Terms of Service

Agreement to Terms

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

Description of Service

CostCrunch provides free online financial calculators designed to help small business owners estimate costs, analyze business scenarios, and make informed decisions. These tools include break-even calculators, employee cost estimators, payroll tax calculators, startup cost estimators, and other financial tools.

The Site is provided free of charge. We reserve the right to modify, suspend, or discontinue any aspect of the service at any time without notice.

Informational Purposes Only

Calculator results are estimates based on publicly available government data and general business assumptions. Actual costs will vary based on your specific circumstances, business structure, location, employee classifications, industry, benefits offered, and many other factors.

Always consult a qualified accountant, tax professional, attorney, or HR specialist before making financial, hiring, or business decisions. CostCrunch is not a substitute for professional advice.

Accuracy of Information

We strive to keep tax rates, wage bases, and other data current and accurate. Data is sourced from official government publications (IRS, SSA, state workforce agencies) and is typically updated annually. However:

• Rates may change during the year
• New employer rates (SUTA) differ from the mid-range rates we display
• State laws and rates vary and are subject to change
• Some figures are estimates or midpoints, not guaranteed rates

We make no warranty, express or implied, about the accuracy, completeness, or fitness for any purpose of the information provided. Use the data as a starting point for your own research, not as a definitive answer.

Limitation of Liability

To the maximum extent permitted by applicable law, CostCrunch and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Business decisions made based on calculator outputs
• Errors or inaccuracies in tax rates or wage bases
• Data loss or business interruption
• Any other damages arising from your use of the Site

Our total liability for any claim related to the Site shall not exceed $0, as the Site is provided entirely free of charge.

Acceptable Use

You agree not to:

• Scrape, crawl, or systematically download content from the Site for commercial purposes without permission
• Use the Site in any way that violates applicable laws or regulations
• Attempt to interfere with the Site's operation or security
• Use automated tools to send requests at a rate that burdens our servers
• Misrepresent CostCrunch's data as your own proprietary content

Personal use, sharing links, embedding our widgets per our embed guidelines, and citing our data with attribution are all welcome.

Intellectual Property

The CostCrunch name, logo, and site design are our property. The underlying tax rate data is sourced from public government sources and is not proprietary. Calculator methodologies, original content, and site code are protected by copyright.

You may quote or cite our data with attribution (e.g., "Source: CostCrunch, costcrunch.app"). You may not reproduce substantial portions of the site without permission.

Third-Party Links and Affiliates

The Site may contain links to third-party websites and affiliate recommendations. We are not responsible for the content, accuracy, or privacy practices of those sites. Affiliate links may earn us a commission when you make a purchase — this does not affect our editorial content or calculator data.

Changes to Terms

We may update these Terms of Service at any time. The "Last updated" date above reflects the most recent revision. Continued use of the Site after changes constitutes your acceptance of the updated terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions. Any disputes shall be resolved in the applicable courts.

Contact

Questions about these Terms? Contact us.