Terms of Service
These Terms of Service ("Terms") govern your use of quarterly1099.com (the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1. Description of the Service
Quarterly1099 is a free online calculator and informational website that provides estimates of US federal, state, and self-employment tax obligations for self-employed individuals. The Service includes interactive calculators, state-by-state tax guides, and educational articles about tax topics. There are no user accounts, login requirements, or paid features.
2. Estimates Are Not Tax, Legal, or Financial Advice
The information and calculations on this Service are for educational purposes only. They do not constitute tax advice, legal advice, financial advice, or professional services. The calculator provides simplified estimates based on publicly available information about tax brackets, rates, and rules.
Tax law is complex and changes frequently. Calculations provided by the Service:
- Use simplified models that may not reflect every nuance of your individual tax situation
- Do not account for specialized deductions, credits, or circumstances that may apply to you
- May not reflect the most recent law changes
- Are not reviewed by a tax professional
For decisions affecting your taxes or finances, you must consult a licensed Certified Public Accountant (CPA), Enrolled Agent (EA), tax attorney, or other qualified professional. The IRS and your state department of revenue are the authoritative sources for tax obligations.
3. No Warranty
The Service is provided "AS IS" and "AS AVAILABLE" without warranty of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that:
- The Service will be uninterrupted, error-free, or always available
- Calculations will be accurate for your specific tax situation
- Information will be current as of any specific date
- The Service will meet your expectations
4. Limitation of Liability
To the fullest extent permitted by law, Quarterly1099, its operators, contributors, and affiliates shall NOT be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service, including but not limited to:
- IRS or state tax penalties, interest, or assessments
- Underpayment or overpayment of taxes
- Loss of business income or profits
- Decisions made in reliance on calculator results or article content
- Loss of data, time, or opportunity
Your sole remedy for dissatisfaction with the Service is to discontinue use of the Service. Our maximum aggregate liability to you under any theory of law is limited to $0 (zero dollars), reflecting the fact that the Service is provided free of charge.
5. Acceptable Use
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
- Use automated systems (bots, scrapers, crawlers) to access the Service in a manner that exceeds reasonable use
- Attempt to interfere with, compromise the security of, or reverse engineer the Service
- Use the Service to transmit spam, malware, or unlawful content
- Republish or redistribute Service content commercially without permission (educational personal use is permitted)
- Misrepresent the Service's functionality or your relationship with it
6. Affiliate Disclosure
The Service contains affiliate links. When you click a link to a partner product (Keeper Tax, Found, FreshBooks, QuickBooks Self-Employed, Intuit, etc.) and complete an action on the partner site (signup, purchase), we may receive a commission at no additional cost to you.
Affiliate relationships do not influence the editorial content of articles or the calculations performed by the Service. We only feature products we believe are genuinely useful for self-employed Americans. The presence of an affiliate link does not constitute an endorsement of the partner's terms, privacy practices, or product quality — review those independently before signing up.
7. Third-Party Links and Services
The Service contains links to third-party websites including affiliate partners, the IRS, state tax agencies, and informational resources. We do not control these third-party sites and are not responsible for their content, privacy practices, or terms. Your interactions with any third-party site or service are governed by that party's terms.
8. Intellectual Property
All content on the Service — including calculator code, articles, state guides, design, and trademarks — is the property of Quarterly1099 or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may:
- Use the Service for personal, non-commercial purposes
- Reference our content with proper attribution and a link to the source
- Print or save articles for personal reference
You may NOT:
- Republish substantial portions of our content without express written permission
- Use our content in commercial products or services
- Remove copyright, trademark, or attribution notices
- Train AI models on our content without permission
9. Tax Calculation Methodology
The Service's calculations are based on publicly available tax information including:
- IRS Revenue Procedures and forms (e.g., Rev. Proc. 2024-40, Form 1040-ES)
- State revenue agency published rates and brackets
- Social Security Administration data (wage base)
Our methodology is described on the About page. Calculations are simplified and may not reflect the full complexity of every tax situation. We update calculations periodically but cannot guarantee real-time accuracy as tax law evolves.
10. Indemnification
You agree to indemnify, defend, and hold harmless Quarterly1099 and its operators from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising out of:
- Your use of the Service
- Your violation of these Terms
- Tax positions you take based on Service content
- Your violation of any third party's rights
11. Privacy
Your use of the Service is also governed by our Privacy Policy, which describes what (limited) data is collected by us and our third-party services (Google AdSense, Google Analytics, Microsoft Clarity, affiliate networks).
12. Changes to These Terms
We may revise these Terms at any time by updating this page. The "Last updated" date reflects the most recent revision. Continued use of the Service after changes constitutes acceptance of the updated Terms. We encourage you to review the Terms periodically.
13. Termination
You may stop using the Service at any time. We may modify, suspend, or discontinue the Service (or any portion) at any time without notice. Sections of these Terms that by their nature should survive termination (Limitation of Liability, Indemnification, Intellectual Property, etc.) will survive.
14. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of laws principles. Any dispute arising from these Terms or the Service shall be resolved in the state or federal courts located in Delaware. You waive any objection to venue or jurisdiction in those courts.
15. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
16. Entire Agreement
These Terms, together with the Privacy Policy, constitute the entire agreement between you and Quarterly1099 regarding the Service and supersede any prior agreements.
17. Contact
For questions about these Terms, see the About page. We do not operate a support inbox. For tax matters, consult a licensed CPA, Enrolled Agent, or your state's department of revenue.