or content on this Site. Tax brackets, laws, formulas, and rates may change, and our tools may not reflect the most current information. You are responsible for verifying any information before relying on it.

5. Intellectual Property

All content, design, graphics, logos, and code on the Site are the property of Tsicoa and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from this Site without our prior written consent.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes only.

6. User Conduct

You agree not to:

7. Limitation of Liability

To the fullest extent permitted by applicable law, Tsicoa and its owners, affiliates, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of, or inability to use, the Site or its tools, including but not limited to:

8. Third-Party Links

Our Site may contain links to third-party websites or services that are not owned or controlled by Tsicoa. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that Tsicoa shall not be responsible for any damage or loss caused by use of any third-party content or websites.

9. Privacy

Your use of the Site is also governed by our Privacy Policy. Please review our Privacy Policy to understand our data practices.

10. Modifications to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes acceptance of the new Terms. We will update the "Last Updated" date at the top of this page when changes are made.

11. Termination

We reserve the right to terminate or suspend access to our Site, without prior notice or liability, for any reason whatsoever, including breach of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts located in the United States.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

14. Contact

If you have any questions about these Terms of Service, please contact us at:

These Terms of Service were last updated on May 22, 2026.