Before using this site you must read and agree to our Terms of Use (version 2026-11-04). Key points:

• Not advice. Nothing here is legal, tax, actuarial, or investment advice, and no professional relationship is created.
• Verify everything. Calculations, forms, law summaries, and AI answers may be wrong or out of date. You are solely responsible for checking them before relying on them.
• Use at your own risk. The site is provided "as is", with no warranties.
• Limited liability. We are not liable for indirect damages, penalties, or lost profits, and our total liability is capped at the greater of what you paid us in the last 12 months or $100.
• Indemnity. You cover claims arising from your use of the site or from sharing its output with others.
• Your data. In our 1099-R and Form 5500 services, sensitive data such as tax IDs, census, and trust records stays encrypted in your own browser while you work, not on our servers. Government filings are transmitted directly to the IRS or Department of Labor; we keep the filing status and acknowledgment, not the forms. Features that save to your account, such as employee records and payroll, store data on our servers with security safeguards. No system is perfectly secure, so enter only what a feature needs and keep your own copies.
• Washington law governs. See the full terms for everything else.