Terms of Service

Last updated: June 2026

1. Acceptance of Terms

By accessing and using TrueTakeHomePay (https://truetakehomepay.com), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website. These terms apply to all users, including browsers, visitors, and contributors.

2. Description of Service

TrueTakeHomePay is an independent information platform providing free online calculators and informational content related to paycheck calculations, federal and state income tax estimates, FICA (Social Security and Medicare) deductions, retirement planning, and other personal finance topics for the United States. All tools are provided "as is" for informational and educational purposes only.

3. Not Professional Advice

The calculations, results, and content provided by TrueTakeHomePay do not constitute tax advice, financial advice, legal advice, or any other professional advice. Our calculators provide estimates based on general tax rules published by the IRS and state tax authorities, and may not account for your specific situation, including deductions, credits, filing status adjustments, and other individual circumstances. Always consult a qualified CPA, tax professional, financial advisor, or attorney for advice specific to your circumstances.

4. Privacy and Data Protection

All calculations are performed entirely in your browser using client-side JavaScript. No salary, tax, or financial data is transmitted to our servers. We use Plausible Analytics, a privacy-friendly service that uses no cookies, stores no personal data, and is fully compliant with GDPR and CCPA. URL parameters exist only in your browser and are not stored server-side. See our full Privacy Policy for details.

5. Cookies and Local Storage

This website uses no tracking cookies. No advertising, profiling, or third-party cookies are placed. User preferences (such as dark/light mode) are stored in the browser's localStorage, which is not a cookie and is never transmitted to our servers. Since no tracking cookies are used, a cookie consent banner is not legally required.

6. Accuracy

While we strive for accuracy and regularly update our tax data and formulas based on IRS publications and state tax authority data, we cannot guarantee that calculations will be error-free or reflect the most current tax laws. Tax laws change frequently at both federal and state levels, and individual circumstances vary. You are responsible for verifying any calculations before making financial decisions. We recommend using the official IRS withholding calculator for verification.

7. Use of Service

You agree to:

  • Use the service only for lawful purposes
  • Not attempt to reverse-engineer, scrape, or systematically access the service without permission
  • Not misrepresent calculator results as professional advice
  • Not use the service in any way that could damage or impair it
  • Not use automated systems to extract data from the website without express permission

8. Intellectual Property

All content, design, code, calculation algorithms, and calculators on TrueTakeHomePay are the property of Mottalib Radif and are protected by copyright and other intellectual property laws. You may use the calculators for personal, non-commercial use but may not reproduce, distribute, or create derivative works without prior written permission. Brief quotations for informational purposes are permitted provided the source is credited.

9. GDPR Rights (EU Users)

Under the GDPR, EU users have the right to access, rectify, erase, restrict processing, data portability, object to processing, and withdraw consent at any time. Since no personal data is collected through our calculators, these rights are satisfied by default. You have the right to lodge a complaint with your national data protection authority. For enquiries, contact us at contact@truetakehomepay.com.

10. CCPA Rights (California Residents)

Under the CCPA, California residents have the right to know what personal information is collected, request deletion, opt out of the sale of personal information, and not be discriminated against. Since we do not collect personal information through our calculators and do not sell personal data, these rights are exercised by default.

11. Limitation of Liability

TrueTakeHomePay shall not be liable for any damages arising from the use or inability to use our service, including but not limited to direct, indirect, incidental, punitive, or consequential damages. This includes any losses resulting from reliance on calculator results. The website is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

The publisher is not responsible for data loss, service interruptions, or damages to user equipment resulting from the use of the website.

12. External Links

This website may contain links to external websites, including IRS.gov, state tax authority websites, and other reference sources. The publisher has no control over the content of these sites and disclaims all responsibility for their content, privacy practices, or availability.

13. Governing Law

These terms are governed by and construed in accordance with the laws of the United States. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the courts of the United States. The potential invalidity of any clause shall not affect the remaining provisions.

14. Changes and Contact

We reserve the right to modify these terms at any time. Continued use of the service after changes constitutes acceptance of the revised terms. For questions, contact us at:
Email: contact@truetakehomepay.com